Calculate exact GOSI deductions and net salary for Saudi nationals and expats — updated for the SAR 45,000 contributory wage cap and new 2026 rates.
احسب استقطاعات التأمينات الاجتماعية والراتب الصافي للسعوديين (9.75%) والمقيمين.
| Component | Employee Pays | Employer Pays | Notes |
|---|---|---|---|
| Pension / Retirement | 9% | 9% | Saudi nationals only |
| SANED (Unemployment) | 0.75% | 0.75% | Saudi nationals only |
| Occupational Hazards | 0% | 2% | All employees incl. expats |
| Total (Saudi national) | 9.75% | 11.75% | Old law (pre-July 3, 2024) |
| Total (Expat) | 0% | 2% | Occ. hazards only |
| Contributory Wage Cap | SAR 45,000/month (basic + housing) | ||
Included: Basic salary + Housing allowance
Excluded: Transport, phone, bonuses, overtime, annual leave encashment, EOSB, performance pay
Employees registered after July 3, 2024 are subject to progressively increasing GOSI rates: 22.5% total (as of 2026), rising to 24% by July 2028. Use the toggle above to select your employment date for the correct calculation.
No. Expatriate employees pay zero GOSI from their salary. Their employer pays 2% of the contributory wage (basic + housing, capped at SAR 45,000) for occupational hazards insurance only. Expats are not eligible for Saudi pension or SANED unemployment benefits.
The General Organization for Social Insurance (GOSI) is a vital component of the Saudi employment framework. This calculator helps both Saudi nationals and expatriates understand their GOSI contributions. For Saudis, it breaks down the pension and Saned (unemployment) deductions, while for expats, it calculates the mandatory occupational hazard contributions. Staying compliant with GOSI is essential for wage protection and lawful employment in the Kingdom.