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 in Saudi Arabia if I work here?
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 combined rate of 9.75% on earnings up to SAR 45,000 per month.
What are the social insurance contribution rates for employees in Saudi Arabia?
If you are a Saudi national, your employee contribution is 9.75% total, which consists of 9% for social insurance plus 0.75% for unemployment insurance (SANED), applied to your gross income capped at SAR 45,000 monthly. Non-Saudi employees do not have employee contributions; only the employer pays a 2% occupational hazard contribution.
What counts as income for calculating social contributions in Saudi Arabia?
Your contribution base includes your basic salary plus housing allowance, whether paid in cash or provided in kind. This combined amount is capped at SAR 45,000 per month (SAR 540,000 annually) for contribution purposes.
What is the maximum social insurance contribution I will pay as a Saudi national employee?
The maximum annual employee contribution is SAR 52,650, which is the 9.75% rate applied to the annual cap of SAR 540,000. Once your earnings reach SAR 45,000 per month, no further contributions are deducted for that month.
Are there any tax deductions or credits available in Saudi Arabia?
No, Saudi Arabia does not offer income tax deductions, tax credits, or subnational taxes on employment income. The only mandatory deductions from your salary are the social insurance and unemployment insurance contributions if you are a Saudi national employee.
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