What is the monthly Qiwa work permit levy for expatriate employees?

The statutory monthly work permit fee and expat levy is SAR 800 per month (SAR 9,600 annually) for entities where expat headcount equals or exceeds Saudi national staff.

Why should monthly gratuity provisions be factored into workforce planning?

Under IFRS and Saudi Labor Law (Articles 84-85), companies must accrue a monthly liability equivalent to half a month's wage per year (~4.16%) to fully fund severance liabilities upon employee departure.

Saudi ArabiaUpdated for 2026Business

Saudi Total Cost of Employment (TCOW) Calculator 2026

Calculate the true, comprehensive cost of hiring Saudi nationals and expatriate staff including gross salary, GOSI employer contributions (11.75%), Qiwa work permit levies, mandatory CCHI health insurance, annual flight allowances, and end-of-service gratuity provisions.

Salaries & Monthly Wages Labor Law & Employment Social Security & Pension Government & Business Fees

Calculated Result

Total Monthly Employer Cost (TCOW)

16,406.25

Calculator Inputs

Monthly Basic Salary (SAR)

SAR

Quick select:

Monthly Housing Allowance (SAR)

SAR

Monthly Transport Allowance (SAR)

SAR

Other Monthly Allowances (SAR)

SAR

Employee Nationality

Annual Medical Insurance Policy (SAR)

SAR

Annual Flight Allowance (SAR)

SAR

Calculated Result

Total Monthly Employer Cost (TCOW)

16,406.25

Total Annual Workforce Cost

196,875

Employer Overhead Markup Over Salary

17.2

Gross Monthly Employee Salary

14,000

Employer GOSI Contribution Share

1,468.75

Qiwa Work Permit & Expat Levy

Monthly End-of-Service Accrual

520.83

Amortized Medical Insurance & Flights

416.67

Monthly Employment Cost Components

Calculation Methodology

Total Monthly Cost = Gross Pay + GOSI Employer Share + Qiwa Levy + Gratuity Provision + Amortized Medical Insurance & Flights.

Financial & Statutory Disclaimer

Covers direct payroll and statutory employer liabilities mandated by HRSD, GOSI, and the Council of Health Insurance (CCHI).

This calculator is designed for educational and informational purposes based on publicly declared statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimates. Always verify with the relevant official authorities or a certified professional advisor.

Frequently Asked Questions

The employer contributes 11.75% of the contributory wage (9% Annuities + 2% Occupational Hazards + 0.75% SANED Unemployment), capped at SAR 45,000 monthly.

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Saudi Arabia

Saudi Total Cost of Employment (TCOW) Calculator 2026

Calculator Inputs

Monthly Employment Cost Components

Calculation Methodology

Financial & Statutory Disclaimer

Frequently Asked Questions

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