Saudi GOSI Calculator 2026
Estimate GOSI contributions and net salary for Saudi and non-Saudi employees in Saudi Arabia.
| Gross salary | — |
|---|---|
| Employee contribution | — |
| Net salary (take-home) | — |
| Employer contribution (paid by company) | — |
In short
GOSI contributions for Saudi employees are 9.75% from the employee (9% pension + 0.75% SANED) and 11.75% from the employer (9% + 0.75% + 2% occupational hazards). For non-Saudi employees only the employer's 2% occupational-hazard contribution applies.
Who this is for: Employees and employers in Saudi Arabia checking GOSI deductions and net salary.
How GOSI contributions work
The General Organization for Social Insurance (GOSI) requires monthly contributions from both employer and employee, calculated as a percentage of contributable salary (typically basic salary plus housing allowance, subject to a contribution ceiling).
Saudi nationals contribute to both pension (annuities) and unemployment insurance (SANED); their employer matches the pension contribution and also pays SANED and occupational hazard insurance.
Non-Saudi employees currently only have occupational hazard insurance paid by the employer — there is no employee or employer pension/SANED contribution for expatriate staff under current rules.
See also: Saudi End of Service Calculator (EOSB), Saudi Iqama Renewal & Expat Levy Calculator.
Assumptions
- Saudi employees: 9% pension + 0.75% SANED from the employee; employer pays the same plus 2% occupational hazards.
- Non-Saudi employees: only the employer's 2% occupational-hazard contribution.
- Contribution ceilings and phased rate changes are not applied.
Worked example
Employee contribution: 9.75% × 10,000 = SAR 975
Net salary = 10,000 − 975 = SAR 9,025
Employer contribution: 11.75% × 10,000 = SAR 1,175 (paid by the company, not deducted from the employee)
Frequently asked questions
Do expat employees pay GOSI?
Under current rules, non-Saudi employees do not contribute to pension or SANED — only the employer pays occupational hazard insurance on their behalf.
What salary is GOSI calculated on?
Typically basic salary plus housing allowance, up to a contribution ceiling set by GOSI. Other allowances are usually excluded — confirm the exact contributable salary definition for your case.
What is SANED?
SANED is Saudi Arabia's unemployment insurance scheme, funded by a small employee and employer contribution, which can pay benefits if a Saudi employee loses their job involuntarily.
Is there a salary ceiling for GOSI?
Yes — contributions are calculated on wage up to a ceiling set by GOSI (historically SAR 45,000 per month); this calculator does not apply the ceiling.
Do expats get anything back from GOSI?
Non-Saudis are covered only by the occupational-hazards branch, so there is no pension refund; they may receive compensation for a work injury.
People also ask
What is the GOSI contribution rate for 2026?
Saudi employees 9.75% (9% pension + 0.75% SANED) and employers 11.75% plus 2% occupational hazard; expats: employer 2% only. New entrants after July 2024 face gradually rising rates under the 2024 law.
What salary is GOSI calculated on?
Basic salary plus housing allowance, with a floor of SAR 1,500 and a ceiling of SAR 45,000 a month.
At what age can Saudis retire with GOSI?
58 under the old system; the 2024 law raises it in steps to 65 for those who joined after July 2024, with early retirement from 55 at reduced rates.
How is the GOSI pension calculated?
2.5% of the average contributory wage over the last two years for each year of contributions, up to 100% — 25 years gives 62.5%.
What is SANED?
The unemployment insurance scheme funded by 0.75% each from employee and employer, paying 60% of wage for three months then 50% for up to 12 months after involuntary job loss.
Can expats get a GOSI refund?
No pension contributions are made for expats, so there is nothing to refund; the 2% hazard premium is an employer cost.
How do I check my GOSI contributions?
Through the GOSI app or portal with your Nafath login — it lists every month of wage and contribution reported by employers.
Does housing allowance count for GOSI?
Yes — the contributory wage is basic plus housing allowance (or 25% of basic where housing is provided in kind).
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