Calculate your net take-home pay in Saudi Arabia: gross to net conversion, GOSI deductions (9.75%), housing & transport allowances
Updated June 2026 • GOSI Rate: 9.75% • Cap: SAR 45,000
Your net salary in Saudi Arabia = Gross salary − GOSI. For Saudi nationals, GOSI is 9.75% of (basic + housing allowance), capped at SAR 45,000. Example: basic SAR 10,000 + housing SAR 3,000 = SAR 13,000 base, GOSI = SAR 1,267.50. Expat employees pay 0% GOSI.
Calculate Your Net Salary
Expat employees pay 0% GOSI. Only the employer pays 2% occupational-hazard insurance.
Your total contractual salary before any deductions
Part of the GOSI base for Saudi nationals. Typically 40–60% of gross.
Included in the GOSI base for Saudi nationals (basic + housing, capped at SAR 45,000).
Not subject to GOSI.
Gross SalarySAR 15,000
GOSI Deduction (9.75%)SAR 1,267.50
Total AllowancesSAR 5,000
Net Take-Home PaySAR 13,732.50
📖 How to Use This Saudi Salary Calculator
Our free Saudi salary calculator helps employees in Riyadh, Jeddah, Dammam, and across KSA understand their exact take-home pay for 2026. Whether you're negotiating a job offer, applying for a loan, or preparing a budget, this tool breaks down your salary components accurately using official GOSI rates.
Enter Your Gross Salary This is your total monthly compensation as stated in your contract. Include all components before deductions.
Select Employee Type Choose Saudi national or expat. For Saudi nationals, GOSI is charged on basic + housing; expat employees pay 0% GOSI.
Specify Basic Salary For Saudi nationals, basic salary is part of the GOSI base. In Saudi contracts, basic salary is usually 40–60% of gross. Check your iqama or contract for this figure.
Add Allowances Housing allowance is included in the GOSI base for Saudi nationals; transport is excluded. Enter these separately for accurate calculation.
Calculate Net Pay For Saudi nationals the calculator applies 9.75% GOSI on (basic + housing), capped at SAR 45,000, and shows your final take-home amount.
Use for Official Purposes Save or screenshot your results for salary certificates, visa applications, or rental agreements.
📊 Worked Examples: Saudi Salary Calculations
Example 1: Saudi Engineer in Riyadh
Scenario: Ali (Saudi national) earns SAR 20,000 gross per month with SAR 12,000 basic salary, SAR 5,000 housing, and SAR 3,000 transport.
Component
Amount (SAR)
Gross Salary
20,000
GOSI base (Basic 12,000 + Housing 5,000)
17,000
GOSI (9.75% of 17,000)
1,657.50
Transport (excluded from GOSI)
3,000
Net Take-Home Pay
18,342.50
Example 2: Expat Nurse in Jeddah
Scenario: Fatima (non-Saudi/expat) has SAR 8,000 gross salary with SAR 5,000 basic, SAR 2,000 housing, SAR 1,000 transport. Expat employees pay 0% GOSI.
Component
Amount (SAR)
Gross Salary
8,000
Basic Salary
5,000
GOSI (expat employee = 0%)
0.00
Housing + Transport
3,000
Net Take-Home Pay
8,000.00
Reviewed by the Saudi Utility Hub Editorial Team
Researched and fact-checked against official Saudi government sources (GOSI, HRSD, Qiwa).
Last reviewed: June 2, 2026 | Next review: July 1, 2026
Verified against official GOSI rates and Qiwa portal guidelines. Learn more about our review process.
Disclaimer: Calculator results are estimates only. Verify your final salary breakdown with your employer's payroll department.
❓ Frequently Asked Questions
How is net salary calculated in Saudi Arabia?
Net salary = Gross salary − GOSI. For Saudi nationals, GOSI is 9.75% of (basic salary + housing allowance), capped at SAR 45,000. Transport and other allowances are excluded from the GOSI base. Expat employees pay 0% GOSI.
What is the GOSI deduction rate in 2026?
For Saudi employees the contribution rate is 9.75% of (basic + housing), capped at SAR 45,000 per month (max deduction SAR 4,387.50). Non-Saudi/expat employees pay 0%.
Is housing allowance included in GOSI calculation?
Yes. For Saudi nationals the GOSI contribution base is basic salary + housing allowance (capped at SAR 45,000). Transport and other allowances are excluded.
What is a salary certificate in Saudi Arabia?
A salary certificate is an official document from your employer showing gross salary, basic salary, allowances, and net pay. Required for visas, loans, and rentals.
How to get a salary certificate in KSA?
Request it from your HR department. It must be stamped and signed. Many companies provide it through Qiwa or Muqeem portals.
Does GOSI apply to expatriate employees?
No. Non-Saudi (expat) employees do not pay any GOSI from their salary (0%). Their employer pays only 2% for occupational-hazard insurance. The 9.75% employee contribution applies to Saudi nationals only.
What if my basic salary exceeds SAR 45,000?
GOSI is capped at SAR 45,000. Even if your basic salary is SAR 50,000, GOSI is calculated on SAR 45,000 only (max SAR 4,387.50).
Are there other deductions besides GOSI?
Some employers may deduct for health insurance, pension plans, or income tax (for certain nationalities), but GOSI is the only mandatory deduction for most employees.
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⚠️ Disclaimer: All results are estimates based on publicly available Saudi government regulations and rates. Always verify important financial or legal decisions with your employer, bank, or the relevant Saudi authority (Ministry of Human Resources, GOSI, ZATCA, Jawazat, or SAMA).
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