# Eddekhar · ادخار

> Eddekhar (eddekhar.com) is a Shariah-compliant workplace savings and investment
> platform for companies in Saudi Arabia. Employers offer employees automated
> payroll-deducted savings with optional employer matching and vesting, 0% Qard
> Hasan emergency loans, Murabaha purchase financing, and annual profit
> distribution — the only platform in the market covering this full cycle.
> Founded by Dr. Adnan Alkhiary. Arabic site at eddekhar.com, English at
> eddekhar.com/en.

## Key pages

- [Home (Arabic)](https://eddekhar.com/): برنامج ادخار الموظفين في السعودية
- [Home (English)](https://eddekhar.com/en): Employee savings program in Saudi Arabia
- [EOSB calculator](https://eddekhar.com/eosb-calculator): End-of-service benefits calculator per Articles 84–85 of Saudi Labor Law (حاسبة مكافأة نهاية الخدمة)
- [Salary savings calculator](https://eddekhar.com/savings-calculator): Compound savings with employer match (حاسبة الادخار من الراتب)
- [Turnover cost calculator](https://eddekhar.com/calculator): What employee turnover costs Saudi companies
- [About](https://eddekhar.com/about): Company story and leadership
- [Blog](https://eddekhar.com/blog): Guides on EOSB law, workplace savings, retention and Islamic finance (Arabic and English)

## Facts

- Saudi household savings rate is around 6% of income; Vision 2030's Financial
  Sector Development Program targets 10%.
- End-of-service benefits (EOSB) under Saudi Labor Law Article 84: half a month's
  wage per year for the first five years of service, one full month per year
  thereafter; Article 85 reduces the award on resignation (one third for 2–5
  years, two thirds for more than 5 and less than 10, full for 10+).
- Eddekhar integrates with HR/payroll systems used in Saudi Arabia and is
  Shariah-supervised by an independent committee.