Net salary calculator
Work out your monthly net salary in Saudi Arabia: enter your basic salary and housing allowance and whether you are Saudi or non-Saudi, and get the GOSI deduction breakdown at once. Everything is computed in your browser.
To calculate your net salary, enter your monthly basic wage plus housing allowance and choose Saudi or non-Saudi. For Saudi employees the tool deducts the GOSI pension share, which depends on your first registration date, and 0.75% for unemployment insurance (SANED), and shows the breakdown line by line. Non-Saudi employees carry no employee deduction. It is free, needs no sign-up, and your numbers never leave your browser.
How to use it
Enter your monthly basic wage plus housing allowance, choose your status (Saudi or non-Saudi), and if you are Saudi choose when you first registered with GOSI: before 3 July 2024 or on or after that date. The result appears as you type: the net salary with each deduction itemized, and no employee deduction for non-Saudis.
When it helps
Offers and payslips quote the gross, but the bank receives the net after the GOSI deduction. Knowing the deduction in advance makes negotiation and budgeting straightforward, and the Saudi employee rate depends on your first registration date, which is easy to miss.
Common questions
What is deducted from a Saudi employee salary?
Two GOSI contributions from the contribution-subject wage (basic wage plus housing allowance, capped at SAR 45,000 a month): the pension share and 0.75% for unemployment insurance (SANED). The pension share depends on your first registration date: 9%, so 9.75% in total, if you registered before 3 July 2024; for later registrations the total starts at 9.75% and rises 0.5% each July, up to 11.75%.
Why is there no deduction for non-Saudi employees?
The only GOSI branch that covers non-Saudi workers is occupational hazards at 2%, and the employer pays it in full. Nothing is deducted from the worker salary, so the net equals the gross.
Which salary figure should I enter?
Your monthly basic wage plus your housing allowance, which is what GOSI counts as the contribution-subject wage. The tool caps that figure at SAR 45,000 a month before applying the rates.
Is my data sent anywhere?
No. The calculation happens entirely in your browser. Your numbers are never uploaded, stored, or shared.
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