Saudi Arabia GOSI Contribution Calculator

GOSI (the General Organization for Social Insurance) is Saudi Arabia's social insurance scheme, funding pension/annuities and unemployment insurance (SANED) for Saudi nationals, plus occupational hazards insurance for every employee, national or expatriate. Saudi nationals pay into it directly through a payroll deduction; expatriates don't have a personal deduction, but their employer still pays a smaller employer-only contribution on their behalf for workplace injury cover.

For Saudi nationals: employee pays 9.75% of contributable wage, employer pays 11.75% (roughly 9% pension/annuities, 2% occupational hazards, 0.75% SANED unemployment insurance), a combined 21.5%. For expatriates: employee pays 0%, employer pays 2% (occupational hazards only, no pension or SANED coverage since those schemes don't extend to non-Saudi employees). These are the pre-3-July-2024 registration rates, which still cover the majority of the current workforce.

Basic salary plus housing allowance only. Transport allowance, one-off bonuses, and other benefits are excluded from the GOSI calculation entirely, even if they're a meaningful part of your total package. This is a common point of confusion: your GOSI deduction (or your employer's GOSI cost) is calculated on a narrower base than your full gross salary.

Yes. Contributable wage is capped at SAR 45,000/month. If your basic salary plus housing allowance exceeds that, GOSI is calculated on the SAR 45,000 ceiling, not your full basic-plus-housing figure, so contributions (and the corresponding employer cost) stop scaling up beyond that point.

No, deliberately not. GOSI and end-of-service benefit are two completely separate systems under Saudi law. GOSI is an ongoing payroll contribution (or employer-only cost for expatriates) funding pension and unemployment insurance. EOSB is a different, uncapped lump sum your employer pays when you leave, calculated from your wage and years of service under Labor Law Article 84/85, and it isn't affected by GOSI at all. Use our dedicated Saudi Arabia GOSI & EOSB Calculator for that lump-sum figure.

Yes, this is worth being aware of. Under the New Social Insurance Law, employees registered from 3 July 2024 onward sit on a different, higher combined rate that phases in gradually and is set to reach 24% total by around mid-2028. This calculator uses the pre-3-July-2024 track since it still covers most of the existing workforce; if you were hired recently, confirm your exact registration track with GOSI or your HR/payroll team, since your real rate may already be higher than the figures shown here.

GOSI registration follows your employment contract and work location under Saudi labour regulations, not simply your nationality. If you're formally employed and registered under a Saudi entity, the expatriate GOSI rules (0% employee, 2% employer) generally apply regardless of remote arrangements, but edge cases around secondment, dual employment, and cross-border contracts are common enough that you should confirm your specific registration status with HR or GOSI directly rather than assuming from this calculator alone.