24 free tools. Every one runs in your browser; nothing is uploaded.
These calculators follow the Saudi Labor Law (Royal Decree M/51) for end-of-service and overtime, GOSI's published contribution rates, ZATCA's 15% VAT and e-invoicing QR specification, and SAMA's loan-to-value limits for home finance. Iqama and levy amounts are the commonly cited figures and are flagged on the page until confirmed against the Ministry of Interior notice.
Saudi rules differ from the UAE in ways that matter: end-of-service is half a month per year for five years then a full month, resignation reduces it in thirds, and expats carry a monthly levy that employers budget for. Each page states the rule it applies and links to the official source.
Calculate your Saudi Arabia end-of-service benefit (EOSB) for resignation or termination, per Saudi Labor Law.
Saudi end-of-service benefit is half a month's wage for each of the first five years and a full month's wage per year after that. On resignation the employee receives one third after 2–5 years, two thirds after 5–10 years and the full amount after 10 years; termination by the employer pays the full amount.
Open the calculatorEstimate GOSI contributions and net salary for Saudi and non-Saudi employees in Saudi Arabia.
GOSI contributions for Saudi employees are 9.75% from the employee (9% pension + 0.75% SANED) and 11.75% from the employer (9% + 0.75% + 2% occupational hazards). For non-Saudi employees only the employer's 2% occupational-hazard contribution applies.
Open the calculatorCalculate overtime pay in Saudi Arabia at the statutory hourly wage plus 50%, per Article 107 of the Saudi Labor Law.
Saudi overtime is paid at the hourly wage plus 50% of the basic wage (150% of the basic hourly rate) under Article 107 of the Labor Law. Standard hours are 8 a day or 48 a week, reduced to 6 a day for Muslim employees during Ramadan.
Open the calculatorCalculate accrued annual leave in Saudi Arabia (21 days, 30 after five years), the days you have left, and the cash value of unused leave at the end of service.
Saudi Labor Law Article 109 gives at least 21 days of paid annual leave a year, rising to 30 days after five consecutive years with the employer; leave accrues pro rata and any untaken balance is paid out at the end of service at the daily wage (monthly wage ÷ 30) under Article 111.
Open the calculatorYour complete end-of-service settlement in Saudi Arabia: EOSB under Articles 84–85, accrued leave, notice pay, unpaid salary days and deductions in one figure.
A Saudi final settlement adds the end-of-service benefit (half a month's wage per year for five years, a full month after; one-third, two-thirds or full on resignation by length of service), encashment of untaken leave at wage ÷ 30 per day, unpaid salary days and any notice pay in lieu, less unserved notice and debts — payable within one week (termination) or two weeks (resignation) under Article 88.
Open the calculatorSaudi take-home pay after GOSI (9.75% for Saudis, nil for expats) with no income tax, end-of-service accrual, employer GOSI, expat levy and medical insurance — real monthly pay and the real cost to the employer.
Saudi Arabia has no income tax; Saudi employees pay 9.75% GOSI (9% pension + 0.75% SANED) on basic plus housing up to SAR 45,000 and expatriates pay nothing. A Saudi on SAR 10,000 basic + 2,500 housing + 1,000 transport takes home SAR 12,281; the employer adds 11.75% GOSI (2% for expats plus the SAR 800 monthly expat levy) and end-of-service accrues at half a month's wage a year for five years, then a full month.
Open the calculatorCompensation owed when a Saudi employment contract is ended without a valid reason: 15 days of wages per year (indefinite) or the remaining-term wages (fixed), the two-month minimum, notice pay in lieu and the end-of-service award.
Article 77 of the Saudi Labor Law makes a party that ends a contract without a valid reason pay 15 days of actual wages (basic plus fixed allowances) per year of service on an indefinite contract, or the wages for the remaining term on a fixed-term contract, never less than two months of wages — on top of notice pay in lieu (60 days from the employer, 30 from the employee) and the end-of-service award; an employer dismissing a SAR 11,000-a-month employee after 3 years 4 months without notice owes about SAR 62,300.
Open the calculatorSick pay for an absence under Saudi Labor Law Article 117 — 30 days at full wage, 60 at three-quarters, 30 unpaid within a year — placing your days in the right tier, with pay lost and entitlement remaining.
Saudi Labor Law Article 117 gives 120 days of sick leave within a year from the first day of sickness — 30 days at full wage, 60 at three-quarters and 30 unpaid, continuous or intermittent — on the actual wage divided by 30, so 45 sick days on SAR 11,000 a month pay SAR 15,125 against SAR 16,500 of normal salary; the employer may only terminate once the 120 days are exhausted, with full end-of-service.
Open the calculatorAdd 15% Saudi VAT to a price, or extract the VAT already included in a VAT-inclusive amount.
Saudi Arabia's VAT rate is 15%. Multiply a net price by 1.15 to add VAT, or divide a gross price by 1.15 to find the net amount. The rate rose from 5% to 15% on 1 July 2020.
Open the calculator20% income tax on the non-Saudi share of profit and 2.5% / 2.578% zakat on the Saudi or GCC share of the zakat base, withholding tax on dividends, royalties and management fees, and the effective rate for a mixed-ownership company.
Saudi companies pay 20% income tax on the share of adjusted profit owned by non-Saudi/non-GCC persons and 2.5% zakat (2.578% for a Gregorian year) on the Saudi/GCC share of the zakat base, never less than 2.5% of profit. A 60% Saudi-owned company with SAR 2 million profit and a SAR 4 million zakat base pays about SAR 222,000 — an effective 11%; withholding tax is 5% on dividends, 15% on royalties and 20% on management fees.
Open the calculatorGenerate a ZATCA-compliant QR code for a Saudi simplified tax invoice (Phase 1 TLV Base64) or decode an existing one — free, instant, runs in your browser.
A ZATCA simplified tax invoice QR code encodes five TLV fields — seller name, VAT number, timestamp, invoice total and VAT amount — as a Base64 string. Each field is a one-byte tag, a one-byte length and the UTF-8 value.
Open the calculatorEstimate annual Iqama renewal fees, the monthly expat worker levy and the dependent levy for expatriates in Saudi Arabia.
Saudi Iqama renewal costs about SAR 650 per year for a standard worker (SAR 600 for domestic workers). Employers pay an expat levy of SAR 800 per month per foreign worker (SAR 700 where Saudis are at least half the workforce), and a dependent levy of SAR 400 per month per family member.
Open the calculatorCount the days left on your Iqama (or any Saudi/UAE visa or Emirates ID), check whether you are inside the renewal window, and see the late-renewal fine that applies.
Iqama renewal is done by the sponsor via Absher or Muqeem after paying the levy and fee, and is commonly reported as available up to 90 days before expiry. Late renewal is commonly reported to cost SAR 500 the first time, SAR 1,000 the second and deportation the third. UAE residence visas have a 30-day grace period, then AED 50 per day.
Open the calculatorCalculate the Absher fee for a single or multiple exit re-entry visa for any number of months, for yourself and your dependents, and check it fits inside your Iqama validity.
A Saudi single exit re-entry visa is commonly reported to cost SAR 200 for 2 months plus SAR 100 per extra month; a multiple exit re-entry visa SAR 500 for 3 months plus SAR 200 per extra month, up to 12 months and never beyond the Iqama expiry. The same fee applies per dependent.
Open the calculatorEstimate what you pay to clear goods into Saudi Arabia: customs duty on the CIF value by category, 15% VAT on top, and the landed cost per unit.
Saudi import duty is charged on the CIF value (goods + insurance + freight) at the ZATCA tariff rate — 5% for most goods, 12% for clothing, textiles and furniture, 0% for many basic foods — and 15% VAT is then charged on CIF plus duty, giving an effective 20.75% on a 5% product. GCC-origin goods with a certificate of origin are duty-free.
Open the calculatorWork out the sponsorship-transfer fee for a worker's first, second or later transfer in Saudi Arabia, plus the work-permit levy and Iqama fee the new employer must pay at the same time.
A Saudi sponsorship transfer (naql kafala) is commonly reported to cost the new employer SAR 2,000 for a worker's first transfer, SAR 4,000 for the second and SAR 6,000 for the third or later, paid on Qiwa together with the work-permit levy (SAR 800 or 700 a month) and the SAR 650 annual Iqama fee; the worker cannot be charged.
Open the calculatorEstimate your monthly home finance installment in Saudi Arabia, the down payment required under SAMA's LTV limits, and total cost over the term.
SAMA allows Saudi citizens to borrow up to 90% of the value of a first home, so the minimum down payment is 10%. Most Saudi home finance is structured as Islamic murabaha or ijara, with the monthly instalment calculated on a standard amortisation basis.
Open the calculator5% Real Estate Transaction Tax on any Saudi property price, the first-home support for citizens (state pays RETT up to SAR 1m), the 2% non-Saudi fee, brokerage at the 2.5% cap and bank costs — the cash you need to complete.
Saudi property sales carry a 5% Real Estate Transaction Tax (RETT) instead of VAT, payable to ZATCA within 30 days; for eligible Saudi citizens the state bears the RETT on the first SAR 1,000,000 of a first home, so a SAR 1.5 million first home pays SAR 25,000 instead of SAR 75,000. Brokerage is capped at 2.5% and non-Saudi buyers in Riyadh, Jeddah, Makkah and Madinah pay a 2% REGA fee.
Open the calculatorEstimate the monthly installment and total cost of a personal finance loan in Saudi Arabia from the bank's flat rate, and check it against the SAMA one-third salary limit.
Saudi banks quote personal finance at a flat annual rate; the true APR on a reducing balance is roughly 1.8 times higher (a 4.5% flat rate over 5 years is about 8.3% APR). SAMA rules cap total monthly instalments at one-third of salary (25% for retirees), terms at 5 years, admin fees at 1% up to SAR 5,000 and early-settlement fees at 3 months' profit or SAR 5,000.
Open the calculatorMonthly installment on Saudi car finance at a flat or reducing rate with or without a balloon, APR, total cost with fees and insurance, the SAMA 33.33% salary check and the biggest car your salary can finance.
Saudi car finance is quoted as a flat profit rate on murabaha or lease-to-own contracts: SAR 108,000 financed at 4% flat over 60 months costs SAR 2,160 a month (about 7.4% APR). SAMA limits the term to five years, caps salary-linked deductions at 33.33% of gross salary (25% for retirees) and assesses balloon deals on the average installment.
Open the calculatorMonthly profit on a Saudi credit card at your rate, how long paying the minimum takes and what it costs, a fixed-payment and 12-month plan, the personal-loan alternative and how card limits eat into SAMA's 33% salary cap.
Saudi credit cards charge roughly 2%–2.75% a month (24–33% a year) on unpaid balances with a minimum payment of about 5%; paying only the minimum on SAR 15,000 at 2.5% takes about 8 years 8 months and costs around SAR 13,200 of profit, against SAR 2,550 clearing it in a year or SAR 1,670 via a 7% personal finance over three years. Card limits count against SAMA's 33.33% salary and 45% debt-burden ceilings.
Open the calculatorEstimate the cost of a Saudi family or personal visit visa for each visitor — single or multiple entry, mandatory insurance, and the stay and validity limits that apply.
A Saudi family or personal visit visa is commonly reported at SAR 300 for single entry (stay up to 90 days) or SAR 500 for multiple entry (one year, 90 days per visit), plus mandatory health insurance of roughly SAR 100–300 per visitor depending on age; the resident sponsor applies on the MOFA platform and the visitor pays at the embassy or a visa agency.
Open the calculatorTotal dependent (family) levy of SAR 400 per month per dependent for a 3, 6, 9 or 12-month Iqama renewal, plus SAR 500 Iqama fees for dependents over 18, Absher charges and health insurance, with the 90-day grace for new arrivals.
The Saudi dependent levy is SAR 400 per dependent per month — SAR 4,800 a year each, SAR 14,400 for three — paid in advance for the whole Iqama period before dependents can be renewed, with a 90-day grace for new arrivals, a SAR 500 annual Iqama fee for dependents aged 18 and over (none under 18), SAR 51.75 Absher per Iqama and mandatory health insurance; it is normally the employee's cost unless the contract says otherwise.
Open the calculatorFull cost of renewing a Saudi Iqama for 3–12 months: SAR 650 Iqama fee, SAR 800 / 700 monthly work-permit levy, SAR 400 dependent levy, insurance, Absher charges and late penalties — split into what the employer must pay under Article 40 and what the worker usually bears.
Renewing a Saudi Iqama for a year costs the employer about SAR 11,500 for a single worker — SAR 650 Iqama fee, SAR 9,600 work-permit levy (SAR 8,400 where Saudis are at least half the staff; nil for industrial-licence companies since Dec 2025), insurance and SAR 51.75 Absher — which Article 40 forbids deducting from salary, while the SAR 4,800-a-year dependent levy per family member and dependents' fees are usually the worker's; late renewal is fined SAR 500, then 1,000, then 1,000 plus possible deportation.
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