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Saudi Arabia calculators — end of service, GOSI, VAT, Iqama, home finance

15 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.

Salary

Saudi End of Service Calculator (EOSB)

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.

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Saudi GOSI Calculator

Estimate 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.

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Saudi Overtime Calculator

Calculate 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.

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Saudi Annual Leave & Leave Encashment Calculator

Calculate 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.

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Saudi Final Settlement Calculator

Your 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.

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Tax

Saudi VAT Calculator (15%)

Add 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.

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Business

ZATCA QR Code Generator & Decoder

Generate 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.

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Saudi Iqama Renewal & Expat Levy Calculator

Estimate 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.

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Iqama Expiry & Days Remaining Calculator

Count 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.

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Saudi Exit Re-Entry Visa Fee Calculator

Calculate 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.

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Saudi Customs Duty & Import VAT Calculator

Estimate 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.

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Saudi Iqama Transfer (Naql Kafala) Fee Calculator

Work 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.

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Real estate

Saudi Home Loan Calculator

Estimate 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.

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Finance

Saudi Personal Loan Calculator

Estimate 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.

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Travel

Saudi Family Visit Visa Fee Calculator

Estimate 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.

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All free online calculators · Free tools

Not tax or legal advice. These calculators give estimates from published rules. Each page states its assumptions and the date its figures were last checked. Confirm with a qualified professional before relying on a figure for a real transaction.
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