Tools · Saudi Arabia
Saudi GOSI Calculator
Work out the GOSI contribution on a Saudi salary, for both sides, and see how differently the scheme treats Saudi nationals and expatriates.
- Contributory wageBasic + housingSAR 25,000
- Employee contributionNon-Saudi employees contribute nothingSAR 0.00
- Employer contribution2% occupational hazards onlySAR 500.00
- Total to GOSISAR 500.00
Rules as at 30 October 2026 · what this assumes
- Contributions are charged on basic salary plus housing, paid or in kind, capped at SAR 45,000 a month.
- Saudi nationals: employee 9.75% (9% pension and 0.75% SANED unemployment insurance); employer 11.75% (9% pension, 0.75% SANED and 2% occupational hazards).
- Non-Saudi employees have no GOSI deducted from salary. The employer pays a 2% occupational hazards contribution, which is an employer cost rather than a deduction from your pay. For a non-Saudi the 2% is an occupational hazards contribution rather than social insurance, and it buys no pension entitlement.
- GOSI was reformed in 2024 and contribution rates for newer entrants are scheduled to rise in stages. Confirm your own position in your GOSI record.
Source: PwC Worldwide Tax Summaries (reviewed 29 July 2026). Saudi employment rules change — the Labour Law was amended with effect from February 2025 — so these figures are rechecked at least annually.
What GOSI is, and who actually pays it
The General Organization for Social Insurance administers Saudi Arabia’s social insurance scheme. The contribution split differs sharply by nationality, and the difference is frequently misunderstood in both directions.
Saudi nationals
The employee pays 9.75%: 9% to the pension branch and 0.75% to SANED, the unemployment insurance scheme. The employer pays 11.75% — 9% pension, 0.75% SANED and 2% occupational hazards. Contributions are charged on basic salary plus housing, in cash or in kind, and the contributory wage is capped at SAR 45,000 a month.
Expatriate employees
Nothing is deducted from the employee’s salary. The only contribution is the employer’s 2% occupational hazards, and it is exactly what its name says: cover for workplace injury. It accrues no pension entitlement and returns nothing on departure. An expatriate who works a full career in Saudi Arabia builds no state retirement provision there, which is the fact that should shape the plan.
Why that matters more than the percentage
In a taxed jurisdiction, part of your retirement is built whether you engage with it or not. In Saudi Arabia it is built only if you build it. That makes private provision the whole of the answer rather than a top-up, and it makes the end of service award a component of the plan rather than the plan itself. The Pension Gap Calculator sizes what is actually needed.
Important — This is an estimate based on the figures you enter and the Saudi rules in force at the date shown with the result. It is not legal or employment advice, and it does not replace your contract, which may define wage, hours or leave differently. Saudi employment law was amended with effect from February 2025; where a figure matters, confirm it against your contract and take advice in the Kingdom.
This tool is a general illustration based on the figures you enter. It does not constitute financial, investment, tax or legal advice, and the results are estimates rather than guarantees. Global Investments is not authorised or regulated by the Financial Conduct Authority. Where the amounts involved are material, take advice from a suitably qualified professional in each relevant jurisdiction before acting.
Related tools & guides
- All Saudi employment calculators — the full set in one place
- Take-Home Pay Calculator — compare a Saudi package against eight other jurisdictions
- Income & Expenditure Calculator — test the figure against a real budget
- Living in Saudi Arabia — the wider picture on a Saudi posting
- Saudi Premium Residency — the residence route and what it changes
- Pension Gap Calculator — what to build when no state pension is accruing
Saudi GOSI — common questions
3 questions
What are the GOSI contribution rates?
For a Saudi national the employee pays 9.75% — 9% to the pension branch and 0.75% to SANED unemployment insurance — and the employer pays 11.75%, being 9% pension, 0.75% SANED and 2% occupational hazards. For a non-Saudi employee the only contribution is the employer's 2% occupational hazards. Nothing is deducted from the expatriate employee's salary.
Link to this questionWhat is the contribution ceiling?
Contributions are calculated on basic salary plus housing, whether housing is paid in cash or provided in kind, and the contributory wage is capped at SAR 45,000 a month. Above that figure the contribution stops rising. Allowances other than housing — transport, phone, schooling — fall outside the contributory wage entirely.
Link to this questionDoes the 2% give an expatriate any pension?
No, and this is a common and expensive misunderstanding. The 2% occupational hazards contribution insures against workplace injury. It accrues no pension entitlement and returns nothing on departure. An expatriate working in Saudi Arabia is building no state retirement provision at all, which makes private provision the whole of the answer rather than a supplement to it.
Link to this question