Saudi GOSI Pension Table by Years and Salary
Find your years of contribution in the rows and your average wage in the columns to read your estimated monthly pension. For your exact dates, use the calculator.
The tables are generated with the same rules as the GOSI pension calculator and assume you have reached the statutory retirement age and meet the pension conditions.
Previous system (insured before 3 July 2024)
| Contribution period | Average 4,000 | Average 6,000 | Average 8,000 | Average 10,000 | Average 15,000 | Average 20,000 | Average 30,000 |
|---|---|---|---|---|---|---|---|
| 10 years | 1,984* | 1,984* | 2,000 | 2,500 | 3,750 | 5,000 | 7,500 |
| 15 years | 1,984* | 2,250 | 3,000 | 3,750 | 5,625 | 7,500 | 11,250 |
| 20 years | 2,000 | 3,000 | 4,000 | 5,000 | 7,500 | 10,000 | 15,000 |
| 25 years | 2,500 | 3,750 | 5,000 | 6,250 | 9,375 | 12,500 | 18,750 |
| 30 years | 3,000 | 4,500 | 6,000 | 7,500 | 11,250 | 15,000 | 22,500 |
| 35 years | 3,500 | 5,250 | 7,000 | 8,750 | 13,125 | 17,500 | 26,250 |
| 40 years | 4,000 | 6,000 | 8,000 | 10,000 | 15,000 | 20,000 | 30,000 |
Pension = average wage of the last 24 months × months of contribution ÷ 480, up to 100%. Asterisk: raised to the SAR 1,983.75 minimum.
New system (first insured from 3 July 2024)
| Contribution period | Average 4,000 | Average 6,000 | Average 8,000 | Average 10,000 | Average 15,000 | Average 20,000 | Average 30,000 |
|---|---|---|---|---|---|---|---|
| 15 years | 2,000* | 2,025 | 2,700 | 3,375 | 5,063 | 6,750 | 10,125 |
| 20 years | 2,400* | 2,700 | 3,600 | 4,500 | 6,750 | 9,000 | 13,500 |
| 25 years | 2,800* | 3,375 | 4,500 | 5,625 | 8,438 | 11,250 | 16,875 |
| 30 years | 3,200* | 4,050 | 5,400 | 6,750 | 10,125 | 13,500 | 20,250 |
| 35 years | 3,600* | 4,725 | 6,300 | 7,875 | 11,813 | 15,750 | 23,625 |
| 40 years | 4,000* | 5,400 | 7,200 | 9,000 | 13,500 | 18,000 | 27,000 |
Pension = 2.25% × average of the highest wages over 180 months × years of contribution, at age 65 with at least 180 months. Asterisk: raised to the graduated minimum of SAR 2,000 to 4,000.
What the table leaves out
- The contributory wage is basic salary plus housing allowance only, capped at SAR 45,000.
- Early retirement under the new system is reduced by 3% for each year, and deferring past 65 adds 3% for each year.
- Older members in the transitional group have a retirement age between 58 and 65 depending on their age in July 2024, with the same formula.
To compare with the other Gulf countries, see the GCC pension comparison. Prefer Arabic? Use the Arabic version.
Frequently asked questions
What is the GOSI pension after 25 years in Saudi Arabia?
Under the previous system 62.5% of the average wage of the last two years: an average of SAR 10,000 gives SAR 6,250 a month. Under the new system 56.25% of the average of the highest wages over 15 years: SAR 5,625.
What is the GOSI pension after 30 years?
Under the previous system 75%: an average of 10,000 gives SAR 7,500. Under the new system 67.5%: SAR 6,750.
What does the asterisk in the table mean?
The calculated pension is below the minimum, so it is raised to it: SAR 1,983.75 under the previous system, and under the new system from SAR 2,000 for 15 years rising gradually to SAR 4,000 for 40 years.
Sources
- Umm Al-Qura — new Social Insurance Law (Royal Decree M/273)
- General Organization for Social Insurance (GOSI)
Figures and formulas on this page were last reviewed on 2026-11-03.