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 have to 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 is the social insurance contribution rate for employees in Saudi Arabia?
For Saudi national employees, the combined social insurance and unemployment insurance (SANED) contribution is 9.75%, which consists of 9% for social insurance and 0.75% for unemployment insurance. This contribution is deducted from your gross salary and applies to a maximum monthly base of SAR 45,000, capping your annual contribution at SAR 52,650.
As a non-Saudi expat, do I pay employee social contributions?
No, non-Saudi employees are not subject to employee social contributions. Only the employer pays a 2% occupational hazard contribution on your behalf, so you will not see deductions from your paycheck for social insurance or unemployment insurance.
What counts as income for calculating social contributions in Saudi Arabia?
Your contribution base includes your basic salary plus any housing allowance, whether paid in cash or provided in kind. However, the total base is capped at SAR 45,000 per month (SAR 540,000 annually) for contribution calculation purposes.
Are there any deductions or tax credits available to reduce my tax burden in Saudi Arabia?
Since Saudi Arabia has no individual income tax on employment income, there are no income tax deductions or credits to claim. Your only mandatory deduction as a Saudi national employee is the 9.75% social insurance and unemployment contribution, which is already calculated into your take-home pay.
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