Qiwa End of Service Calculator — How to Read It and Cross-Check Your ESB

Qiwa is the official digital labour platform in Saudi Arabia, operated by the Ministry of Human Resources and Social Development (HRSD). Among its tools is an End of Service Reward Calculator that estimates the end of service benefit (ESB) due when an employment relationship ends. There is also a sister calculator on the HRSD website itself. Both are run by the government, and both are the most authoritative free starting point for working out your entitlement.

It is worth being precise about what these tools are — and are not. The Qiwa calculator is an automated estimator. HRSD states plainly that the result is generated automatically and that the ministry is not responsible for the figure it produces. In practice that means the number is only as good as the data fed into it. If your contract details on the system are wrong, the result will be wrong too — and it will look just as official.

This guide explains what the Qiwa calculator shows, how to read the result, why your figure might differ from what you expected, and — most importantly — how to cross-check it against the actual Saudi Labour Law formula so you can spot an error before you sign anything.

You can run your own independent figure alongside Qiwa using our KSA EOSB Calculator, which applies the same Article 84 and Article 85 rules described below.

The Qiwa End of Service Reward Calculator sits inside your individual Qiwa account. The official route is:

1. Log in to your individual account at qiwa.sa (you authenticate using your national ID via Absher / Nafath).
2. Go to "My current job" and select "End of Service reward".
3. Enter the requested details: the contract type (fixed-term/limited or unlimited), the reason employment ended (resignation, termination, contract expiry, etc.), your start and end dates, and your salary.
4. The calculator then displays the estimated end of service reward.

The HRSD website hosts a similar public calculator (the End of Service Benefit Calculator) that does not require you to log in to a job record — you enter the service dates and salary directly. Either is fine for a quick estimate; the in-account Qiwa version has the advantage of pulling some details from your registered employment record.

The Inputs That Decide Your Result

Four inputs drive the entire calculation, and three of them are the usual source of disputes:

• Reason for ending — this determines whether the Article 85 resignation reductions apply. "Resignation" can cut your award; "termination" and "contract expiry" do not.
• Salary — the calculator works from the figure entered, which should be your last actual wage. Whether that figure correctly includes your fixed allowances is the single biggest reason results come out low (see below).
• Start and end dates — these fix your total years of service, including partial years, which decide both your accrual and your resignation tier.
• Contract type — limited vs. unlimited contract, which can affect how an early ending is treated.

The Qiwa calculator is simply applying the Saudi Labour Law (Royal Decree No. M/51). Understanding the two articles it relies on lets you sanity-check its output by hand.

Article 84 — How the Award Accrues

Article 84 sets the accrual rate, based on your last actual wage:

• Half a month's wage for each of the first 5 years of service.
• One full month's wage for each year after the fifth.
• Partial years are counted pro-rata.

The "wage" used here is the last actual wage, which in Saudi Arabia is read to include basic pay plus fixed, regular allowances — not basic salary alone. This is a key difference from the UAE, where gratuity is on basic salary only.

Article 85 — How Resignation Reduces the Award

If you resign, Article 85 reduces the Article 84 figure on a sliding scale:

Article 85 also provides that an employee who leaves due to a force majeure beyond their control receives the full award regardless of these tiers. (A separate provision, Article 87, gives a female employee the full award if she resigns within 6 months of marriage or 3 months of childbirth.)

So the chain is: Article 84 sets the gross figure → the reason for ending decides whether an Article 85 reduction applies → the result is your ESB. If you select "resignation" on the calculator, the Article 85 reduction is baked into the number it shows you — which is exactly why the same dates and salary can produce two very different figures depending on the reason you enter.

Suppose you resigned after 7 years of service on a last total monthly wage of SAR 12,000 (basic + fixed allowances).

Step 1 — accrual under Article 84:

• First 5 years at half a month: 5 × 0.5 × SAR 12,000 = SAR 30,000
• Years 6 and 7 at one month: 2 × 1.0 × SAR 12,000 = SAR 24,000
• Gross award = SAR 30,000 + SAR 24,000 = SAR 54,000

Step 2 — resignation reduction under Article 85:

• 7 years falls in the 5-to-10-year tier → 2/3 of the award
• Final ESB = SAR 54,000 × 2/3 = SAR 36,000

If the Qiwa calculator returns roughly SAR 36,000, the inputs are consistent. If it shows around SAR 54,000, it has treated your exit as a termination rather than a resignation — check the "reason for ending" field. If it shows far less than SAR 36,000, the most likely cause is that the salary figure on file is your basic pay only, not your total wage. Run the same numbers in our KSA EOSB Calculator to compare side by side.

When the Qiwa figure does not match your own calculation, it is almost always one of these four causes — not a flaw in the law, but a data or category mismatch:

1. The Salary on File Is Basic-Only

This is the most common gap. If your employer registered a low basic salary and large separate "allowances," and only the basic figure flows into the calculator, your award is understated. The award should be built on your last actual wage including fixed allowances. Check the salary the tool is using against your contract and bank deposits.

2. The Wrong Reason for Ending

Selecting "resignation" applies the Article 85 reduction; "termination," "contract expiry," "mutual agreement," or "force majeure" generally do not. If your separation was a non-renewal of a fixed-term contract, that is contract expiry, not resignation — and should not be reduced.

3. Service Dates and Partial Years

The tool uses the exact start and end dates on record. If those dates are off by weeks or months — or if a transfer within the same company reset your start date — your years of service, and therefore your tier and accrual, will be wrong.

4. It Is an Estimate, Not a Settlement

HRSD is explicit that the calculator runs automatically and the ministry is not responsible for the result. The official figure that matters is the one in your final settlement, cross-checked against the law. The calculator is a guide, not a binding determination.

If after these checks you still believe you have been underpaid, document the discrepancy and use our Settlement Checker to pinpoint where your figure and the employer's diverge, then follow the steps in our guide on how to claim your EOSB in KSA.

For the avoidance of doubt, the official government calculators are:

• Qiwa End of Service Reward Calculator — inside your Qiwa account at qiwa.sa, under "My current job" → "End of Service reward."
• HRSD End of Service Benefit Calculator — a public estimator on the Ministry of Human Resources and Social Development site at hrsd.gov.sa.

These are the primary, authoritative sources for an automated estimate and should always be one of your reference points. The value of an independent calculator like ours is to let you check the same inputs against the law transparently — showing the Article 84 accrual and any Article 85 reduction as separate, visible steps — so that if the official figure looks off, you can see why rather than just being handed a final number. Use both, and where they agree you can be confident; where they disagree, you have found a question worth asking before you sign your settlement.