Formula
What this military retirement calculator does
Estimates Saudi military retirement pension and lump sum based on three inputs: years of service, last basic monthly salary, and any rank-specific bonus. Eligibility starts at 18 years of service. Pension formula: salary × (years / 35), capped at 100%. The calculator also estimates the end-of-service lump sum payment. For ranks with specific multipliers (officers above colonel, special forces, etc.), this calculator is a general approximation; the official authority calculates exact amounts.
How the formula works
Pension ratio = years served / 35 (capped at 100% if 35+ years). Apply to last basic salary to get base pension. Add rank-specific bonus if applicable. The 35-year base reflects the assumption that a 35-year career earns the full 100% pension - shorter careers earn proportionally less. Last basic salary excludes housing, transport, food, and other allowances per standard military retirement rules. The 'tagweed' (تقعيد) determines exact salary used.
Eligibility and rules
Minimum 18 years of military service for early retirement (with reduced pension). 25 years for full standard retirement. Mandatory retirement age varies by rank: lower ranks 55, officers up to 62 (general ranks even later by ministerial decree). Combat duty in active operations may credit additional years (typically 1.5x). Disability retirement available at any service length with medical board certification. Survivor benefits (pension transfer to spouse/children) follow separate calculation rules administered by GAMR.
End-of-service lump sum
In addition to the monthly pension, military retirees receive a lump sum payment calculated based on years of service and last salary. The approximation here (last salary × min(years, 5)) is rough; actual amounts include rank-specific multipliers and special service period credits. The lump sum is typically paid within 60 to 90 days of retirement. Some retirees use it as down payment for housing, business capital, or investment seed - the Saudi Real Estate Development Fund (REDF) offers special terms for retired military personnel.
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