Hasibah حاسبة — research

Saudi money calculators, sister site to alhijri.com · researched 23 September 2026 · private page, not indexed

1. The recommended plan

1. Same stack as alhijri, but one page per calculator rather than one page with tabs. Each calculator answers a different Google search. Competitors that rank all use separate pages. Everything else stays alhijri: hand-written HTML/CSS/JS, the same build script, JF Flat font, dark mode, offline PWA, ads only on the live hostname, staging on a .basem.ai subdomain.
2. Build order:
   1. End-of-service gratuity: the biggest search, and the one where exact day-counting (alhijri's engine) is an edge.
   2. Salary after GOSI: most competitors are wrong about the new 2024 system; being right is the headline.
   3. VAT 15%, add or extract, plus the 5% property-sale tax (RETT) as a bonus. Quick to build.
   4. Zakat, finished and indexed well before Ramadan 1448 (starts ≈ 8 Feb 2027), when Zakat searches jump roughly 5–10×.
   5. Loan / personal finance, showing the real annual rate (APR) next to the bank's "flat" rate and checking SAMA's 33% salary limit.
3. Trust on every page: the article or rule number with a link to the official source, a "checked against the law on …" date, and a link to the government's own calculator where one exists.
4. Cross-links: alhijri links to hasibah from its paydays tab (salary → take-home pay) and footer; hasibah uses alhijri for any date picking and links back. Competitors get most of their traffic from date searches, so the pairing helps both.
5. Shared template: before starting, pull alhijri's reusable parts (build script, service worker, FAQ builder, ad gating, theme toggle, fonts) into a shared kit so both sites get fixes together.

2. The rules, calculator by calculator

End-of-service gratuity مكافأة نهاية الخدمة high confidence

• Half a month's wage for each of the first 5 years, a full month for each year after, pro-rated for part-years (Labour Law art. 84).
• Resignation (art. 85): nothing under 2 years · ⅓ for 2–5 · ⅔ for 5–10 · full from 10 years.
• Full award despite resigning (art. 87): force majeure; a woman within 6 months of marriage or 3 months of childbirth.
• Dismissal under art. 80: no award.
• "Wage" means the last actual wage: basic plus housing, transport and other fixed allowances. Housing given in kind counts at up to 2 months' basic per year.
• The February 2025 labour-law amendments did not touch arts. 84, 85 or 87. Pages that say otherwise are wrong.
• Extras worth offering: domestic workers (one month per 4 consecutive years) and civil-service staff (different scheme, still unconfirmed).
• Open question: whether a "year" in the law is Hijri or Gregorian. Default to Gregorian, offer a switch. The official law site blocked access from this server; check it from another connection.

Sources: HRSD article · HRSD amendments table · Labour Law

Salary after social insurance الراتب بعد التأمينات high confidence

Deductions are taken from basic + housing only, capped between SAR 1,500 and 45,000. What an employee pays depends on when they first joined:

For new joiners the pension share rises 0.5 points every 1 July: 9% (2024) → 9.5% → 10% now → 10.5% → 11% (2028). It goes by calendar date, not by years worked. At least one big competitor (Daftra) gets this wrong. The site will need a small update every July.

Sources: GOSI new system · GOSI contributions guide · GOSI FAQ

VAT 15% ضريبة القيمة المضافة high confidence

• Add: price × 1.15. Extract from a price that already includes it: price × 15 ÷ 115. Round to 2 decimals.
• Worth explaining on the page: zero-rated items (exports, medicines, investment gold 99%+) and exempt ones (residential rent, most bank margins, property sales).
• Bonus calculator: property-sale tax (RETT) 5%. A Saudi buying a first home pays nothing on the first SAR 1,000,000.

Sources: VAT regulations · RETT

Loans التمويل الشخصي high confidence

• Banks quote a "flat" profit rate. The real annual cost (APR) is almost double: a 5% flat rate over 5 years is about 9.5% APR. Showing both side by side is the most useful thing this calculator can do. SAMA defines the exact APR method.
• SAMA limits: instalments deducted from salary can take at most 33.33% of salary (25% for retirees), and personal finance runs at most 60 months.
• Paying off early: the most a bank can charge is the remaining principal plus 3 months' profit.

Sources: SAMA lending limits · early payment · APR method

Zakat الزكاة high confidence

• 2.5% on wealth held for a full Hijri year, if it is above the nisab (85 g gold or 595 g silver).
• ZATCA's official individual Zakat guide (based on the Permanent Committee's fatwas) says to use the lower of the two for cash, which is usually silver. Offer gold as an option.
• Worn jewellery: no Zakat per the guide (Ibn Baz held otherwise, so offer a switch). Rented property: Zakat on the rent collected, not on the building. Trading shares: on market value. Debts you owe are not subtracted.
• The site needs today's gold and silver prices in riyals. Plan: a small nightly job writes them into the build.

Sources: ZATCA individual Zakat guide · Ibn Baz on nisab

Later additions worth considering

• Overtime pay (art. 107): hourly wage + 50% of the hourly basic wage. Amended in 2025.
• Annual leave pay: 21 days, or 30 after 5 years.
• Retirement pension estimate: high demand, but the formulas need more checking.
• Skip Citizen Account: its formula isn't public.

3. Competition

The search numbers are informed guesses: no free keyword tool returned real figures. Confirm them with Google Keyword Planner before investing heavily, and with Search Console once live.

• Closest look-alike: hijri-calendars.com already pairs a Hijri calendar with dozens of money calculators. It is busy and low-quality, but it proves the pairing.
• Best independent competitor: hasbati.com: clean, cites the law, but Arabic-only and small (about 120 ranking keywords).
• Crowded names: حاسبتي, احسبلي and hasablitools all sit near "hasibah". The visual identity needs to be distinctive.

4. The domain

hasibah.com was registered in 2019 and only ever showed a GoDaddy parking page. There was no earlier website and so no bad history or penalties. It expires 12 June 2027; consider auto-renew. It now points at this server and shows a "coming soon" page hidden from Google.

5. Search and ranking notes

• Google treats money pages as "your money or your life" topics and holds them to a higher trust bar. Citations, a "checked on" date and a named reviewer matter more than usual.
• Don't mass-produce near-identical pages ("gratuity for 3 years", "for 4 years"…). Google's quality systems hit calculator sites that did this. Add a special-case page only when the answer genuinely differs (e.g. resigned under 2 years, woman after marriage).
• Google stopped showing FAQ rich results in search in May 2026 (reported, not verified here). Keep the FAQs for readers and AI answers, but don't expect the old display in results.

6. Money

• Display ads on Arabic finance pages likely earn only about $0.5–3 per 1,000 views (estimate). Useful, not large.
• Getting paid for loan referrals is regulated by SAMA and needs a licence or a licensed partner. Don't add paid loan links without legal advice. Neutral links to bank calculators are fine.
• Zakat page: link to Ehsan / Zakaty for paying, with no commission.

7. Decisions for you

1. English version at launch, or Arabic first? English is a real gap in the market (expats search gratuity and VAT a lot); it roughly doubles the writing work.
2. Zakat default nisab: silver (ZATCA guide) or gold (osool today)?
3. Ads from day one, like alhijri, or wait for traffic?
4. Named reviewer: is there a lawyer or HR person whose name can appear as "reviewed by" on the gratuity and salary pages?

8. Still to confirm

• Whether the labour law's "year" is Hijri or Gregorian (official site blocked this server).
• Domestic-worker article number (Musaned site had a certificate problem).
• SAMA's current finance fee cap (1%/SAR 5,000 vs a reported lower 0.5%/SAR 2,500).
• Civil-service end-of-service scheme details.
• Real search volumes (Keyword Planner).

Research combined three independent passes: official rules, competition/search, and a review of reusable code in alhijri and osool. Estimates are labelled as such; everything else links to its source.