حاسبة التأمينات الاجتماعية: GOSI deductions and the employer’s share in Saudi Arabia
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.حاسبة التأمينات الاجتماعية works out the GOSI contribution on a Saudi wage. A Saudi under the earlier law pays 9.75% of basic plus housing (9% pension, 0.75% SANED) and the employer 11.75%; under the 2024 law the pension share rises 0.5% every July to 11%. On SAR 10,000 the employee pays SAR 975 a month and the employer SAR 1,175.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator works out the monthly contributions to the General Organization for Social Insurance (GOSI) for a private-sector worker in Saudi Arabia, from the rates GOSI publishes.
The 2024 law. A Saudi who first joined GOSI on or after 3 July 2024 falls under the new Social Insurance Law. The pension rate starts at 9% each for worker and employer and rises by 0.5% every 1 July from 2025: 9.5%, then 10% from July 2026, 10.5% from July 2027 and 11% from July 2028. Workers who were registered before stay at 9%.
A worked example. A Saudi on SAR 8,000 basic and SAR 2,000 housing, registered before July 2024: 9.75% of SAR 10,000 is SAR 975 deducted a month; the employer pays 9% + 0.75% + 2% = SAR 1,175; SAR 2,150 goes to GOSI. The same worker under the new law from July 2026 pays SAR 1,075.
The rest of the article, and all 6 questions about Saudi GOSI Calculator (Employee and Employer), are on the Saudi GOSI Calculator (Employee and Employer) page.
A Saudi employee registered before 3 July 2024 pays 9.75% of basic pay plus housing: 9% for the pension and 0.75% for SANED. On SAR 10,000 that is SAR 975 a month. Under the 2024 law the pension share rises each July, so a new joiner pays 10.75% from July 2026.
For a Saudi under the earlier law the employer pays 11.75%: 9% pension, 0.75% SANED and 2% occupational hazards, or SAR 1,175 on a SAR 10,000 wage. For a non-Saudi the employer pays only the 2% hazards contribution, SAR 200 on the same wage.
No. Non-Saudi workers are covered only by the occupational hazards branch, and its 2% is paid entirely by the employer. Pension and SANED contributions apply to Saudi nationals, so nothing is deducted from an expatriate's salary for GOSI.
Saudis who first joined on or after 3 July 2024 start at 9% pension each for worker and employer. The rate rises by 0.5% every 1 July from 2025: 9.5%, 10% from July 2026, 10.5% from July 2027 and 11% from July 2028. SANED and hazards stay at 0.75% and 2%.
Rates and rules change; check the source before you rely on a figure.
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