Understand your payslip

Saudi Net Salary Calculator

Calculate take-home pay after GOSI and other deductions. Enter salary and allowances, then use your actual insurance deduction or a selected profile and period.

Enter the figures you want to check

A nonnegative value up to 1000000000, with at most two decimal places.

A nonnegative value up to 1000000000, with at most two decimal places.

Presets assume a Saudi employee covered by pension and SANED. Select the period and profile from GOSI records; use the actual amount for other cases.

Required for a preset rate. Enter the registered wage for this employer, up to SAR 45,000. It is not assumed to equal basic salary alone.

Used only with the actual-deduction option. Zero means no insurance deduction is added to this example.

A nonnegative value up to 100, with at most two decimal places.

A nonnegative value up to 1000000000, with at most two decimal places.

Calculations run only in your browser. Values are neither saved nor sent to us.

How are the results calculated?

Gross pay = basic salary + allowances.

Insurance = the entered actual amount, or registered wage × the selected profile and period rate.

Net pay = gross pay − insurance − (gross pay × other deduction rate) − fixed deductions.

Assumptions and limits

  • The new system applies to entrants without previous contribution periods at its commencement on 3 July 2024. Employee pension starts at 9% and rises by half a percentage point each July from 2025 to 11% in 2028; SANED adds 0.75% when applicable. Hiring date alone does not determine the profile.
  • Preset rates use the registered insurable wage for this employer. Employer contributions and occupational-hazard premiums are not deducted from the employee. Multiple employers and special cases are not classified automatically; check the current GOSI bill when applying the result.
  • This is an arithmetic check for a full month, not approval of a deduction or determination of coverage eligibility. Zero in an optional field omits that item. Review payroll records and applicable rules before adopting a deduction.

Official source: GOSI: new-system eligibility and contribution rates

Official source: GOSI: phased contribution schedule

Official source: GOSI: insurable wage and limits

Understand the idea behind the calculation

Using the tool and understanding your results

See how much pay remains after social insurance and other deductions. Enter basic salary and allowances, then use the actual insurance deduction from your payslip or select a contribution profile and period with your registered wage.

How do I calculate net salary after deductions?

Add basic salary and allowances, then subtract the employee’s insurance share and other deductions. The calculator separates gross pay, insurance and total deductions to show take-home pay for a full month.

Should I use basic or gross salary for GOSI?

Use the registered insurable wage when selecting a preset rate; it may differ from basic salary or total pay. Alternatively, enter the actual insurance deduction shown on your payslip.

Why are there several GOSI contribution rates?

The rate depends on the employee’s applicable insurance system and contribution period. Presets cover Saudi employees subject to pension and SANED. Match the profile and period to your records, or enter the actual deduction for other cases.

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