Saudi Employer GOSI Cost Calculator Widget
Budget a Saudi hire properly: salaries plus the employer's GOSI share for the next twelve months, month by month at the rate in force, so a new-law employee's July pension step shows up exactly when it starts.
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How it works
An employer's GOSI bill depends on who the employee is and when. For an old-law Saudi it is a steady 11.75% of basic plus housing; for a non-Saudi or GCC national it is the 2% occupational hazards contribution. For a Saudi who first joined on or after 3 July 2024 it changes every 1 July until 2028, because the new-law pension contribution rises half a point on each side per year. The projection takes the month you choose as month one and prices each of the next twelve months at the rates in force on that month's first day, so a budget that runs from January to December is split into six months at the old step and six at the new, never blended into an average. The table lists each period with its employer rate and monthly amount. Salaries are added in full to give the total cost; other employment costs such as residence permits, medical insurance and the end-of-service provision are left for you to add.
Calculation method
- For each of 12 months: employer GOSI at the rates in force on the 1st
- Months with the same rate grouped into one period
- Total cost = 12 x gross salary + sum of employer GOSI
Worked examples
New-law hire, calendar year 2026
Inputs: Basic SAR 10,000; first month January 2026
Result: Employer GOSI SAR 15,000
6 x 1,225 (Jan-Jun, 19%) + 6 x 1,275 (Jul-Dec, 20%).
A budgeting estimate, not a GOSI invoice. GOSI's monthly bill is the authority.
Limitations
- Assumes the same salary for all twelve months; raises are not projected.
- Only GOSI is added; residence, work permit, medical insurance and end-of-service provisions are excluded.
- A hire in the middle of a month is charged by days of service; the projection uses whole months.
Where publishers use it
- A finance team's hiring budget for a mix of Saudi and expatriate staff
- A Saudization (Nitaqat) planning note comparing new-law and old-law Saudi hires
- A start-up founder's first-year cost model for a Riyadh office
- A NEOM contractor budgeting Saudi hires across a July rate step
- A Madinah hotel group planning Saudisation costs
Questions
How much GOSI does an employer pay for a Saudi employee?
Under the old law 11.75% of basic plus housing (9% pension, 2% occupational hazards, 0.75% SANED). For a new-law employee it is 12.75% from 1 July 2026, rising to 13.25% in July 2027 and 13.75% from July 2028.
Why does the cost change in July?
The new Social Insurance Law phases the pension contribution from 18% to 22% over four years. GOSI applies each step on 1 July, so the employer share rises by half a point every July until 2028.
What does GOSI cost for an expatriate employee?
2% of basic plus housing for occupational hazards, paid by the employer, with a SAR 400 floor and a SAR 45,000 ceiling.
Should a headcount budget include end-of-service accruals?
Usually yes. Auditors expect a provision for end-of-service awards, typically accrued monthly from the Article 84 formula; this widget focuses on GOSI, so add that accrual, medical cover and visa costs separately.
Rules and official sources
Every legal or regulatory figure this widget uses is listed here, with the official page it was read from. The widget reads them from A2Z's rule file for Saudi Arabia; when a rule changes, the widget changes with it.
| Rule | Official source | In force from | Last verified | Next review |
|---|---|---|---|---|
| Who is under the new Social Insurance Law The new law (in force 3 July 2024) applies to people who join on or after that date with no uncompensated contribution periods under the Civil Pension or the old Social Insurance Law and no old-law pension. Everyone else keeps the old-law rates. Periods already paid out as a lump sum do not count (GOSI FAQ). |
Royal Decree M/273 of 26/12/1445H approving the Social Insurance Law (Umm Al-Qura) Umm Al-Qura (Official Gazette) - Clauses Second and Fourth; Law Art. 63 |
3 Jul 2024 | 7 Oct 2026 | 5 Apr 2027 |
| GOSI pension (annuities) contribution, old law Saudi contributors with periods before 3 July 2024: 18% of the contributory wage, 9% employer and 9% employee. |
GOSI contributor FAQ (Social Insurance Law M/33) General Organization for Social Insurance (GOSI) - M/33 Art. 18; kept for existing contributors by Royal Decree M/273 Fourth |
Not stated on the source | 7 Oct 2026 | 5 Apr 2027 |
| GOSI pension contribution, new law: 18% Source A (Royal Decree M/273 Third(1)): 18% for the 12 months from the effective date, then +1 point 'from the month following the lapse of' 12, 24, 36 and 48 months; no calendar month named. Source B (GOSI guide, the collecting authority): steps on 1 July 2025, 2026, 2027 and 2028. Resolution: the decree is silent on the month and GOSI bills on 1 July, so the GOSI dates are used; an August reading is dropped. Split 50/50. |
GOSI introductory guide for new contributors under the new Social Insurance Law 1445H General Organization for Social Insurance (GOSI) - p. 4, gradual increase table; Royal Decree M/273 Third(1)(a), (2) |
3 Jul 2024 | 7 Oct 2026 | 5 Apr 2027 |
| GOSI pension contribution, new law: 19% 19%: 9.5% employer and 9.5% employee, from 1 July 2025 (GOSI date; see the 2024 version for the source conflict and its resolution). |
GOSI introductory guide for new contributors under the new Social Insurance Law 1445H General Organization for Social Insurance (GOSI) - p. 4, gradual increase table; Royal Decree M/273 Third(1)(b) |
1 Jul 2025 | 7 Oct 2026 | 5 Apr 2027 |
| GOSI pension contribution, new law: 20% 20%: 10% employer and 10% employee, from 1 July 2026 (GOSI date). |
GOSI introductory guide for new contributors under the new Social Insurance Law 1445H General Organization for Social Insurance (GOSI) - p. 4, gradual increase table; Royal Decree M/273 Third(1)(c) |
1 Jul 2026 | 7 Oct 2026 | 5 Apr 2027 |
| GOSI pension contribution, new law: 21% 21%: 10.5% employer and 10.5% employee, from 1 July 2027 (GOSI date). |
GOSI introductory guide for new contributors under the new Social Insurance Law 1445H General Organization for Social Insurance (GOSI) - p. 4, gradual increase table; Royal Decree M/273 Third(1)(d) |
1 Jul 2027 | 7 Oct 2026 | 5 Apr 2027 |
| GOSI pension contribution, new law: 22% 22%: 11% employer and 11% employee from 1 July 2028, the target rate in Law Art. 15(1). |
GOSI introductory guide for new contributors under the new Social Insurance Law 1445H General Organization for Social Insurance (GOSI) - p. 4, gradual increase table; Royal Decree M/273 Third(1)(e); Law Art. 15(1) |
1 Jul 2028 | 7 Oct 2026 | 5 Apr 2027 |
| GOSI occupational hazards contribution 2% of the contributory wage, paid by the employer only, for every worker in the Kingdom - Saudi, non-Saudi and GCC nationals. GOSI may raise it for employers who break safety instructions. |
Social Insurance Law (Umm Al-Qura) Umm Al-Qura (Official Gazette) - Arts. 28 and 29(1); old law M/33 Art. 18(1) |
Not stated on the source | 7 Oct 2026 | 5 Apr 2027 |
| SANED unemployment insurance contribution 1.5% split equally: 0.75% employer and 0.75% employee, Saudi workers only (Law Art. 43). The Law's Art. 44(1) says 2%, but Council of Ministers Resolution 1022 fixes 1.5% at the new law's effective date; the resolution is applied. |
GOSI news: unemployment insurance contribution set at 1.5% General Organization for Social Insurance (GOSI) - From 1 Jan 2022; new law: Council of Ministers Resolution 1022 Third(6) |
1 Jan 2022 | 7 Oct 2026 | 5 Apr 2027 |
| What the contributory wage includes Basic wage (commissions and percentages of sales or profits count as basic) plus cash housing allowance at the agreed amount; in-kind housing is valued at two months' basic wage. Transport and other allowances are excluded. Computed before deductions. How the two months spread over a month is not stated, so the widget asks for the monthly housing amount instead of valuing in-kind housing. |
Implementing Regulations of the Social Insurance Law (Umm Al-Qura) Umm Al-Qura (Official Gazette) - Arts. 17, 18 and 20 |
3 Jul 2024 | 7 Oct 2026 | 5 Apr 2027 |
| Maximum contributory wage Contributions stop at SAR 45,000 a month, under both laws; with several employers the 45,000 is combined. |
Social Insurance Law (Umm Al-Qura) Umm Al-Qura (Official Gazette) - Art. 8(2); Implementing Regulations Art. 19; old law M/33 Art. 19(1)(b) |
Not stated on the source | 7 Oct 2026 | 5 Apr 2027 |
| Minimum contributory wage GOSI publishes SAR 1,500 for the pension branch and SAR 400 for workers covered by occupational hazards only. The new law (Art. 8(1)) says only 'not less than the minimum wage set by the competent authority' and names no figure; GOSI's published figure is applied until one is published. Official guidance, priority below the Law. |
GOSI contributor and employer FAQ General Organization for Social Insurance (GOSI) - Minimum contributory wage answer |
Not stated on the source | 7 Oct 2026 | 4 Feb 2027 |
Sources
- Royal Decree M/273 of 26/12/1445H approving the Social Insurance Law (Umm Al-Qura) - Umm Al-Qura (Official Gazette) . Clauses Second and Fourth; Law Art. 63. Verified 2026-10-07.
- GOSI contributor FAQ (Social Insurance Law M/33) - General Organization for Social Insurance (GOSI) . M/33 Art. 18; kept for existing contributors by Royal Decree M/273 Fourth. Verified 2026-10-07.
- GOSI introductory guide for new contributors under the new Social Insurance Law 1445H - General Organization for Social Insurance (GOSI) . p. 4, gradual increase table; Royal Decree M/273 Third(1)(a), (2). Verified 2026-10-07.
- Social Insurance Law (Umm Al-Qura) - Umm Al-Qura (Official Gazette) . Arts. 28 and 29(1); old law M/33 Art. 18(1). Verified 2026-10-07.
- GOSI news: unemployment insurance contribution set at 1.5% - General Organization for Social Insurance (GOSI) . From 1 Jan 2022; new law: Council of Ministers Resolution 1022 Third(6). Verified 2026-10-07.
- Implementing Regulations of the Social Insurance Law (Umm Al-Qura) - Umm Al-Qura (Official Gazette) . Arts. 17, 18 and 20. Verified 2026-10-07.
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