Monthly Investment Calculator — Saudi Arabia
See how a monthly investment grows over time at Saudi Arabia's historical returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero (up to 50 years) to see results.
Where to invest in Saudi Arabia
Tadawul TASI long-term ≈ 9–11%. Shariah-screened indexes popular. Al Rajhi Capital, SNB Capital are major asset managers.
Returns are long-term historical averages, not guarantees - markets fall as well as rise. Invest for the long term and diversify.
The power of compounding
Investing SAR 2,000 per month for 15 years at 7% p.a.:
- Future value: SAR 637,622
- Total invested: SAR 360,000
- Estimated gains: SAR 277,622
That is roughly 1.8× your money - most of it from compounding. Scale the SAR 2,000 to your own monthly amount, and remember that starting earlier matters more than investing more.
How to start - and stay - invested in Saudi Arabia
- Automate a fixed monthly amount so you invest through good months and bad.
- Start small; you can raise the amount as your income grows.
- Favour low-cost, diversified funds over picking individual stocks.
- Stay invested through market dips - time in the market beats timing the market.
A real-data rate check: long-term returns in Saudi Arabia (2026)
The 10% annual return used previously by this calculator is higher than what diversified Saudi equity exposure has actually delivered. The iShares MSCI Saudi Arabia ETF (KSA) reported an average annual (NAV) return of 7.69% over the trailing 10 years and 6.32% since its September 2015 inception, as of its factsheet dated 30 June 2026. Its trailing 5-year annualized NAV return was just 1.40%, reflecting a difficult stretch for Saudi equities.
Looking at the benchmark itself, the Saudi Exchange's own 2025 Annual Statistical Report shows the Tadawul All Share Index (TASI) closed 2025 at 10,490.69 points, down 12.84% for the year, versus 6,911.76 points at end-2015 — a compound annual growth rate of roughly 4.3% over that ten-year window (before dividends). Including reinvested dividends, long-run TASI total returns have historically landed closer to 6–8% per year. A 7% annual rate is a more defensible planning assumption than 10% for a diversified Saudi equity SIP.
A more realistic example: investing SAR 2,000 per month for 18 years at 7% annual return (compounded monthly) would grow to approximately SAR 866,000, built from SAR 432,000 in total contributions and roughly SAR 434,000 in investment growth.
Frequently Asked Questions
How does a monthly investment work in Saudi Arabia?
You invest a fixed amount each month into funds or an index. You buy more units when prices are low and fewer when high (cost averaging), and returns compound over time.
What return can I expect in Saudi Arabia?
Long-term historical equity returns are around 7% per year here, though any single year can be sharply up or down. Tadawul TASI long-term ≈ 9–11%. Shariah-screened indexes popular. Al Rajhi Capital, SNB Capital are major asset managers.
How much do I need to start investing in Saudi Arabia?
Most platforms let you start small and increase later. Setting up an automatic monthly investment builds discipline and smooths out market timing.
Should I invest a lump sum or monthly in Saudi Arabia?
Investing monthly spreads your entry across market ups and downs (cost averaging) and is easier to budget. A lump sum can do better in a steadily rising market but carries more timing risk.
Is investing better than a fixed deposit in Saudi Arabia?
Investing targets higher long-term growth but carries market risk; fixed deposits are safer but usually return less. Many people hold both, matched to their time horizon.
Are investment gains taxed in Saudi Arabia?
Saudi Arabia levies no personal income tax, so investment gains earned by individuals are not subject to income tax (Saudi/GCC nationals pay Zakat on wealth instead, administered by ZATCA).
Is 10% a realistic annual return assumption for a Saudi Arabia SIP?
Not really. The iShares MSCI Saudi Arabia ETF (KSA) reported a 10-year average annual NAV return of 7.69% (factsheet dated 30 June 2026), and the Saudi Exchange's own data shows TASI grew from 6,911.76 (end-2015) to 10,490.69 (end-2025), a roughly 4.3% price CAGR before dividends. A 6-8% assumption is more defensible than 10% for long-term planning.
What has the Tadawul All Share Index (TASI) actually returned recently?
According to the Saudi Exchange's 2025 Annual Statistical Report, TASI fell 12.84% in 2025, closing at 10,490.69 points versus 12,036.50 at the end of 2024, showing that even diversified Saudi equity benchmarks can post sharp annual declines.
Should I use TASI or an MSCI Saudi Arabia fund's return for my SIP estimate?
Either can work as a reference point, but a fund's disclosed NAV return (like the iShares KSA ETF's 7.69% 10-year figure) already reflects fund fees and dividend reinvestment, while a raw index price return (like TASI's) typically does not include dividends.
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Sources
Return assumptions and rates are compiled from each country's central-bank publications, recognized market-index data and the typical offerings of major providers, reviewed for 2026 and subject to change. Returns are long-term historical averages, not guarantees. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
iShares MSCI Saudi Arabia ETF (KSA) Fund Fact Sheet, BlackRock/iShares (30 June 2026): 10-year and since-inception average annual NAV returns. Saudi Exchange (Tadawul) 2025 Annual Statistical Report: TASI year-end closing levels, 2015-2025. See our methodology and editorial policy for how we source and update this data.