Saudi Personal Finance Calculator Widget
Work out the monthly instalment, total term cost and total repaid on a Saudi personal finance at the annual percentage rate you enter, and check it against SAMA's 60-month maximum term and the salary-deduction and debt-burden limits.
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<iframe src="https://a2z.tools/embed/w/saudi-personal-finance-calculator" title="Saudi Personal Finance Calculator by A2Z Tools" width="100%" height="910" style="border:0;width:100%" loading="lazy" allow="clipboard-write"></iframe>
A plain iframe. Works everywhere, including site builders that strip scripts. Adjust height if your content needs more room.
<div data-a2z-widget="saudi-personal-finance-calculator" data-height="910"></div> <script async src="https://a2z.tools/embed.js"></script>
Adds a small script (what it does) that sizes the widget to fit its content, loads it lazily and keeps it isolated from your page's CSS.
Works with
How it works
A personal finance in Saudi Arabia is repaid in equal monthly instalments, and SAMA requires lenders to disclose its cost as an annual percentage rate - the term cost (كلفة الأجل) over the life of the finance. The widget computes the level instalment on a reducing balance at the APR you enter, the same arithmetic as A2Z's generic loan calculator, and the total term cost. It then checks three regulatory limits from the Responsible Lending Principles: consumer finance may not run longer than 60 months; instalments deducted from salary may not exceed 33.33% of gross salary (25% for retirees); and obligations other than home finance may not exceed 45% of income up to SAR 25,000. SAMA sets no cap as a multiple of salary for personal finance - the amount is limited by those burden tests. A flat rate quoted by a lender is not an APR; the reducing-balance APR is always higher than the flat rate for the same deal.
Calculation method
- Instalment = P x r / (1 - (1 + r)^-n), r = APR / 12
- Term cost = instalment x months - amount financed
- Checks: term <= 60 months; salary deductions <= 33.33%; non-home obligations <= 45%
Worked examples
SAR 150,000 over five years
Inputs: APR 7%; 60 months
Result: About SAR 2,970 a month
Standard reducing-balance instalment.
Too long
Inputs: Same finance over 72 months
Result: Above SAMA's 60-month limit
An illustration at the rate you enter, not a finance offer. Lenders decide eligibility, rate and fees.
Limitations
- Admin fees and insurance are not added to the APR; use the lender's disclosed APR where possible.
- Early settlement charges are not calculated.
- Does not apply a lender's own minimum salary, age or employer-list rules.
Where publishers use it
- A comparison site's personal finance page with a live instalment
- An employee checking how much of their salary a new finance would take
- A finance company's disclosure page explaining APR and term cost
- A wedding, education or home-renovation budgeting guide estimating monthly repayments
Questions
What is the maximum personal finance term in Saudi Arabia?
60 months. SAMA's Responsible Lending Principles limit consumer finance, including personal and vehicle finance, to five years; real estate finance and credit cards are excluded.
How much personal finance can I get on my salary?
There is no salary-multiple cap. The limit comes from the burden tests: salary-deducted instalments up to 33.33% of gross salary, and non-home obligations up to 45% of income for incomes below SAR 25,000.
What is the difference between a flat rate and an APR?
A flat rate charges profit on the original amount for the whole term; the APR measures cost on the reducing balance. A 4% flat rate over five years is roughly a 7.4% APR, so always compare APRs.
Can I settle a personal finance early?
Yes. Under the Finance Companies Control Law Implementing Regulation (Article 88) and bank rules, early settlement costs the remaining principal plus at most three months of term cost, and non-recoverable third-party charges. Ask the lender for a written settlement figure.
Does refinancing or consolidating debts change the limits?
The same caps apply to the new combined obligation. Buying out an existing finance from another lender is assessed on the total monthly instalment after the takeover, including any credit-card minimums that remain.
Rules and official sources
Every legal or regulatory figure this widget uses is listed here, with the official page it was read from. The widget reads them from A2Z's rule file for Saudi Arabia; when a rule changes, the widget changes with it.
| Rule | Official source | In force from | Last verified | Next review |
|---|---|---|---|---|
| Maximum consumer finance term Personal and vehicle finance may not exceed 5 years (60 months); real estate finance and credit cards are outside this limit (para 18). In force from 12 August 2018. |
Responsible Lending Principles for Individual Customers, Chapter IV Saudi Central Bank (SAMA Rulebook) - Para. 18 |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
| Income counted for debt burden Total monthly income = gross salary (or pension) + 50% of the monthly average of other periodic income evidenced over two years (para 14). Citizen Account and social security support are excluded; MoMAH/REDF housing support counts for real estate products only. A credit card counts at its minimum repayment; unequal instalments, including a final balloon payment, count at their monthly average (para 13). |
Responsible Lending Principles for Individual Customers, Chapter IV Saudi Central Bank (SAMA Rulebook) - Paras. 13 and 14 |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
| Instalments deducted from salary Instalments deducted from salary may not exceed 33.33% of gross salary for employees and 25% for retirees, in every income band. |
Responsible Lending Principles for Individual Customers, Chapter IV Saudi Central Bank (SAMA Rulebook) - Paras. 15(a), 16(a), 17(a) |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
| Debt burden limits by income band Income up to SAR 15,000: obligations other than home finance up to 45% of income; all obligations up to 55%, or 65% for Ministry of Housing / REDF support beneficiaries on home-finance products. Over SAR 15,000 and under 25,000: 45% and 65%. SAR 25,000 and above: only the salary-deduction limit is fixed; the total is set by the lender's policy. |
Responsible Lending Principles for Individual Customers, Chapter IV (amended by Circular 406940000001) Saudi Central Bank (SAMA Rulebook) - Paras. 15(b)-(c), 16(b)-(c), 17 |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
Sources
- Responsible Lending Principles for Individual Customers, Chapter IV - Saudi Central Bank (SAMA Rulebook) . Para. 18. Verified 2026-10-07.
Cite or recommend this tool
If you reference this tool in an article, course or documentation, these formats are ready to copy. They are optional - nothing is added to your site unless you paste it.
A2Z Tools Saudi Personal Finance Calculator https://a2z.tools/embed/saudi-personal-finance-calculator
<a href="https://a2z.tools/embed/saudi-personal-finance-calculator">A2Z Tools Saudi Personal Finance Calculator</a>
[A2Z Tools Saudi Personal Finance Calculator](https://a2z.tools/embed/saudi-personal-finance-calculator)
Saudi Personal Finance Calculator by A2Z Tools - https://a2z.tools/embed/saudi-personal-finance-calculator
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