Personal finance · KSA
Saudi Finance Guide
A complete guide to personal finance in Saudi Arabia — from gross-to-net salary and GOSI to end-of-service, Zakat, loans, car financing, electricity, gold, and Hijri dates. Every section links to a free calculator and a deeper guide.
Why this guide
Saudi personal finance is governed by a set of specific rules you will not find anywhere else: 9.75% GOSI on the employee, 2.5% Zakat above the nisab, 15% VAT since 2020, half-a-month-per-year Article 84 end-of-service, the SAR 45,000 GOSI cap, SEC residential electricity slabs, and the Umm al-Qura Hijri calendar. Each section below shows the rule, links to the relevant calculator, and links to a deeper blog guide where one exists. The goal: one page you can bookmark and come back to for every Saudi personal-finance question.
Income, salary & GOSI
Your Saudi payslip is shaped by GOSI, the 2% SANID portion (2024+), the SAR 45,000 cap, and how housing allowance is treated. The calculators below cover every common case.
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Payroll · GOSI
Salary Calculator — Saudi Arabia (GOSI)
Calculate monthly and annual salary, GOSI employee/employer shares, and net take-home for Saudi employees.
Open calculator
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Finance · Reducing balance
Loan Calculator — Monthly Payment & Amortization
Calculate monthly payments, total interest, and total cost for any amortized loan using the standard PMT formula.
Open calculator
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Labor law · Article 84
End-of-Service Calculator (EOS) — Saudi Arabia
Calculate the end-of-service award under Article 84 of the Saudi Labor Law. Supports termination and resignation tiers.
Open calculator
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Auto finance · KSA
Car Installment Calculator — Saudi Arabia
Estimate monthly installments, total interest, and total cost for car financing in Saudi Arabia using the reducing-balance formula.
Open calculator
Bills & daily spending
VAT on purchases, residential electricity on the SEC tiered tariff, fuel at the pump, and gold as a savings or jewelry asset. The calculators handle all of these in seconds.
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Tax · 15% KSA
VAT Calculator — Saudi Arabia (15%)
Add 15% VAT to a net amount, or extract VAT from a gross total. Standard KSA VAT rate.
Open calculator
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SEC · Residential
Electricity Bill Calculator — Saudi Arabia (SEC)
Estimate your monthly SEC electricity bill using the residential tariff slabs. No VAT applies to residential electricity in KSA.
Open calculator
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Fuel · 91 / 95 / Diesel
Fuel Cost Calculator — Saudi Arabia
Estimate trip or monthly fuel cost from distance, fuel efficiency, and the current Saudi fuel price.
Open calculator
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Gold · 24K / 22K / 21K / 18K
Gold Price Calculator — Saudi Arabia
Estimate the value of gold by weight and karat. Enter the current 24K price per gram (SAR) to compute 24K, 22K, 21K, and 18K values.
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Religious & personal
Hijri dates using the official Umm al-Qura calendar, Zakat calculation with the correct nisab, end-of-service under Article 84, and personal loan amortization.
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Zakat · 2.5% on nisab
Zakat Calculator — Saudi Arabia
Calculate 2.5% Zakat on your Zakatable wealth above nisab. Zakat is due when wealth held for one lunar year meets the nisab threshold.
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Date math
Date Calculator
Add or subtract days/weeks/months from a date, or compute the exact duration between two dates in years, months, and days.
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Umm al-Qura · Islamic calendar
Gregorian to Hijri Date Converter
Convert dates between the Gregorian calendar and the Hijri (Umm al-Qura) calendar — the official Islamic calendar of Saudi Arabia. Free, instant, two-way conversion.
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Deep-dive guides
Long-form articles on the topics that come up most in our search-console data — most-read by Saudi users in 2026.
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ZATCA · ECDSA
ZATCA ECDSA Cryptographic Stamping Explained (in Plain English)
How the ECDSA signature, the previous-invoice hash, the UUID counter, and C14N canonicalization actually fit together on a ZATCA Phase 2 invoice — and what to audit in any vendor solution.
12 min read
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ZATCA · Fatoorah
ZATCA Fatoorah Onboarding: Step-by-Step for SMEs (2026)
A practical step-by-step walkthrough of the Fatoorah onboarding flow for Saudi SMEs: VAT account, device registration, CSR generation, Compliance CSID, Production CSID, and the sandbox-to-production cutover.
8 min read
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ZATCA · Phase 2
ZATCA Phase 2 (Fatoorah): The Complete 2026 Guide for Saudi Businesses
Everything Saudi businesses need to know about ZATCA Phase 2 (Fatoorah) e-invoicing: who must comply, when, what XML and ECDSA mean for your invoices, the wave schedule, and how to pick an integration partner.
7 min read
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ZATCA · Phase 2
ZATCA Phase 2 Waves & Deadlines: 2026 Compliance Calendar
A full breakdown of the ZATCA Phase 2 wave schedule by revenue threshold, sector-specific rules, exemption categories, cost ranges for SaaS vs self-build, and a 6-month integration timeline.
12 min read
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ZATCA · XML
ZATCA XML Invoice Structure: UBL 2.1 Fields Explained
A field-by-field walkthrough of the UBL 2.1 XML schema used by ZATCA Phase 2: namespaces, mandatory fields, invoice vs debit note vs credit note, line items, tax totals, and common validation errors.
10 min read
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التأمينات · GOSI
Saudi Social Insurance (GOSI) 2026: Complete Guide for Employees and Employers
Everything about Saudi GOSI in 2026: 9.75% employee + 12.75% employer + 2% SANID, who pays, what salary is included, the SAR 45,000 cap, non-Saudi rules, and how to check your GOSI account online.
6 min read
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