GOSI Calculator: Saudi Social Insurance Contributions

Free GOSI calculator for 2026: Saudi social insurance contributions of employee and employer, pension, SANED and occupational hazards, old and new law.

Employee deduction per month
β€”Pension, employee
β€”SANED unemployment, employee
β€”Employer contributions
β€”Total to GOSI
β€”Basic and housing after GOSI

Social Insurance Law (Royal Decree M/273, in force from 3 July 2024) and the previous law: contribution wage = basic salary + housing, up to 45,000 riyals a month.

Also: Saudi End of Service Calculator (EOSB) Β· UAE Gratuity Calculator: End of Service Benefits Β· Zakat Calculator: Nisab and Zakat on Wealth Β· Salary Calculator

What it does

In Saudi Arabia the General Organization for Social Insurance (GOSI) collects contributions on the basic salary plus the housing allowance, up to 45,000 riyals a month. Saudi employees pay their share of the pension contribution and 0.75% for SANED unemployment insurance; the employer pays the same plus 2% for occupational hazards. For those who joined from 3 July 2024 the pension rate rises every year from 18% to 22%. For non-Saudi workers only the employer pays, the 2% for occupational hazards.

How to use it

  1. Type your basic monthly salary and housing allowance.
  2. Choose your nationality and, for Saudis, when you joined social insurance and the month.
  3. See the employee and employer contributions and what is left of the salary.

The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.

Frequently asked questions

How much is deducted from a Saudi salary for GOSI?
Under the old system 9.75%: 9% for the pension and 0.75% for SANED. With a basic salary of 8,000 and housing of 2,000 riyals that is 975 riyals a month, and the employer pays 1,175.

What changed with the new Social Insurance Law?
For Saudis who joined from 3 July 2024 the pension contribution rises by one point a year, from 18% to 22%, split equally. In November 2026 it is 20%: 10% for the employee and 10% for the employer.

Do non-Saudis pay GOSI?
No deduction is made from the salary of a non-Saudi worker. The employer pays 2% of the contribution wage for occupational hazards insurance.

Which salary counts for GOSI?
The basic salary plus the cash housing allowance, up to 45,000 riyals a month. Transport and other allowances do not count.