Your trusted guide to Saudi personal finance
Free, bilingual guides on loans, BNPL, credit scores and Islamic finance — written for Saudi Arabia, not translated from somewhere else.
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Featured Guides
Sending Money Home: How Remittances Work in Saudi Arabia
How to send money abroad from Saudi Arabia legally and safely — SAMA's licensing rules, what actually determines the real cost, and how to compare providers.
Read guide →02VAT in Saudi Arabia Explained: The 15% Rate and What It Applies To
How VAT works in Saudi Arabia — the 15% standard rate, what's exempt or zero-rated, and how to calculate it on any price.
Read guide →03SIMAH Credit Score: What It Is and How to Improve It
A complete guide to your SIMAH credit score in Saudi Arabia — what it means, how to check it, and practical steps to improve it.
Read guide →Do The Math
Free Financial Tools
Personal Loan Calculator
Work out your monthly installment, total repayment and total profit on a personal loan or financing amount.
Calculate now →Zakat Calculator
Estimate your Zakat due (2.5% of net zakatable wealth) on cash, gold, silver and investments above the Nisab threshold.
Calculate now →End-of-Service Gratuity Calculator
Estimate your end-of-service award under Saudi Labor Law, for both resignation and termination.
Calculate now →Take-Home Salary Calculator
Estimate your net take-home salary after GOSI contributions, for Saudi and non-Saudi employees.
Calculate now →BNPL Installment Calculator
See exactly how a Buy Now, Pay Later purchase splits into installments before you check out.
Calculate now →SAR Currency Converter
Convert between Saudi Riyal and major currencies, using the fixed USD peg and a rate you enter for others.
Calculate now →Explained Visually
From the Blog
Saudi National vs Expat: The Complete Financial Comparison
Every place your nationality genuinely changes your finances in Saudi Arabia — GOSI, gratuity, banking, credit, and home finance — in one side-by-side reference.
Read post →2026-09-16Leaving Saudi Arabia: Your Financial Exit Checklist
A visual checklist for closing out your finances before a final exit from Saudi Arabia — gratuity, GOSI, bank accounts, and what to do in what order.
Read post →2026-09-15The Saudi Financial System, Visually Mapped
Who actually regulates what in Saudi finance — SAMA, CMA, ZATCA, GOSI, and SIMAH — explained with a simple visual map instead of a wall of acronyms.
Read post →Why This Site
Why SaudiMoney
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Every guide is written for the Saudi market specifically — SIMAH, Islamic finance, and local banks — not a generic global template.
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Full guides in both English and Arabic, so expats and locals get the same depth of information.
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No paywalls. We earn a commission when you apply through our links, but the guides are written to help you decide, not to sell.
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