Saudi Arabia Tax Calculator (2026)
Income tax rates and take-home pay for Saudi Arabia
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Saudi Arabia Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|
Social Insurance & Unemployment Insurance (SANED) - Employee
| Bracket | Income Range | Rate |
|---|---|---|
| Employee contribution (9% social insurance + 0.75% unemployment) | SAR 0 - SAR 540,000 | 9.8% |
Capped at SAR 52,650 per year
Key Facts
Tax Year
2025
Currency
SAR
Top Rate
0%
Brackets
0 brackets
Allowance
None
Social Contributions
1 item
Assumptions
- · Saudi Arabia imposes no individual income tax on employment income for residents.
- · This model reflects social insurance contributions only, which are mandatory employee deductions.
- · For Saudi nationals, employee contribution is 9.75% (9% social insurance + 0.75% unemployment insurance SANED) on a base capped at SAR 45,000 monthly.
- · For non-Saudi employees, only employer contribution (2% occupational hazard) applies; no employee deduction.
- · Model uses Saudi national assumption per default person model.
- · Base includes basic salary plus housing allowance (paid or in kind), capped at SAR 45,000 per month (SAR 540,000 annually).
- · No income tax, deductions, credits, or subnational taxes apply to employment income.
Frequently asked questions
Do I pay income tax on my salary in Saudi Arabia?
No, Saudi Arabia imposes no individual income tax on employment income for residents. However, if you are a Saudi national employee, you will have mandatory social insurance and unemployment insurance contributions deducted from your salary at a rate of 9.75% on earnings up to SAR 45,000 per month.
What are the social insurance contributions for employees in Saudi Arabia?
Saudi national employees pay 9.75% in combined social insurance and unemployment insurance contributions (SANED), which consists of 9% for social insurance and 0.75% for unemployment insurance. This contribution is calculated on your base salary plus housing allowance, capped at SAR 45,000 monthly, with a maximum annual contribution of SAR 52,650.
Are non-Saudi employees subject to the same deductions as Saudi nationals?
No, non-Saudi employees are not subject to employee social insurance deductions. Only the employer pays a 2% occupational hazard contribution on behalf of non-Saudi workers, so non-Saudis take home their full gross salary without these mandatory employee deductions.
What counts as income for calculating social insurance contributions?
Your contribution base includes your basic salary plus any housing allowance, whether paid in cash or provided in kind. However, the base is capped at SAR 45,000 per month (SAR 540,000 annually), so contributions are calculated only on income up to this limit.
Will I owe any other taxes besides social insurance contributions?
No, there are no additional income taxes, deductions, credits, or subnational taxes on your employment income in Saudi Arabia. Your only mandatory deduction as a Saudi national employee is the 9.75% social insurance and unemployment insurance contribution on earnings up to the monthly cap.
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