Saudi Arabia has 0% personal income tax. Calculate your full take-home salary and understand GOSI social insurance contributions.
Enter your salary to see your full earnings with 0% income tax
Saudi Arabia is one of the few countries in the world with no personal income tax, alongside UAE, Qatar, Bahrain, and Kuwait.
While there's no income tax, Saudi Arabia has social insurance (GOSI) with different rates for expats and Saudi nationals.
| Contribution Type | Expat Employee | Saudi Employee |
|---|---|---|
| Income Tax | 0% | 0% |
| Pension (Annuities) | N/A | 9% |
| Occupational Hazard | 0% (employer pays 2%) | 0% (employer pays 2%) |
| SANED (Unemployment) | N/A | 0.75% |
| Total Employee Deduction | 0% | 9.75% |
See how 0% income tax affects your take-home pay compared to other countries
| Country | Gross Salary | Tax & Deductions | Net Take-Home | Effective Rate |
|---|---|---|---|---|
| Saudi Arabia (Expat) | SAR 300,000 | SAR 0 | SAR 300,000 | 0% |
| UAE | SAR 300,000 | SAR 0 | SAR 300,000 | 0% |
| Singapore | SAR 300,000 | ~SAR 33,000 | ~SAR 267,000 | 11% |
| United States | SAR 300,000 | ~SAR 75,000 | ~SAR 225,000 | 25% |
| United Kingdom | SAR 300,000 | ~SAR 106,000 | ~SAR 194,000 | 35% |
| Germany | SAR 300,000 | ~SAR 130,000 | ~SAR 170,000 | 43% |
*Approximate values based on 2026 tax rates. Exchange rate used: 1 SAR = 0.27 USD. Actual amounts may vary.
Zakat is an Islamic religious obligation, not a government income tax. Important points:
No, Saudi Arabia does not levy personal income tax on individuals. This applies to both Saudi citizens and foreign expatriates. Your salary is 100% tax-free, making Saudi Arabia one of the most attractive destinations for international workers seeking to maximize their take-home pay.
No, expatriates in Saudi Arabia do not pay income tax on their salaries. Foreign workers keep 100% of their earned income. Employers pay a 2% GOSI contribution for expat occupational hazard insurance, but employees pay nothing. This is a key reason why Saudi Arabia attracts talent from around the world through its Vision 2030 initiative.
GOSI (General Organization for Social Insurance) is Saudi Arabia's social security system. For expatriates, only employers contribute 2% for occupational hazard coverage - employees pay 0%. For Saudi nationals, total GOSI is 21.5% (9.75% employee + 11.75% employer), covering pension benefits, hazard insurance, and SANED unemployment benefits.
Zakat is an Islamic religious obligation requiring Saudi and GCC nationals to pay 2.5% of their net worth annually. It is administered by ZATCA (Zakat, Tax and Customs Authority) but is not an income tax. Expatriates are NOT subject to Zakat - it only applies to Muslim citizens of Saudi Arabia and other GCC countries as part of their religious duties.
Yes, Saudi Arabia has a 15% VAT (Value Added Tax) on most goods and services, introduced in 2018 and increased from 5% to 15% in July 2020. However, VAT is a consumption tax paid when you buy things, not an income tax. Your salary remains completely tax-free - you only pay VAT when making purchases.
Zero income tax. On a SAR 100,000 annual salary in Saudi Arabia, you pay SAR 0 in income tax. Your net take-home pay is the full SAR 100,000. Saudi nationals would have GOSI deductions (9.75% = SAR 9,750), but expats have no deductions at all - 100% of your salary is yours to keep.
Saudi Arabia funds government services primarily through oil revenues (60-70% of government income), corporate taxes on foreign companies (20%), and VAT (15%). The government chose not to implement personal income tax to attract international talent and maintain a competitive advantage as part of Vision 2030's economic diversification and development strategy.
See how Saudi Arabia's tax-free salary compares to other destinations
Data Sources:
ZATCA (Zakat, Tax and Customs Authority) | GOSI (General Organization for Social Insurance)
Verified for 2026 | Official government sources | Last updated: January 2026
This calculator provides information based on official Saudi Arabian government sources. Saudi Arabia has 0% personal income tax. For questions about your specific situation, including visa requirements, GOSI registration, or corporate taxation, please consult with a qualified professional in Saudi Arabia.