Bahrain Net Salary Calculator
Enter your basic salary and fixed allowances to see the deduction, your net pay and the employer's share by year.
Work out your net salary
Bahrain contribution rates
| Group and branch | Employee | Employer |
|---|---|---|
| Bahraini: pension | 7% | 15% (2026), 16% (2027), 17% (2028) |
| Bahraini: work injury | — | 3% |
| Bahraini: unemployment | 1% | paid by the Labour Fund |
| Expat: work injury | — | 3% |
| Expat: unemployment | 1% | paid by the Labour Fund |
| Expat: end-of-service | — | 4.2% for 3 years, then 8.4% |
Examples (2026):
Bahraini, basic 1,000 and allowances 400: 8% × 1,400 = 112 is deducted and net pay is BHD 1,288; the employer pays 18% = 252.
Bahraini, basic 1,000 and allowances 1,500: allowances count at 1,000 only (100% of basic), so insurable pay is 2,000 and 160 is deducted.
Expat on 1,400 in the first 3 years: 14 is deducted and net pay is 1,386; the employer pays 3% + 4.2% = 100.8.
Insurable pay for Bahrainis is basic plus fixed allowances paid to all workers in the same category (cash housing, transport, social and others) up to 100% of basic, capped at BHD 4,000. Decree-Law 44/2026 adds a minimum insurable wage for first-time registrants after 9 October 2026; the amount has not been set yet. In government, contributions are on basic salary: 7% from the employee and 20% from the employer.
For your pension use the Bahrain pension calculator, and for your gratuity the end-of-service calculator.
Frequently asked questions
How much is deducted from a Bahraini's salary for social insurance?
8% in the private sector: 7% for the pension and 1% for unemployment insurance, on insurable pay (basic plus fixed allowances up to 100% of basic) capped at BHD 4,000. The employee rate has been fixed since January 2023.
What is the employer's share of Bahraini social insurance in 2026?
15% for the pension in 2026, 16% in 2027 and 17% in 2028, plus 3% for work injury. The employer's unemployment share is paid by the Labour Fund for the private sector.
How much is deducted from an expat's salary in Bahrain?
Only 1% for unemployment insurance. The employer pays 3% for work injury and, since March 2024, an end-of-service contribution to the SIO: 4.2% for the first 3 years, then 8.4%.
Sources
- Legislation and Legal Opinion Commission — Law 14/2022 amending the Social Insurance Law (Arabic)
- Daily Tribune — employer share rising to 2028 (30 Aug 2025)
- Teamed — Bahrain payroll and social insurance (30 Oct 2026)
- Teamed — end-of-service with the SIO (30 Oct 2026)
Figures and formulas on this page were last reviewed on 2026-11-03.