Personal income tax
ZAKATY's simple calculator covers cash; its detailed calculator covers assets such as cash, gold, silver and shares. It calculates zakat, not salary income tax or take-home pay.
Filing & deadlines
ZATCA describes payment through ZAKATY as voluntary. Review the asset types and period in the official tool before choosing whether to make a payment.
Business and scope
Business zakat registration and returns follow separate rules. Do not substitute the individual ZAKATY calculator for an enterprise's zakat or income-tax return.
Salary and take-home pay calculator
2026 Saudi private-sector employee, age 18–49 throughout the year, one full-year job with fixed cash basic pay and housing allowance. Calculates salary tax and GOSI/SANED for Saudi nationals under either law, or non-GCC expatriates.
Annual estimate · 2026
- Annual gross earnings
- SAR 150,000.00
- Employee GOSI pension + SANED
- SAR 14,625.00
- Annual income tax
- SAR 0.00
- Annual income after tax and payroll deductions
- SAR 135,375.00
- Average per calendar month (annual net ÷ 12)
- SAR 11,281.25
Calculation details
| Month | Annual gross earnings | Employee GOSI pension + SANED | Annual income tax |
|---|---|---|---|
| 2026-01 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-02 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-03 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-04 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-05 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-06 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-07 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-08 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-09 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-10 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-11 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
| 2026-12 | SAR 12,500.00 | SAR 1,218.75 | SAR 0.00 |
Employment wages are not subject to personal income tax. Saudi employee pension is 9% under the old system; new-system rates are 9.5% January–June and 10% July–December 2026, plus 0.75% SANED. New-system entrants have no civil-pension/social-insurance service before 3 July 2024; use your GOSI classification. Contributions use basic pay plus cash housing, limited to SAR 1,500–45,000; irregular bonus and other cash allowances are excluded. Non-GCC expatriates have no employee GOSI deduction. Excludes in-kind housing, commissions, pensioners, other GCC coverage, loans, voluntary deductions and dependent residence fees. Employer occupational-risk contributions are not deducted from take-home pay.
Official basis and tool instructions
Official ZAKATY individual zakat calculator
This link opens the authority’s service or instructions. Check its supported year and eligibility; a calculation or draft does not submit a tax return.
Open official resource ↗Official basis and tool instructions
- Zakat, Tax and Customs Authority (ZATCA) — Reference 1https://zatca.gov.sa/en/eServices/Pages/eservices-306.aspx
- Zakat, Tax and Customs Authority (ZATCA) — Reference 2https://zatca.gov.sa/en/MediaCenter/News/Pages/Voluntary-Zakat-Zakaty-2026.aspx
- Zakat, Tax and Customs Authority (ZATCA) — Reference 3https://zatca.gov.sa/en/HelpCenter/CustomerJourney/Pages/zakat-journey.aspx
Official sources
Sources checked 28 Oct 2026 · 2026 service guidance