Gross to Net Salary in Saudi Arabia 2026 — Take-Home Pay Table
Saudi Arabia has no personal income tax. See exactly what lands in your bank account for any gross salary from SAR 3,000 to SAR 50,000 after GOSI deductions.
Updated September 2026No income tax in KSAGOSI 2026 rates
The short answer
Saudi Arabia levies no personal income tax on employment income. The only standard payroll deduction is GOSI (social insurance):
Non-Saudi employees: 0% employee deduction — your net pay equals your gross pay (basic + fixed allowances). The employer pays a 2% occupational-hazard contribution on top, not out of your salary.
Saudi employees: 10% employee contribution (9.75% annuities + 0.75% SANED unemployment insurance), calculated on basic salary + housing allowance, capped at a contribution ceiling of SAR 45,000/month.
For the exact figure with your own allowances, use the free Saudi Salary Calculator — it breaks down basic, housing, transport, GOSI and net pay line by line.
Gross to net table 2026 (monthly, SAR)
Figures assume salary is fully GOSI-contributable (basic + housing), no other deductions.
Gross salary
Net pay — Non-Saudi (0%)
GOSI deduction — Saudi (10%)
Net pay — Saudi
3,000
3,000
300
2,700
4,000
4,000
400
3,600
5,000
5,000
500
4,500
6,000
6,000
600
5,400
8,000
8,000
800
7,200
10,000
10,000
1,000
9,000
12,000
12,000
1,200
10,800
15,000
15,000
1,500
13,500
20,000
20,000
2,000
18,000
25,000
25,000
2,500
22,500
33,000
33,000
3,300
29,700
40,000
40,000
4,000
36,000
50,000
50,000
4,500 (capped at 45,000 wage base)
45,500
Saudi GOSI applies to basic + housing only. If your housing allowance is the typical 25% of basic, your effective deduction on total gross is about 8%, not 10%. The calculator handles this automatically.
Worked examples
Example 1 — Expat, SAR 8,500 gross
Basic 6,000 + housing 1,500 + transport 1,000. Non-Saudi: no employee GOSI. Net pay = SAR 8,500.
Example 2 — Saudi, SAR 12,000 gross
Basic 9,000 + housing 2,250 + transport 750. GOSI wage base = 11,250 → employee GOSI 10% = 1,125. Net pay = 12,000 − 1,125 = SAR 10,875.
Example 3 — Saudi, SAR 38,000 gross
Basic 30,000 + housing 7,500 + transport 500. Wage base 37,500 → GOSI 3,750. Net pay = SAR 34,250.
Is there income tax on salaries in Saudi Arabia in 2026?
No. Saudi Arabia does not levy personal income tax on employment income for Saudis or expats. The only standard payroll deduction is GOSI social insurance.
How much is deducted from salary for GOSI?
Saudi employees pay 10% of the GOSI wage base (basic + housing, capped at SAR 45,000/month). Non-Saudi employees pay nothing — only the employer contributes 2% for occupational hazard.
What is the net salary for 10,000 SAR gross in Saudi Arabia?
A non-Saudi takes home the full SAR 10,000. A Saudi employee on a typical basic+housing split pays about SAR 1,000 GOSI and takes home roughly SAR 9,000–11,000 depending on the allowance split.
Is the housing allowance included in the GOSI calculation?
Yes, for Saudi employees the contribution base is basic salary plus housing allowance (plus commissions and certain bonuses), capped at SAR 45,000 per month. Transport and other allowances are excluded.
Do expats pay any social insurance in Saudi Arabia?
Non-Saudi employees make no employee contribution. The employer pays 2% occupational-hazard insurance on their behalf, which does not reduce the expat's net pay.
Where can I calculate gross to net with my own allowances?
Use the free Saudi Salary Calculator — enter basic, housing and transport and it shows GOSI and net pay instantly, for both Saudi and non-Saudi employees.
Sources: GOSI, Saudi Ministry of Human Resources and Social Development. Rates verified September 2026. For information only — confirm your own payslip with your employer.
What Is Actually Deducted from a Saudi Salary?
Saudi Arabia has no personal income tax, which surprises many newcomers. The main statutory deduction is GOSI social insurance: 9.75% of your GOSI-registered wage (basic salary plus housing allowance, capped at SAR 45,000) for Saudi employees, and 2% occupational-hazard-only for most expatriates, paid by the employer. Beyond GOSI, deductions are voluntary or contractual: company loan repayments, salary advances, housing deductions if you live in employer accommodation, or penalty deductions permitted under Article 92 of the Labor Law.
Understanding the Salary Structure
Most Saudi employment contracts split the package into basic salary plus allowances — typically housing (around 25% of basic) and transport (around 10%), with possible extras like phone or food allowances. The split matters because several legal entitlements — end-of-service award, overtime rate, and GOSI contributions — are calculated on the basic salary or the GOSI wage, not the total package. A lower basic with bigger allowances means a smaller EOS payout at the end of your service.
Negotiating Gross vs Net Offers
When comparing job offers, convert everything to monthly cash plus the monetary value of benefits. Ask specifically:
Is housing provided, paid as an allowance, or included in a consolidated salary?
Are annual flight tickets included, and for family members too?
Is there a fixed bonus (e.g., one month's salary per year) written into the contract?
What is the basic-versus-allowance split, since it drives your EOS award?
An offer of SAR 15,000 consolidated can be worth less than SAR 12,000 basic plus 25% housing, 10% transport and a guaranteed annual bonus — run both through the calculator above before signing.