Estimate your monthly take-home pay in Saudi Arabia: gross-to-net breakdown, employee GOSI deductions, housing & transport allowances
Existing subscribers: 9.75% GOSI · New entrants (Aug 2026–Jul 2027): 10.75% GOSI · Contributory cap: SAR 45,000
Estimated net salary = Gross salary − Employee GOSI deduction − any other deductions you enter. For Saudi nationals, GOSI is calculated on (basic salary + housing allowance), capped at SAR 45,000: 9.75% for existing subscribers [1][2], or 10.75% from August 2026 through July 2027 for new entrants (third phase-in step under Royal Decree M/273) [3]. Non-Saudi employees are covered only by the employer-paid Occupational Hazards branch, so their own GOSI deduction is 0% [1]. This calculator does not include any income-tax deduction because Saudi Arabia does not tax employment salaries.
⚠️ This is an estimator, not an exact or official payroll calculation. It is not affiliated with GOSI, HRSD, or Qiwa, and its result is not a salary certificate. Actual pay can differ because of loan repayments, salary advances, voluntary insurance, disciplinary deductions, unpaid leave, or other employer-specific items this tool does not model.
Estimate Your Net Salary
Non-Saudi employees are covered only by the employer-paid Occupational Hazards branch — the employer, not the employee, pays that contribution. [1]
Determines your estimated GOSI rate: 9.75% for existing subscribers [1][2], or 10.75% for new entrants from August 2026 through July 2027 (third phase-in step under Royal Decree M/273) [3]. Confirm your own track using GOSI's Quick Verification service [4] or the Qiwa portal.
Leave blank or 0 to auto-calculate gross from the components below. If you enter a gross figure and your components don't add up to it, the difference is shown separately as unspecified pay — it is never silently dropped.
Part of the GOSI contributory wage for Saudi nationals.
Included in the GOSI contributory wage for Saudi nationals (basic + housing, capped at SAR 45,000). [1]
Not part of the GOSI contributory wage.
Enter any known additional deductions not covered above — for example loan repayments, salary advances, or voluntary insurance premiums.
Gross Salary UsedSAR 15,000.00
Unspecified Pay (Gross − Components, if any)SAR 0.00
GOSI Contributory BaseSAR 13,000.00
Employee GOSI Rate9.75%
Employee GOSI DeductionSAR 1,267.50
Other Deductions EnteredSAR 0.00
Estimated Take-Home PaySAR 13,732.50
✅ Verify this result: Confirm your GOSI registration status and contribution details through GOSI's Quick Verification service, and get your actual pay breakdown from your employer's payroll/HR department or the Qiwa portal.
📖 How to Use This Salary Estimator
This free tool helps employees in Saudi Arabia estimate their monthly take-home pay after the employee GOSI deduction. It is a general planning tool, not a payroll system, and it does not calculate any income tax because none applies to Saudi salaries.
Select Employee Type Choose Saudi national or non-Saudi/expat. Non-Saudi employees pay 0% employee GOSI, since they are covered only by the employer-paid Occupational Hazards branch.
Enter Salary Components Input basic salary, housing allowance, and transport allowance. These are the components this tool understands and reconciles against your gross salary.
Enter or Auto-Calculate Gross Salary Enter your contractual gross salary, or leave it blank/0 to have it computed automatically as the sum of your components.
Select GOSI Registration Status For Saudi nationals, choose existing subscriber or new entrant — this determines the estimated GOSI rate applied.
Add Other Deductions (Optional) Enter any additional known deductions, such as loan repayments or voluntary insurance.
Calculate See a full breakdown and an estimated take-home pay figure, with any gross/component mismatch shown explicitly rather than hidden.
What this tool includes: the employee GOSI deduction (Annuities/pension + Saned, where applicable) on the verified contributory wage, and any "other deductions" figure you enter yourself.
What this tool excludes: income tax (none applies to Saudi salaries), employer-side GOSI and Occupational Hazards contributions (see the dedicated GOSI Calculator for the full employer + employee contribution picture), end-of-service gratuity (see the EOS Calculator), and any employer-specific deductions you haven't entered manually.
🆕 GOSI Rate Depends on Your Registration Track
Saudi Arabia's newer social insurance framework distinguishes between Saudi nationals who were already GOSI subscribers before the new system took effect (existing subscribers) and those whose first-ever registration came after (new entrants). GOSI's own published FAQ directly confirms the existing-subscriber math: 9% for the Annuities (pension) branch plus 0.75% for Saned (unemployment insurance) equals 9.75% [1][2]. The new-entrant rate is set out directly in Royal Decree M/273, which established the New Social Insurance System: the Annuities contribution phases in over four annual steps from 9% to 11% per side, reaching 10% per side — 10.75% combined with Saned — in its third step, which runs from August 2026 through July 2027 [3]. See the full breakdown, including employer-side contributions, on our GOSI Calculator.
📊 Worked Examples: Saudi Salary Estimates
Example 1: Saudi Existing Subscriber in Riyadh
Scenario: Ali (Saudi national, existing GOSI subscriber) has SAR 12,000 basic salary, SAR 5,000 housing, and SAR 3,000 transport, with gross salary auto-calculated from these components.
Scenario: Noura (Saudi national, new GOSI entrant) has the same components as Ali — SAR 12,000 basic, SAR 5,000 housing, SAR 3,000 transport.
Component
Amount (SAR)
Gross Salary (auto-calculated)
20,000
GOSI base (Basic 12,000 + Housing 5,000)
17,000
Employee GOSI (10.75% of 17,000)
1,827.50
Estimated Take-Home Pay
18,172.50
Noura's estimate is SAR 170 lower per month than Ali's, purely because of her new-entrant GOSI track, currently in its third annual step under Royal Decree M/273 (see Official Sources below).
Example 3: Non-Saudi Employee in Jeddah
Scenario: Fatima (non-Saudi/expat) has SAR 5,000 basic, SAR 2,000 housing, SAR 1,000 transport, and a gross salary of SAR 8,500 entered directly (SAR 500 more than her listed components, reflecting a small unlisted allowance).
Component
Amount (SAR)
Gross Salary (entered)
8,500
Basic + Housing + Transport
8,000
Unspecified pay (8,500 − 8,000)
500
Employee GOSI (non-Saudi = 0%)
0.00
Estimated Take-Home Pay
8,500.00
📎 Official Sources We Verified
[1] GOSI — Employer FAQ — confirms the SAR 45,000 maximum contributory wage, the 9% Annuities / 2% Occupational Hazards split, that earnings subject to contribution are basic wage plus housing allowance, and that non-Saudi workers are covered only under the Occupational Hazards branch. Fetched directly from gosi.gov.sa.
[2] GOSI — Contributor FAQ — confirms the Saned (unemployment insurance) subscription rate of 1.5% total, split 0.75% employer / 0.75% contributor. Fetched directly from gosi.gov.sa.
[3] Royal Decree No. M/273 (Ministry of Investment of Saudi Arabia) — Clause Third of the Decree sets the Annuities-branch phase-in for new entrants at 18% combined (9% per side) for the first 12 months after the Law's effective date, rising in four annual steps to 22% combined (11% per side). With the flat 0.75% Saned rate added, this gives new entrants 9.75% in step one, 10.25% in step two, 10.75% in step three, 11.25% in step four, and 11.75% from step five onward. Independent payroll-compliance publications — including Mercans and the Saudi Compliance Institute — corroborate July 3, 2024 as the Law's effective date, which places new entrants in the 10.75% (step three) band from August 2026 through July 2027.
The staged annual schedule for the new-entrant GOSI track is confirmed directly from Royal Decree M/273 (source [3] above). Any GOSI treatment specific to particular worker categories beyond the Saudi/non-Saudi distinction was not independently confirmed for this page — verify anything unusual to your situation with GOSI or a qualified payroll professional.
Disclaimer: This calculator produces estimates only, based on our reading of the sources above. It is not payroll or tax advice, and it is not a substitute for confirming your exact pay with your employer's payroll department or GOSI directly.Learn more about how we research this site.
❓ Frequently Asked Questions
How is net salary estimated in Saudi Arabia?
Estimated net salary = Gross salary − Employee GOSI deduction − Other deductions. For Saudi nationals, the GOSI deduction is calculated on basic salary + housing allowance (capped at SAR 45,000), at a rate that depends on whether you are an existing subscriber or a new entrant. Transport allowance is not part of the GOSI base. Non-Saudi employees are covered only by the employer-paid Occupational Hazards branch, so their own GOSI deduction is 0%. This is an estimate, not an exact or official payroll calculation.
What is the employee GOSI deduction rate in 2026?
It depends on your GOSI registration track. Existing subscribers pay a combined 9.75% of (basic + housing), made up of 9% for the Annuities (pension) branch and 0.75% for Saned (unemployment insurance) — both figures confirmed directly from GOSI's own published FAQ. New entrants follow the staged schedule set out in the Royal Decree (M/273) establishing the New Social Insurance System: the Annuities contribution rises in four annual steps from 9% per side to 11% per side over five years. From August 2026 through July 2027, new entrants are in the third step — 10% Annuities per side — which combined with the flat 0.75% Saned rate gives 10.75%. Confirm your own current step with GOSI's Quick Verification service or your employer's payroll team.
What's the difference between an existing GOSI subscriber and a new entrant?
Saudi Arabia introduced a New Social Insurance System under Royal Decree M/273, which industry sources consistently date to July 3, 2024. Workers with GOSI contribution history before that date are existing subscribers on the original 9.75% employee rate. Workers whose first-ever GOSI registration was on or after that date are new entrants: the Decree phases their Annuities contribution up in four annual steps, reaching its final rate five years after the effective date. Use GOSI's Quick Verification service or the Qiwa portal to confirm which track applies to you and which step of the schedule currently applies.
Is housing allowance included in the GOSI contributory wage?
Yes. GOSI's own published guidance states that earnings subject to the contribution deduction are the basic wage and the housing allowance — paid in cash at the agreed amount, or valued at two months' basic salary if provided in kind — subject to the maximum contributory wage of SAR 45,000. Transport allowance is not mentioned as part of this base and is treated as excluded.
Does GOSI apply to non-Saudi/expatriate employees?
Non-Saudi employees are covered only under GOSI's Occupational Hazards branch, which is paid entirely by the employer. They are not covered under the Annuities (pension) branch. This means a non-Saudi employee's own GOSI deduction from their salary is 0%, based directly on GOSI's published FAQ distinguishing Saudi and non-Saudi coverage.
What if my basic salary plus housing allowance exceeds SAR 45,000?
GOSI's own published FAQ confirms the maximum contributory wage is SAR 45,000. Even if your basic salary plus housing allowance is higher, the GOSI deduction is calculated on SAR 45,000 only.
Does Saudi Arabia have personal income tax on salaries?
No. Saudi Arabia does not levy personal income tax on employment salaries for Saudi nationals or expatriates. ZATCA's role is centered on VAT, corporate income tax (mainly on non-GCC-owned businesses), and Zakat, not on individual wages. This calculator does not include any income-tax deduction because none applies to ordinary salary income.
Can I use this calculator's result as a salary certificate for a bank, visa, or landlord?
No. This tool produces an independent estimate for your own planning purposes only. A salary certificate is an official, stamped and signed document issued by your employer's HR department, and it is what banks, visa offices, and landlords require. Do not submit a screenshot of this calculator in place of one.
How do I get an official salary certificate in Saudi Arabia?
Request it directly from your employer's HR department. It should be stamped and signed, and many companies can also issue it through the Qiwa or Muqeem portals.
Are there other deductions besides GOSI that could affect my take-home pay?
Yes. Loan or salary-advance repayments, voluntary insurance premiums, penalties, or other employer-specific deductions can all reduce your actual take-home pay beyond GOSI. This calculator lets you enter a single optional "other deductions" figure to approximate these, but your actual payslip may include items this tool does not model.
⚠️ 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).