A surface-coated cutting tool comprising: a cutting tool body made of any of tungsten carbide-based cemented carbide, titanium carbonitride-based cermet, a cubic boron nitride-based sintered material, and high-speed tool steel; and a hard coating layer that is provided on a surface of the cutting tool body, wherein (a) the hard coating layer includes at least a complex nitride layer of Al, Cr, Si, and Cu, (b) the complex nitride layer of Al, Cr, Si, and Cu includes a main phase, and CrSi-rich particles and Al-rich particles that are dispersed in the main phase, in a case where each of compositions of the main phase, the CrSi-rich particles, and the Al-rich particles are represented by a composition formula: (Al 1-α-β-γ Cr α Si β Cu γ) 1-x N x, where each of α, β, γ, and x represents an atomic ratio, (c) a composition of the main phase satisfies 0.15≤α≤0.40, 0.05≤β≤0.20, 0.005≤γ≤0.05, and 0.45≤x≤0.60, (d) a composition of the CrSi-rich particles satisfy 0.20≤α≤0.55, 0.20≤β≤0.55, 0≤γ≤0.10, and 0.02≤x≤0.35, (e) a composition of the Al-rich particles satisfy 0.10≤α≤0.25, 0.05≤β≤0.25, 0≤γ≤0.10, and 0.02≤x≤0.35, and (f) in a case where a vertical section of the complex nitride layer of Al, Cr, Si, and Cu is observed, an occupancy area ratio of the CrSi-rich particles having a major axis of 100 nm or more in the vertical section is 0.20 area% or more and 2.0 area% or less; and an occupancy area ratio of the Al-rich particles having a major axis of 100 nm or more in the vertical section is 0.50 area% or more and 3.0 area% or less, wherein the occupancy area ratio of the CrSi-rich particles and the occupancy area ratio of the Al-rich particles are measured in a manner that, in a transition electron microscopy energy-dispersive X-ray spectroscopy TEM-EDS mapping image in which each of the particles is imaged, a boundary between a particle and the main phase is specified to select an outer circumferential portion of the particles using a mapping image in which the nitrogen content is analyzed, and the area surrounding the particles is calculated using image analyzing software, thereby calculating the occupancy area ratio of the particles, and wherein the major axis of the CrSi-rich particles and the Al-rich particles is the longest length of each of the particles measured in a direction parallel to the surface of the cutting tool body. (a) the hard coating layer includes at least a complex nitride layer of Al, Cr, Si, and Cu, (b) the complex nitride layer of Al, Cr, Si, and Cu includes a main phase, and CrSi-rich particles and Al-rich particles that are dispersed in the main phase, in a case where each of compositions of the main phase, the CrSi-rich particles, and the Al-rich particles are represented by a composition formula: (Al 1-α-β-γ Cr α Si β Cu γ) 1-x N x, where each of α, β, γ, and x represents an atomic ratio, (c) a composition of the main phase satisfies 0.15≤α≤0.40, 0.05≤β≤0.20, 0.005≤γ≤0.05, and 0.45≤x≤0.60, (d) a composition of the CrSi-rich particles satisfy 0.20≤α≤0.55, 0.20≤β≤0.55, 0≤γ≤0.10, and 0.02≤x≤0.35, (e) a composition of the Al-rich particles satisfy 0.10≤α≤0.25, 0.05≤β≤0.25, 0≤γ≤0.10, and 0.02≤x≤0.35, and (f) in a case where a vertical section of the complex nitride layer of Al, Cr, Si, and Cu is observed, an occupancy area ratio of the CrSi-rich particles having a major axis of 100 nm or more in the vertical section is 0.20 area% or more and 2.0 area% or less; and an occupancy area ratio of the Al-rich particles having a major axis of 100 nm or more in the vertical section is 0.50 area% or more and 3.0 area% or less, wherein the occupancy area ratio of the CrSi-rich particles and the occupancy area ratio of the Al-rich particles are measured in a manner that, in a transition electron microscopy energy-dispersive X-ray spectroscopy TEM-EDS mapping image in which each of the particles is imaged, a boundary between a particle and the main phase is specified to select an outer circumferential portion of the particles using a mapping image in which the nitrogen content is analyzed, and the area surrounding the particles is calculated using image analyzing software, thereby calculating the occupancy area ratio of the particles, and wherein the major axis of the CrSi-rich particles and the Al-rich particles is the longest length of each of the particles measured in a direction parallel to the surface of the cutting tool body.