GOSI Bahrain calculator: the SIO deduction and employer’s share on a wage in Bahrain
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 20 Oct 2026.Bahrain’s social insurance, still often called GOSI, is now run by the Social Insurance Organization (SIO). A Bahraini private-sector employee pays 8% of the wage: 7% for the pension and 1% for unemployment insurance. The employer pays 15% for the pension in 2026, rising to 17%, plus 3% for work injuries. On BHD 800 that is BHD 64 deducted and BHD 144 from the employer.
2026 · Rates and rules read from the sources listed on this page (the earliest on 20 Oct 2026); they may have changed since.
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This calculator works out the monthly social insurance contributions paid to Bahrain's Social Insurance Organization (SIO) for a private-sector worker, from the laws as published by the Legislation and Legal Opinion Commission, read on 20 Oct 2026. The SIO's own site did not answer that day. The rates may have changed since.
Why 15%. Law 14/2022 started the employer's pension share at 11% in April 2022 and raises it by 1% a year to 17%, without naming the month of each step. Whether the steps fall each January or on the April anniversary, the rate from April to December 2026 is 15%. The next step, to 16%, comes in January or April 2027.
The ceiling. The Social Insurance Law caps the wage at BHD 4,000 a month. The calculator applies it to the pension and injury contributions; the unemployment and end-of-service texts work on the wage without repeating the cap.
The rest of the article, and all 6 questions about Bahrain SIO Contributions Calculator, are on the Bahrain SIO Contributions Calculator page.
For a Bahraini, the employer pays 15% of the wage for the pension and 3% for work injuries, 18% in all, or BHD 144 on BHD 800. The employer's 1% unemployment share is paid by the Labour Fund for private-sector workers, and the government adds another 1%.
An expatriate in the private sector pays 1% of the wage for unemployment insurance. The employer pays 3% for work injuries and the end-of-service contribution: 4.2% of the wage in the first three years with that employer and 8.4% after. Non-Bahrainis are not in the pension branch.
Article 17 of the Social Insurance Law caps the monthly wage subject to contribution at BHD 4,000. Above that the pension and work-injury contributions stay at their BHD 4,000 amounts. The unemployment decree and the end-of-service system work on the wage without repeating the cap, so the calculator applies them to the full wage.
The SIO uses the wage your employer registered, which can differ from this month's pay. Workers who joined or left during the month, GCC nationals, government employees and people first registered after Decree-Law 44/2026, whose base is a Cabinet-set minimum wage, follow rules this calculator leaves out.
Rates and rules change; check the source before you rely on a figure.
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