The GOSI annuities and SANED contribution a Saudi employee pays each month
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 29 Sept 2026.A Saudi employee in the private sector pays 9% of the contributory wage to the GOSI annuities branch and 0.75% to SANED unemployment insurance, 9.75% in all, on basic pay plus housing allowance up to SAR 45,000 a month. Enter your salary to see the monthly and yearly deduction.
SAR 162,450
SAR 13,538 a month, over 12 monthsAn estimate of what the law deducts, not financial advice.
| Out of SAR 180,000 | A year | A month | Share |
|---|---|---|---|
| Income taxSaudi Arabia has no personal income tax on salary. | SAR 0.00 | SAR 0.00 | 0% |
| GOSI annuities (pension)9% of a contributory wage of SAR 15,000 a month (basic plus housing, at most SAR 45,000). | SAR 16,200.00 | SAR 1,350.00 | 9% |
| SANED unemployment insurance0.75% of the same contributory wage. | SAR 1,350.00 | SAR 112.50 | 0.75% |
| Take-home pay | SAR 162,450.00 | SAR 13,537.50 | 90.25% |
2026 · Rates and rules read from the sources listed on this page (the earliest on 29 Sept 2026); they may have changed since.
"Saudi national" is already selected under "Nationality".
Type your "Total salary a year" in SAR.
Set "Basic plus housing, share of gross", and change "GOSI annuities rate" if your GOSI statement shows another rate.
Read "GOSI a year" and open the "Line by line" tab for the monthly annuities and SANED amounts.
If you first joined under the 2024 law, enter the rate on your GOSI statement.
Saudi Arabia does not tax employees' salaries. This calculator shows the deductions the law does make, so a Saudi salary can be compared fairly with pay in other countries.
Expatriates. Nothing is deducted. The GOSI annuities branch and SANED unemployment insurance cover Saudi nationals only. Expatriates are covered by the occupational hazards branch, but its 2% contribution is paid entirely by the employer. The end-of-service award owed under the Labour Law is also an employer cost, paid when the contract ends.
Saudi nationals. GOSI takes two contributions from the contributory wage, which is basic pay plus housing allowance, not the other allowances. The annuities (pension) branch costs the employee 9%, matched by 9% from the employer, and SANED costs 0.75% from each side, 9.75% for the employee in all. The contributory wage is capped at SAR 45,000 a month, so above that the deduction stops rising.
The rest of the article, and all 6 questions about Saudi Salary Tax Calculator 2026, are on the Saudi Salary Tax Calculator 2026 page.
The employee pays 9% to the annuities branch and 0.75% to SANED unemployment insurance, 9.75% of the contributory wage. The employer pays the same 9% and 0.75% plus 2% for occupational hazards. The contributory wage is basic pay plus housing allowance, up to SAR 45,000 a month, with a SAR 1,500 minimum for the annuities branch.
Not from their salary. The annuities branch and SANED apply to Saudi nationals only. Expatriates are covered by the occupational hazards branch, whose 2% contribution the employer pays in full, so an expatriate employee's GOSI deduction is zero according to the GOSI contributor rules.
SANED is the unemployment insurance scheme run by GOSI. It is compulsory for Saudi nationals covered by the annuities branch and stops at age 60. The subscription is 1.5% of the contributory wage, split equally: 0.75% from the employee and 0.75% from the employer. It pays compensation for a limited period after an involuntary job loss.
A new Social Insurance Law applies to Saudis who first joined on or after 3 July 2024, while existing contributors stay under the previous law. The new law raises the annuities rate step by step. The schedule could not be verified on a GOSI page, so the calculator asks for the rate on your GOSI statement.
Rates and rules change; check the source before you rely on a figure.
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