GOSI Contribution Calculator
For employees and employers alike: see both shares in riyals for each branch, monthly and annually.
Calculate GOSI contributions
GOSI contribution rates
| Branch | Employee | Employer |
|---|---|---|
| Pension (Saudis, earlier subscribers) | 9% | 9% |
| Pension (Saudis, new since July 2024) | Graded, 9% rising to 11% | Same as employee |
| SANED unemployment insurance (Saudis) | 0.75% | 0.75% |
| Occupational hazards (everyone) | — | 2% |
Example: a Saudi employee subscribed before July 2024 with basic salary SAR 8,000 and housing SAR 2,000. Contributory wage SAR 10,000. Employee share 9.75% = SAR 975, employer share 11.75% = SAR 1,175 a month.
Hiring? See the full monthly cost in the employee cost calculator. Prefer Arabic? Use the Arabic version.
Frequently asked questions
How much GOSI is deducted from a Saudi employee's salary?
Under the previous system, 9% for the pension branch plus 0.75% for SANED (unemployment insurance), 9.75% in total, on basic salary plus housing allowance up to SAR 45,000 a month. The employer pays 9% pension, 0.75% SANED and 2% occupational hazards, 11.75% in total.
Why do two Saudi employees pay different pension rates?
The new Social Insurance Law of July 2024 applies a graded rate to people who subscribe for the first time from 3 July 2024: it started at 9% and rises by half a point each July until it reaches 11%. Earlier subscribers stay at 9%.
Do non-Saudi employees pay GOSI?
Nothing is deducted from a non-Saudi employee's salary. The employer pays 2% for occupational hazards on the employee's basic salary plus housing.
What salary is GOSI calculated on?
The contributory wage: basic salary plus cash housing allowance, capped at SAR 45,000 a month. Transport and other allowances are not included.
When are contributions paid?
The employer pays each month's contributions, including the employee's deducted share, within the first 15 days of the following month, or a late-payment fine applies.
Sources
- General Organization for Social Insurance (GOSI)
- Umm Al-Qura — the new Social Insurance Law (Royal Decree M/273), Arabic
- Al Eqtisadiah — the graded increase for new subscribers (30 June 2025), Arabic
Figures and formulas on this page were last reviewed on 2026-11-03.