Saudi social insurance contributions
Saudi GOSI Salary Deduction Calculator 2026
Estimate the employee GOSI deduction and employer contribution from basic salary and housing allowance under the applicable Saudi contributor category.
Calculate estimated GOSI contributions
Estimate based on basic salary plus housing allowance. The new-law selection uses the 10% pension rate applicable from 3 July 2026, plus 0.75% SANED. Verify your registered wage and category with GOSI.
Rates reviewed against GOSI's official new-law awareness material on 6 November 2026. The calculator distinguishes existing Saudi contributors, Saudi workers first insured under the new law, and non-Saudi workers.
Review the official GOSI contribution guidanceRead the GOSI deduction guideFrequently asked questions
What salary is used for GOSI?
This estimate uses monthly basic salary plus housing allowance, subject to the SAR 45,000 contributory-wage ceiling.
Why are there two Saudi employee rates?
Existing contributors generally retain the earlier pension rate, while the new law gradually increases the pension rate for qualifying first-time contributors from 3 July 2024.
Is occupational hazards deducted from the employee?
No. The standard 2% occupational-hazards contribution is included in the estimated employer share, not the employee deduction.
Are my salary figures stored?
No. The calculation runs locally in your browser and is not sent to a payroll database.