Saudi Arabia Tax Calculator (2026)
Income tax rates and take-home pay for Saudi Arabia
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're a Saudi national employee, you will have mandatory social insurance and unemployment insurance deductions (SANED) totaling 9.75% of your gross salary, capped at a monthly base of SAR 45,000.
What are the social insurance contributions I'll pay as an employee in Saudi Arabia?
If you're a Saudi national, you contribute 9.75% to social insurance and unemployment insurance combined, which consists of 9% for social insurance plus 0.75% for unemployment insurance (SANED). This contribution is calculated on your gross income up to a monthly cap of SAR 45,000, meaning the maximum annual contribution is SAR 52,650.
As a non-Saudi expat working in Saudi Arabia, do I pay income tax or social contributions?
Non-Saudi employees do not pay individual income tax or employee social contributions in Saudi Arabia. Only employers are required to contribute 2% for occupational hazard insurance on behalf of non-Saudi employees, but this does not reduce your take-home pay.
What counts as income for calculating my social insurance contributions in Saudi Arabia?
Your contribution base includes your basic salary plus 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.
Will my take-home pay be affected by taxes or deductions in Saudi Arabia?
If you're a Saudi national, your take-home pay will be reduced only by the 9.75% SANED contribution (social insurance and unemployment insurance). If you're a non-Saudi expat, there are no income tax or employee social contribution deductions, so your take-home pay equals your gross salary minus any voluntary deductions or employer-provided benefits.
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