Top 15 Free Accounting Tools for Saudi Business Owners in 2026

Running a business in Saudi Arabia in 2026 means juggling ZATCA compliance, VAT calculations, payroll, quotations, receipts, and endless documentation. The good news: you don't need to pay for expensive software to handle it all. Here are the 15 best free tools every Saudi business owner should bookmark.

1. Free Invoice Generator

Create professional VAT-compliant PDF invoices in 60 seconds. Bilingual (Arabic/English), customizable, no signup. Try it here.

2. Free Quotation Generator

Send professional quotes with validity dates, terms, and VAT breakdown. Convert to PDF instantly. Try it here.

3. Receipt Voucher (سند قبض)

Document every incoming payment with a proper receipt voucher — amount in figures and words, payment method, purpose. Generate here.

4. Payment Voucher (سند صرف)

Track outgoing payments to suppliers, staff, or vendors with proper documentation. Generate here.

5. VAT Calculator (15%)

Calculate Saudi VAT — inclusive or exclusive. Perfect for pricing and invoicing. Calculate here.

6. Salary Calculator

Compute net salary after GOSI, SANED, and allowances. Both Saudi and non-Saudi rules supported. Calculate here.

7. End of Service Calculator

Automatically apply Saudi Labor Law to compute gratuity for resignation or termination. Calculate here.

8. GOSI Calculator

Compute employer and employee shares for social insurance contributions. Calculate here.

9. Profit Margin Calculator

Understand true profitability with instant margin, markup, and profit calculations. Calculate here.

10. Percentage Calculator

The all-purpose percentage tool — increases, decreases, differences, percentages of numbers. Try it here.

11. Zakat Calculator

Calculate zakat on cash, gold, silver, and investments — Islamic compliant. Calculate here.

12. Loan & Installment Calculator

Get monthly installment, total interest, and full amortization schedule for any loan. Calculate here.

13. Hijri-Gregorian Converter

Convert dates both directions, plus calculate age in Hijri years. Uses Umm Al-Qura calendar. Convert here.

14. QR Code Generator

Create QR codes for WiFi, WhatsApp, URLs, vCards, and more. Custom colors, high-res PNG. Generate here.

15. Barcode Generator

EAN-13, UPC-A, CODE128 barcodes for internal inventory tracking. Generate here.

When to Move to a Full System

These free tools are great for occasional use, but when you find yourself:

• Generating 10+ invoices a month
• Wanting to track customer payment history
• Needing to link vouchers to accounts
• Producing tax reports for ZATCA
• Managing more than 3 employees

...it's time to upgrade to a proper cloud accounting system.

Try Daqiq — The Full Cloud Accounting System

Daqiq handles everything above plus:

• ZATCA-compliant e-invoicing with QR codes
• POS + inventory management
• Multi-branch support
• Payroll automation
• Financial reports (P&L, balance sheet, cash flow)
• Multi-user with permissions

14-day free trial, no credit card required.