Human Resources
GOSI Calculator
Detailed GOSI breakdown for Saudis and non-Saudis
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Nationality
Contribution base
Total rate
Combined contribution total
Total employee deduction
Employee pension (9%)
Employee SANED (0.75%)
Total employee deduction
Total employer contribution
Employer pension (9%)
Employer SANED (0.75%)
Employer hazards (2%)
Total employer contribution
How does it work?
GOSI is the mandatory social-insurance contribution for private-sector workers in Saudi Arabia. It covers three branches: annuities (pension), unemployment insurance (SANED) and occupational hazards. Rates depend on nationality; for a Saudi registered before 3 July 2024 they add up to 21.5% of the contribution base.
GOSI line items
For a Saudi employee, the contribution splits across these branches:
- Pension branch: 9% employee + 9% employer = 18%.
- SANED (unemployment): 0.75% employee + 0.75% employer = 1.5%.
- Occupational hazards: 2% employer only (employee pays nothing).
- Saudi total: 9.75% employee + 11.75% employer = 21.5%.
- Anyone who joined from 3 July 2024 falls under the new law: the annuities rate rises half a point a year from 9% toward 11% on each side, the first rise on 1 July 2025. This calculator applies the continuing regime's rates.
Non-Saudi contributions
Non-Saudi residents pay 0% from their salary. The employer pays 2% only for occupational hazards, covering workplace injuries and occupational diseases.
Contribution base
The contribution base is the basic salary plus the cash housing allowance; transport and other allowances are excluded. The base is capped at SAR 45,000 a month.
Worked example
Saudi employee with SAR 8,000 basic + SAR 2,000 housing:
- Contribution base = 8,000 + 2,000 = SAR 10,000
- Employee pension (9%): SAR 900
- Employee SANED (0.75%): SAR 75
- Total employee deduction: SAR 975
- Employer pension (9%): SAR 900
- Employer SANED (0.75%): SAR 75
- Employer hazards (2%): SAR 200
- Total employer contribution: SAR 1,175
Frequently Asked Questions
What's the difference between GOSI and income tax?
GOSI is social insurance that returns to the employee at retirement or unemployment. Saudi Arabia has no personal income tax (corporate tax applies to certain entities only).
Is GOSI deducted from gross or just basic?
GOSI is calculated on basic + housing only, capped at SAR 45,000. Transport and other allowances are excluded from the base.
Do non-Saudis benefit from GOSI?
Non-Saudis pay nothing but are covered by the employer-paid occupational-hazards insurance (2%) for workplace injuries and occupational diseases.
How does a Saudi benefit from SANED?
SANED pays a Saudi employee a monthly stipend after losing their job, subject to qualifying conditions. The contribution is 0.75% from employee and 0.75% from employer.
What is the cap on the contribution base?
SAR 45,000 a month. Basic and housing above that amount are not subject to contributions.
Can my employer deduct GOSI from my salary?
Yes — the employer must withhold the employee's GOSI share from the monthly salary and remit it to GOSI alongside the employer's own share.
From the same drawer
Everything in Human Resources- Net Salary CalculatorCalculate your net salary after GOSI social-insurance deductions
- End of Service Gratuity CalculatorCalculate gratuity under Article 84 of the Saudi Labor Law
- Overtime Pay CalculatorCalculate overtime pay at 1.5× per Article 107
- Annual Leave Balance CalculatorCalculate annual leave balance under Article 109
- Housing & Transport Allowance CalculatorCompute housing and transport allowance by % or fixed amount
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