Saudi End of Service Benefits & Expat Labor Law Rights
Millions of expats work in Saudi Arabia without knowing what the law says they are owed when a job ends. KSA Expat Rights is an independent hub of plain-language explainers on the money rights that matter most: end-of-service gratuity (EOSB), overtime pay, resignation rules, probation, final settlement, GOSI and more. No jargon, no guesswork — just the articles, the formulas, and worked examples you can check.
1 · the problem
Why expats get underpaid — three common mistakes
Most underpayments are not fraud. They are the result of workers not knowing the rules and signing whatever is put in front of them. These three mistakes cost real money:
1. Not knowing Article 84 & 85
Your gratuity is half a month’s wage per year for the first 5 years, then a full month per year — based on your last wage including fixed allowances. Resignation pays reduced tiers (nothing under 2 years, one-third at 2–5 years, two-thirds at 5–10 years, full at 10+). Accepting a flat “one month per year” without checking the tiers is a classic error.
2. Accepting the wrong overtime rate
Article 107 sets overtime at hourly actual wage + 50% of hourly basic wage. Many workers are paid a simplified “125% of actual” or “150% of basic” instead — both are approximations that usually pay less than the real formula when you have allowances.
3. Not checking the final settlement
Your last payout is more than EOSB: unpaid salary, unused annual leave paid out, possibly a return ticket, minus only legitimate documented deductions. Signing a settlement you have not recalculated is how underpayments become permanent.
2 · flagship feature band
Calculator visual: Pexels free license, photo ID 8970289
End-of-service benefits calculator
Enter your last basic salary, fixed allowances, and years of service — get your Article 84 / Article 85 estimate in seconds, with the full formula shown so you can verify every step. The flagship tool of this site, cross-checked against official sources.
3 · calculators
All calculators
Nine free interactive tools — one for every money question an expat asks. Each calculator shows the full formula so you can verify every step, and every result is an estimate, not legal advice.
End-of-service benefits
Article 84/85: your gratuity from last wage and years of service, with resignation tiers.
Overtime pay
Article 107: the correct hourly formula from your basic and actual wage — not the 125%/150% shortcuts.
Final settlement
EOSB + unused annual-leave encashment + notice pay in lieu — itemized in one total.
Annual-leave encashment
Article 109: what your unused leave days are worth at settlement.
Domestic-worker gratuity
Musaned rule: one month’s wage per 4 consecutive years of service.
Notice-period pay
Pay in lieu of notice under the 2025 asymmetric rule (worker ≥30 / employer ≥60 days).
Hourly-wage converter
Monthly ↔ daily ↔ hourly conversions behind the overtime math — convention labeled honestly.
GOSI contributions
Saudi vs expat rules, wage base, and the 2% employer occupational-hazards rate.
Iqama & dependent fees
Estimate renewal + dependent-levy costs — every figure labeled “verify at Absher/Qiwa”.
Arabic calculators are available too: حاسبة مكافأة نهاية الخدمة (EOSB), حساب العمل الإضافي (overtime), حاسبة التسوية النهائية (final settlement).
4 · gulf countries
Beyond Saudi: the Gulf countries
End-of-service rules change at every border — and only two Gulf states still cut your payout for resigning. Explore each country’s hub, all built from the actual statutes.
Dubai skyline: Pexels free license, photo ID 5577701
United Arab Emirates
Article 51 gratuity calculator (the repealed resignation tiers debunked) + Golden Visa requirements 2026.
Doha skyline: Pexels free license, photo ID 35481866
Qatar
Flat 21-day Article 54 calculator — no cap, no resignation cut; the fake “2026 tiers” debunked.
Kuwait City: Pexels free license, photo ID 30758553
Kuwait
Indemnity calculator (Articles 51–53) with the total-remuneration wage basis most sites get wrong.
Manama skyline: Pexels free license, photo ID 6188071
Bahrain
Article 116 calculator with the pre/post–March 2024 employer-vs-SIO split built in.
Sultan Qaboos Grand Mosque: Pexels free license, photo ID 27222917
Oman
Article 61 bifurcated calculator — old-law and new-law service computed separately.
Golden desert dunes: Pexels free license, photo ID 14741202
Gulf comparison
All six countries side by side: formulas, caps, wage bases — and the “no-resignation-cut club”.
5 · guides
The guides
Every guide explains one money right in plain language, with the exact legal article, tables, and worked examples.
EOSB calculator
Article 84 formula, Article 85 resignation tiers, prorated partial years — and the interactive calculator.
Overtime calculation
The correct Article 107 formula, the wrong versions companies use, and 3 worked examples with real numbers.
Resignation & Article 79 Bis
The 2025 amendment: Qiwa portal resignation, 30-day auto-acceptance, the 7-day withdrawal window, and how resignation changes your EOSB.
Final settlement
The full checklist: unpaid salary, EOSB, unused leave encashment, return ticket, and which deductions are allowed.
Probation period
The 180-day cap (2025 amendment), why it must be in writing, and why there is no EOSB if service ends during probation.
Notice period
Article 75 rules, the 30 vs 60 day conflict in published sources — presented honestly, with what to check in your contract.
Domestic workers
Separate rules under the Musaned regulation — not the Labor Law. What is commonly cited and what still needs verification.
GOSI
What expats actually pay: the 2% occupational-hazards contribution paid by the employer — no pension deduction for non-Saudis.
Iqama renewal fees
The fee structure explained, with explicit “verify current rates” guidance — never stated as fixed 2026 figures.
6 · how to use
How to use this site
Step 1 — Calculate
Run your numbers through the EOSB calculator before your last month. Know your figure before your employer presents theirs.
Step 2 — Read the rules
Check the guide that matches your situation — especially overtime, resignation and final settlement — and compare each line against your payslips.
Step 3 — Verify before you sign
Settlement documents are hard to undo. Confirm your figures with your employer, hrsd.gov.sa or qiwa.sa before signing anything.
7 · transparency
How we verify every number
Official sources only
HRSD, Qiwa, GOSI and the labor-law statutes themselves — never blogs quoting blogs. Our method
Every formula cross-checked
Each calculator is verified against multiple independent sources, with worked examples recomputed by hand.
Re-audited monthly
A standing research agent re-checks official sources every month, and every change is logged in our audit changelog.
8 · faq
Frequently asked questions
What are end-of-service benefits (EOSB) in Saudi Arabia?
End-of-service benefits are the gratuity an employee earns under Article 84 of Saudi Labor Law (Royal Decree M/51): half a month’s wage per year for the first 5 years of service, and one full month’s wage per year after that. It is calculated on your last wage, meaning basic salary plus fixed allowances like housing and transport, and partial years are prorated.
Do expatriate workers in Saudi Arabia get EOSB?
Yes. The Saudi Labor Law covers expatriate workers. You receive the full EOSB amount when your employment ends through employer termination, mutual agreement, or expiry of a fixed-term contract. If you resign, reduced tiers under Article 85 apply depending on your length of service.
How does resigning affect my end-of-service benefits?
Under Article 85, resignation pays EOSB in tiers: nothing if you served less than 2 years, one-third of the full amount from 2 to under 5 years, two-thirds from 5 to under 10 years, and the full amount once you complete 10 years.
How is overtime pay calculated in Saudi Arabia?
Article 107 sets the overtime rate as your hourly actual wage plus 50% of your hourly basic wage. The hourly conversion is commonly done by dividing the monthly wage by 240 working hours, which is a convention rather than a statutory rule.
Is this site legal advice?
No. KSA Expat Rights explains Saudi labor-law money rules in plain language for information only. Rules change and individual cases differ, so always verify your figures with your employer, the Ministry of Human Resources and Social Development (hrsd.gov.sa), or the Qiwa platform (qiwa.sa).
Is there an Arabic version of this site?
Yes. Use the العربية button in the header to switch to the Arabic version of the site, starting at /ar/.