Saudi GOSI Calculator
See how much GOSI social insurance comes off your salary, what your employer pays, and your take-home pay.
The new-system pension rate goes up by 0.5 point each July until it reaches 11%.
Housing in kind counts as two months of basic salary a year (basic × 2 ÷ 12) in the contribution wage. It is not cash, so it is not in your take-home pay.
Not counted for GOSI, but added to your gross and take-home pay.
GCC nationals working in Saudi Arabia stay in their own country's pension scheme, and the employer pays it through GOSI. Rates differ by country, so enter yours.
Leave blank to use GOSI's limits: at most SAR 45,000 a month, and at least SAR 1,500 for Saudis or SAR 400 for non-Saudis.
| Branch | You | Employer |
|---|
Year by year: the new-system rate step-up on this salary
| From | Pension rate (each) | You pay a month | Employer a month | You pay a year |
|---|
For Saudis who first joined GOSI on or after 3 July 2024. Each step starts on 1 July. SANED and hazards stay the same.
How your GOSI is worked out
A percentage of basic salary plus housing, split between you and your employer.
- 1
Contribution wage
10,000 + 2,500
= SAR 12,500.00 - 2
You pay
12,500 × 9.75%
= SAR 1,218.75 - 3
Employer pays
12,500 × 11.75%
= SAR 1,468.75 - 4
Your take-home
12,500 − 1,218.75
= SAR 11,281.25
Read more: the formula, the rates, the new system and a worked example
GOSI (the General Organization for Social Insurance) collects social insurance on the contribution wage: basic salary plus housing allowance. Other allowances such as transport are left out. If your employer gives you housing instead of a cash allowance, it counts as two months of basic salary a year. The contribution wage is capped at SAR 45,000 a month and, for Saudis, never goes below SAR 1,500.
The formula
contribution wage = basic + housing (at most 45,000)
you pay = contribution wage × your rate
employer pays = contribution wage × employer rate
take-home = basic + all allowances − what you pay
The rates
| Branch | Saudi: you | Saudi: employer | Expat: you | Expat: employer |
|---|---|---|---|---|
| Annuities (pension) | 9% | 9% | 0% | 0% |
| SANED (unemployment) | 0.75% | 0.75% | 0% | 0% |
| Occupational hazards | 0% | 2% | 0% | 2% |
| Total | 9.75% | 11.75% | 0% | 2% |
Worked example
A Saudi in the old system earns a basic salary of SAR 10,000 and a housing allowance of SAR 2,500 a month. The contribution wage is 10,000 + 2,500 = SAR 12,500, which is under the SAR 45,000 cap.
- You pay 12,500 × 9% = SAR 1,125 for the pension and 12,500 × 0.75% = SAR 93.75 for SANED: SAR 1,218.75 a month.
- The employer pays SAR 1,125 + SAR 93.75 + 12,500 × 2% = SAR 250 for hazards: SAR 1,468.75 a month.
- Together that is SAR 2,687.50 a month to GOSI.
- Take-home pay is 12,500 − 1,218.75 = SAR 11,281.25, and you pay 1,218.75 × 12 = SAR 14,625 a year.
A non-Saudi on the same pay has nothing taken from the salary. The employer pays 12,500 × 2% = SAR 250 a month.
The new system (from 3 July 2024)
The new Social Insurance Law applies to Saudis who register with GOSI for the first time on or after 3 July 2024. People already in GOSI before then stay on the old rates. In the new system the pension rate for each side rises by 0.5 point every July:
| From | Pension rate (each side) | You pay in total | Employer pays in total |
|---|---|---|---|
| 3 July 2024 | 9% | 9.75% | 11.75% |
| 1 July 2025 | 9.5% | 10.25% | 12.25% |
| 1 July 2026 | 10% | 10.75% | 12.75% |
| 1 July 2027 | 10.5% | 11.25% | 13.25% |
| 1 July 2028 | 11% | 11.75% | 13.75% |
GCC nationals
Citizens of other GCC countries (the UAE, Kuwait, Bahrain, Oman and Qatar) working in Saudi Arabia stay in their home country's pension scheme under the GCC extension of insurance protection. The employer pays the home-country contributions through GOSI. Rates differ by country, so enter them in Advanced mode.
For your end-of-service award, see the Saudi end-of-service calculator.
Rates and limits from GOSI (gosi.gov.sa). This is an estimate for general information. Your employer's payroll and GOSI's own records decide the exact amount, so check your GOSI statement in the Taminaty app before relying on it.
Common questions
How much GOSI is deducted from salary in Saudi Arabia?
For Saudi nationals in the old system, 9.75% of basic salary plus housing allowance comes off the salary: 9% for annuities (pension) and 0.75% for SANED. The employer adds 11.75%. On SAR 10,000 basic and SAR 2,500 housing, you pay SAR 1,218.75 a month and the employer pays SAR 1,468.75.
Do expats pay GOSI in Saudi Arabia?
No. For non-Saudi workers nothing is taken from the salary. The employer pays 2% of basic salary plus housing for occupational hazards, which covers work injuries and work-related illness. Expats do not pay into the pension or SANED, and get an end-of-service award under the Labor Law instead.
What salary is GOSI calculated on?
GOSI uses the contribution wage: basic salary plus housing allowance. Transport and other allowances are left out. If your employer gives you housing instead of a cash allowance, it counts as two months of basic salary a year. The contribution wage is capped at SAR 45,000 a month, and for Saudis it is never below SAR 1,500.
What changed in the new GOSI law from July 2024?
Under the new Social Insurance Law, Saudis who join GOSI for the first time on or after 3 July 2024 start at the same 9% annuity rate, but it rises by 0.5 point for both employee and employer every July from 2025 until it reaches 11% in July 2028. People already in GOSI before 3 July 2024 stay on 9%.
What is SANED and how much is it?
SANED is the unemployment insurance for Saudi nationals. It pays a monthly benefit for a time if you lose your job. It costs 0.75% of the contribution wage from you and another 0.75% from your employer, so 1.5% in total. It does not apply to expats.
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