Find your best investment route in Saudi Arabia

Every figure is anchored to REGA, ZATCA, and MISA — not broker estimates or market averages. Where a figure isn't yet officially confirmed, we say so directly rather than presenting an estimate as settled fact.

No. SAKK.AI is not a licensed financial advisor or brokerage. This is a planning tool — always confirm final numbers with a REGA-licensed agent and a qualified legal adviser before making an investment decision.

REGA has confirmed the 2% disposal fee rate. The exact calculation basis (purchase price vs. exit value) hasn't yet been published in the official gazette — we show our best-supported interpretation and flag it clearly rather than presenting it as settled.

Using your inputs — budget, city, holding period, financing structure — run through the same server-side financial model for every user, anchored to real REGA transaction data and current KSA tax treatment. Nothing is templated or approximated client-side.

No — anyone can run a Tier 1 calculation instantly, no sign-up required. An account is only needed to save results or unlock deeper analysis.

Free gives you net yield, route match, and total acquisition cost. Investor ($79/mo) adds full IRR/NPV, sensitivity analysis, and a saved brief that updates automatically. Professional ($349/mo) adds Monte Carlo simulation, custom assumption overrides, and natural-language "What If?" scenario testing.

Yes, with an Investor or Professional account — your brief updates automatically if REGA data or yields change, so it never goes stale.

SAR and USD, with live FX conversion — legal and regulatory figures (fees, thresholds) always stay pegged to their statutory SAR value, never floating with the exchange rate.

Direct Ownership is buying real property outright — full control, subject to zone and city eligibility rules. Tadawul shares give real-estate market exposure through the stock exchange — no property ownership restrictions, more liquidity, less control, and not subject to property-specific taxes like RETT or the disposal fee. Premium Residency includes a specific "Real Estate Owner" track, which grants residency rights in exchange for an unmortgaged property worth at least 4,000,000 SAR — property is the qualifying asset on this route, not an optional extra.

No — Royal Decree M/14 restricts foreign ownership in Islam's two holiest cities to Muslim individuals, and even then, only within REGA's specifically designated zones — 12 named zones in Makkah, 10 in Madinah, not the cities as a whole. The calculator checks your religion and city selection automatically and flags it if it affects your eligibility.

Depends on your goal. Want a physical asset and rental income? Direct Ownership. Want market exposure with more liquidity and no city restrictions? Tadawul. Want residency rights specifically, with a qualifying property as your route in? Premium Residency's Real Estate Owner track. Run your numbers against all three — that's what the calculator's for.

For physical property (Direct Ownership and Premium Residency's Real Estate Owner track): RETT (5%) applies once on purchase, and a disposal fee (2%, in Riyadh, Jeddah, Makkah, and Madinah) applies on exit. Rental income and capital gains are untaxed for individual investors either way (ZATCA-confirmed). Tadawul share investments are not subject to RETT or the disposal fee — they carry standard stock-market transaction costs instead.

Yes — the foreign ownership framework under Royal Decree M/14 has been in force since January 2026. Rules vary by city and zone; the calculator checks your specific eligibility.

The Real Estate General Authority — Saudi Arabia's government regulator for the property market. It's the primary source for zone eligibility and ownership rules, and — via SAKK.AI's own calculation — the source for transaction-derived yield data.