Saudi Salary Calculator (2026): GOSI Deductions and Net Pay
There is no income tax on salaries in Saudi Arabia, but social insurance (GOSI) is deducted for Saudi employees, and employers pay their own share for everyone. Enter your salary to see your net pay and what you cost your employer.
Saudi Arabia has no personal income tax on salaries. GOSI is charged on basic salary plus housing, up to SAR 45,000 a month. Saudis in the old system pay 9.75% (employer 11.75%); in the new system the pension share rises 0.5% each July until 2028 — figures here are from 1 July 2026. Check your payslip or GOSI for your exact rates.
How the calculator works
- GOSI is calculated on basic salary plus housing allowance, up to SAR 45,000 a month. Other allowances are not included.
- Saudis in the old system pay 9.75% (9% pension and 0.75% unemployment insurance); employers pay 11.75%. In the new system for workers first registered from 3 July 2024, the pension share is 10% each from 1 July 2026 and rises 0.5% each July until 2028.
- For non-Saudi employees, nothing is deducted from pay; the employer pays 2% for occupational hazards.
Frequently asked questions
Why is my deduction zero?
If you are not a Saudi national, GOSI does not deduct pension or unemployment insurance from your salary. Your employer still pays 2% for work-injury cover.
Is there income tax on salaries in Saudi Arabia?
No. Saudi Arabia does not tax employment income. Zakat and VAT apply in other contexts, not to salaries.
Do these rates change?
Yes. Under the new Social Insurance Law the pension share rises each July until 2028. We checked these figures in November 2026.