Saudi Arabia · SAR · Pension guide
Saudi Arabia retirement calculator
Use a confirmed GOSI or applicable pension estimate to plan a retirement budget in riyals. Keep pension eligibility separate from the savings calculation.
Jump to calculator ↓ Understand the pension system
What can this calculator estimate?
It compares spending, manually entered pensions and accessible savings in SAR, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
Compare invented scenarios. Amounts are not forecasts or entitlement calculations.
View results ↓Worked example. Change the inputs to explore your plan.
From age 65 to 66 · 12 modelled months · SAR
12-month retirement spending estimate
SAR 116,578
After tax · today's money
- Income you entered
- + SAR 0
- From savings or pension pot
- + SAR 116,578
A level budget through age 95 under your assumptions. It can use up savings and leaves no inheritance reserve. Review each year; this is not a guaranteed spending amount.
See the 12-month breakdown
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
| Month | Income you entered | From savings or pension pot | Spending budget | Savings left |
|---|---|---|---|---|
| 1 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,643,151 |
| 2 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,637,716 |
| 3 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,632,273 |
| 4 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,626,821 |
| 5 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,621,361 |
| 6 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,615,891 |
| 7 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,610,413 |
| 8 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,604,925 |
| 9 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,599,429 |
| 10 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,593,924 |
| 11 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,588,410 |
| 12 | SAR 0 | SAR 9,715 | SAR 9,715 | SAR 2,582,887 |
Savings left after 12 months: SAR 2,582,887
How this budget is calculated ↗The projection below follows your entered spending or withdrawal plan; this budget is a separate estimate.
Accessible savings at retirement · 65
SAR 2,648,576
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 87.8. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | SAR 36,000 | SAR 23,852 | SAR 0 | SAR 0 | SAR 0 | SAR 1,259,852 |
| 47 | Saving | SAR 36,000 | SAR 25,025 | SAR 0 | SAR 0 | SAR 0 | SAR 1,320,877 |
| 48 | Saving | SAR 36,000 | SAR 26,222 | SAR 0 | SAR 0 | SAR 0 | SAR 1,383,099 |
| 49 | Saving | SAR 36,000 | SAR 27,442 | SAR 0 | SAR 0 | SAR 0 | SAR 1,446,541 |
| 50 | Saving | SAR 36,000 | SAR 28,686 | SAR 0 | SAR 0 | SAR 0 | SAR 1,511,227 |
| 51 | Saving | SAR 36,000 | SAR 29,954 | SAR 0 | SAR 0 | SAR 0 | SAR 1,577,181 |
| 52 | Saving | SAR 36,000 | SAR 31,248 | SAR 0 | SAR 0 | SAR 0 | SAR 1,644,429 |
| 53 | Saving | SAR 36,000 | SAR 32,566 | SAR 0 | SAR 0 | SAR 0 | SAR 1,712,995 |
| 54 | Saving | SAR 36,000 | SAR 33,911 | SAR 0 | SAR 0 | SAR 0 | SAR 1,782,906 |
| 55 | Saving | SAR 36,000 | SAR 35,281 | SAR 0 | SAR 0 | SAR 0 | SAR 1,854,187 |
| 56 | Saving | SAR 36,000 | SAR 36,679 | SAR 0 | SAR 0 | SAR 0 | SAR 1,926,866 |
| 57 | Saving | SAR 36,000 | SAR 38,104 | SAR 0 | SAR 0 | SAR 0 | SAR 2,000,970 |
| 58 | Saving | SAR 36,000 | SAR 39,557 | SAR 0 | SAR 0 | SAR 0 | SAR 2,076,527 |
| 59 | Saving | SAR 36,000 | SAR 41,039 | SAR 0 | SAR 0 | SAR 0 | SAR 2,153,566 |
| 60 | Saving | SAR 36,000 | SAR 42,549 | SAR 0 | SAR 0 | SAR 0 | SAR 2,232,115 |
| 61 | Saving | SAR 36,000 | SAR 44,089 | SAR 0 | SAR 0 | SAR 0 | SAR 2,312,204 |
| 62 | Saving | SAR 36,000 | SAR 45,660 | SAR 0 | SAR 0 | SAR 0 | SAR 2,393,864 |
| 63 | Saving | SAR 36,000 | SAR 47,261 | SAR 0 | SAR 0 | SAR 0 | SAR 2,477,125 |
| 64 | Saving | SAR 36,000 | SAR 48,893 | SAR 0 | SAR 0 | SAR 0 | SAR 2,562,018 |
| 65 | Saving | SAR 36,000 | SAR 50,558 | SAR 0 | SAR 0 | SAR 0 | SAR 2,648,576 |
| 66 | Retirement | SAR 0 | SAR 50,643 | SAR 0 | SAR 144,000 | SAR 0 | SAR 2,555,220 |
| 67 | Retirement | SAR 0 | SAR 48,813 | SAR 0 | SAR 144,000 | SAR 0 | SAR 2,460,032 |
| 68 | Retirement | SAR 0 | SAR 46,946 | SAR 0 | SAR 144,000 | SAR 0 | SAR 2,362,979 |
| 69 | Retirement | SAR 0 | SAR 45,043 | SAR 0 | SAR 144,000 | SAR 0 | SAR 2,264,022 |
| 70 | Retirement | SAR 0 | SAR 43,103 | SAR 0 | SAR 144,000 | SAR 0 | SAR 2,163,125 |
| 71 | Retirement | SAR 0 | SAR 41,125 | SAR 0 | SAR 144,000 | SAR 0 | SAR 2,060,250 |
| 72 | Retirement | SAR 0 | SAR 39,107 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,955,357 |
| 73 | Retirement | SAR 0 | SAR 37,051 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,848,408 |
| 74 | Retirement | SAR 0 | SAR 34,954 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,739,362 |
| 75 | Retirement | SAR 0 | SAR 32,816 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,628,177 |
| 76 | Retirement | SAR 0 | SAR 30,635 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,514,813 |
| 77 | Retirement | SAR 0 | SAR 28,413 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,399,225 |
| 78 | Retirement | SAR 0 | SAR 26,146 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,281,371 |
| 79 | Retirement | SAR 0 | SAR 23,835 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,161,207 |
| 80 | Retirement | SAR 0 | SAR 21,479 | SAR 0 | SAR 144,000 | SAR 0 | SAR 1,038,686 |
| 81 | Retirement | SAR 0 | SAR 19,077 | SAR 0 | SAR 144,000 | SAR 0 | SAR 913,763 |
| 82 | Retirement | SAR 0 | SAR 16,627 | SAR 0 | SAR 144,000 | SAR 0 | SAR 786,390 |
| 83 | Retirement | SAR 0 | SAR 14,130 | SAR 0 | SAR 144,000 | SAR 0 | SAR 656,520 |
| 84 | Retirement | SAR 0 | SAR 11,583 | SAR 0 | SAR 144,000 | SAR 0 | SAR 524,103 |
| 85 | Retirement | SAR 0 | SAR 8,987 | SAR 0 | SAR 144,000 | SAR 0 | SAR 389,090 |
| 86 | Retirement | SAR 0 | SAR 6,340 | SAR 0 | SAR 144,000 | SAR 0 | SAR 251,430 |
| 87 | Retirement | SAR 0 | SAR 3,640 | SAR 0 | SAR 144,000 | SAR 0 | SAR 111,070 |
| 88 | Retirement | SAR 0 | SAR 934 | SAR 0 | SAR 112,004 | SAR 31,996 | SAR 0 |
| 89 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
| 90 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
| 91 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
| 92 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
| 93 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
| 94 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
| 95 | Retirement | SAR 0 | SAR 0 | SAR 0 | SAR 0 | SAR 144,000 | SAR 0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
Planning the gap before a confirmed pension
Our worked example separates the years before an entered pension begins from the years after it starts. Every amount and age is invented. It is a calculation illustration, not a typical pension, an entitlement estimate or a recommended retirement age. Living or working in Saudi Arabia alone does not establish eligibility for the pension amount used in a scenario.
Read the full exampleUnderstand the pension system
Saudi Arabia
Common questions
Does this calculate an expatriate's pension entitlement?
No. Confirm the applicable scheme and any employment benefits separately. Unconfirmed pension income should remain zero.
Which money can I count as savings?
Include only capital you can draw on for this plan, after allowing for access restrictions and taxes outside the model. Exclude property you will not sell and assets already used to fund an entered pension payment. Future lump sums are not modelled.
Do pension payments keep pace with inflation?
The illustration holds payments constant in today's purchasing power. Your actual pension may have different increases, caps or no indexation. Test a lower real payment as a separate scenario if needed; this tool does not forecast those rules.
Are my financial inputs stored?
Your figures are calculated in your browser. They are not uploaded or saved in the address bar. Only public, invented example identifiers appear in example links. CSV exports are created on your device.
Methodology · 1.0
Methodology
12-month retirement spending estimate
Already retired? Set the stop-work age equal to your current age to estimate the next 12 months. Otherwise the estimate starts at your chosen retirement age.
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
How this budget is calculated ↗
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
Official sources & pension overviews
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.