Money and work calculators
Work out your end-of-service award, VAT, zakat, loan installments and percentages, with formulas and worked examples on every page.
35 tools
- End-of-service calculatorYour award under the Saudi Labor Law
- VAT calculatorAdd or remove 15% VAT
- Percentage calculatorPercentages, changes and discounts
- Loan calculatorInstallments, flat rate and APR
- Zakat calculatorZakat on money, gold and silver
- Article 77 compensation calculatorCompensation for unfair dismissal
- Gulf currency converterRiyal, dollar, dirham and dinar at fixed rates
- Overtime calculatorOvertime pay under Article 107
- Annual leave calculatorLeave balance and leave pay
- Amount in words (Tafqeet)Write amounts in Arabic and English words
- Electricity bill calculatorYour SEC bill from kWh
- Gold price calculatorPrice by karat, making charge and VAT
- Work hours calculatorWeekly timesheet with breaks and limits
- Split the billShare a bill and tip between friends
- Gold zakat calculatorZakat on gold of any karat
- Car finance calculatorInstallment with a final payment and APR
- GOSI and net salary calculatorYour deduction and net pay
- Notice period calculatorLast working day after notice
- Profit margin and break-evenMargin, markup and break-even point
- Trip fuel costLitres and cost for any trip
- Mortgage calculatorHome finance installment and total cost
- Discount calculatorStacked discounts and real savings
- Inheritance calculatorIslamic shares for spouses, parents and children
- Real estate transaction tax5% RETT with the first-home support
- Sick leave pay calculatorPay for sick days under Article 117
- Expat fees calculatorDependents fee and exit/re-entry visa
- Water bill calculatorMonthly water and sewage bill by tier
- Zakat on stocks calculatorZakat on shares for traders and investors
- Absence deduction calculatorPay deducted for absent days and late hours
- Savings goal plannerHow much to save each month for a goal
- Probation period calculatorWhen probation and the contract end
- Cost of hiring an employeeSalary, GOSI, levy, iqama and insurance
- Debt payoff plannerWhen you’ll be debt-free and what you save
- Investment growth calculatorHow savings grow with monthly additions
- Household budget plannerSplit income into needs, wants and savings
Common questions
How much end-of-service award do I get after 5 years?
Two and a half months' wage (half a month for each of the five years) if your employer ended the contract or it expired. If you resigned with exactly five years of service, you get one third of that. End-of-service calculator
What is the VAT rate in Saudi Arabia?
The standard rate is 15%. It has applied since 1 July 2020, when it rose from 5%. VAT calculator
How do I calculate a percentage of a number?
Multiply the number by the percentage, then divide by 100. For example, 15% of 200 is 200 × 15 ÷ 100 = 30. Percentage calculator
What's the difference between a flat rate and APR?
A flat rate charges profit on the full loan amount for the whole term, even as you pay it back. APR charges only on what you still owe, so it reflects the true yearly cost. A flat rate always looks lower than the APR of the same loan. Loan calculator
What is the nisab?
The minimum amount of wealth on which zakat is due. Most scholars put it at the value of 85 grams of pure gold, while Sheikh Ibn Baz gave 92 grams. For silver it is 595 grams. The calculator lets you choose. Zakat calculator
How is Article 77 compensation calculated?
For an open-ended contract, 15 days’ wage for every year of service. For a fixed-term contract, the wage for the rest of the contract. In both cases it can’t be less than two months’ wage, unless the contract sets its own amount. Article 77 compensation calculator
How many Saudi riyals is one US dollar?
3.75 riyals. The Saudi Central Bank has fixed the riyal at 3.75 to the dollar since 1986, so 100 riyals is about 26.67 dollars. Gulf currency converter
How is overtime calculated in Saudi Arabia?
Article 107 says each overtime hour is paid at the hourly wage plus 50% of the basic hourly wage. The hourly wage is usually the monthly wage ÷ 30 days ÷ 8 hours. Overtime calculator
Guides on this topic
- Money and taxSalary and support payment dates 2026–2027Every month's payment dates in one table: government salaries, the Citizen Account, pensions and the developed social security, from October 2026 to December 2027.
- Money and taxHow home finance works in Saudi ArabiaHow your monthly installment is worked out, what the term really costs, and what to compare between banks before you sign.
- Work and labor lawSick leave under the Saudi Labor LawHow sick leave works for private-sector employees in Saudi Arabia: how many days, how they’re paid, and common mistakes.
- Money and taxWhy 50% + 20% off isn’t 70%How extra discounts and coupons really add up in sales like White Friday, and how to spot the better deal.
- Money and taxHow the water bill is calculated in Saudi ArabiaHow your monthly water bill is worked out, why it jumps above 30 m³, and how to keep it down.
- Work and labor lawHow to calculate your end-of-service awardThe formula in Articles 84 and 85 of the Saudi Labor Law, what changes if you resign, the exceptions, and five worked examples.
- Zakat and goldHow to calculate zakat on goldThe steps to calculate zakat on gold of any karat, from weight to the amount in riyals, with an example of mixed karats.
- Work and labor lawGOSI contributions in 2026How much GOSI is deducted from your salary, the difference between the old and new systems, and how contributions are calculated.
- Money and taxLoan installments: flat rate vs APRHow personal loan installments are worked out in Saudi Arabia, why the flat rate hides the real cost, and how to compare offers properly.
- Work and labor lawHow overtime pay is calculated in Saudi ArabiaThe Article 107 formula, the hourly rate, what counts as overtime, and why two common methods give different answers.
- Money and taxHow to remove VAT from a priceHow to find the price before 15% VAT and the VAT inside a total, and why subtracting 15% gives the wrong answer.
- Work and labor lawResignation and notice periods in Saudi ArabiaWhat changed for resignations and notice periods in the Labor Law amendments in force since 18 February 2025, and what happens after you resign.
- Money and taxHow to write amounts in words in ArabicThe rules for writing an amount in Arabic words on a cheque, invoice or contract, with examples for every case and the mistakes people make most often.
- Money and taxHow your electricity bill is calculated in Saudi ArabiaWhat each line of a home electricity bill means, how the two price tiers work, and why summer bills jump, with worked examples.
- Zakat and goldHow gold jewelry prices are calculated in Saudi ArabiaWhat goes into the price of gold jewelry in Saudi Arabia, from the daily gold price to the making charge and VAT, and why you get less when you sell.
- Zakat and goldGold nisab in grams for every karatHow many grams of gold make zakat due? A table of the nisab for 24k, 22k, 21k and 18k gold, how to find the pure gold in your jewelry, and worked examples.
- Work and labor lawWorking hours under the Saudi Labor LawThe rules on how long you can work in the Saudi private sector: daily and weekly limits, Ramadan hours, breaks, the weekly rest day, and when extra hours count as overtime.
- Work and labor lawAnnual leave in Saudi Arabia: your rights under the Labor LawHow many days of paid leave you're entitled to, when that rises, how leave is scheduled, and how unused days are paid when your job ends.
- Work and labor lawWorking hours in Ramadan in Saudi ArabiaWhat the Saudi Labor Law says about working hours in Ramadan for private-sector employees, how overtime is paid, and when Ramadan 1448 is expected to start.
- Money and taxVAT registration in Saudi Arabia: who must register and whenThe turnover thresholds that decide whether your business must register for VAT, how often you'll file returns, and what registration means for your invoices.