Saudi GOSI Contribution Calculator Widget
Work out the monthly GOSI contribution for an employee in Saudi Arabia - pension, occupational hazards and SANED - split between employee and employer, for old-law contributors and for new entrants since 3 July 2024 whose pension rate rises every July.
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How it works
GOSI contributions are a percentage of the contributory wage: basic pay (including commissions) plus housing allowance, never transport or other allowances, counted between a floor of SAR 1,500 for the pension branch (SAR 400 for workers covered only for occupational hazards) and a ceiling of SAR 45,000 a month. Three branches apply. The pension branch covers Saudis only: 9% from the employee and 9% from the employer under the old law. For someone who joined the system for the first time on or after 3 July 2024 under the new Social Insurance Law, it started at the same 18% and steps up by one point every 1 July - 19% from 2025, 20% from 2026 - until it reaches 22% (11% each) in July 2028. The step months follow GOSI's own published schedule; the Royal Decree names no calendar month, and that conflict is recorded in A2Z's rule notes. Occupational hazards cost the employer 2% for every worker in the Kingdom, Saudi or not, and SANED unemployment insurance is 0.75% from each side for Saudis. GCC nationals keep their home country's pension, so only the 2% is shown for them.
Calculation method
- Contributory wage = basic + housing, at least SAR 1,500 (400 hazards-only), at most SAR 45,000
- Pension: old law 9% + 9%; new law the dated version in force (18% -> 22%, split 50/50)
- Occupational hazards: 2% employer, every worker
- SANED: 0.75% employee + 0.75% employer, Saudis only
- Each amount rounded to the halala
Worked examples
Old-law Saudi employee
Inputs: Basic SAR 10,000; no housing
Result: Employee SAR 975; employer SAR 1,175
9% + 0.75%; 9% + 2% + 0.75%.
New entrant, October 2026
Inputs: Basic SAR 8,000 + housing SAR 2,000
Result: Employee SAR 1,075; employer SAR 1,275
20% pension from 1 July 2026, split 10% + 10%.
Non-Saudi above the cap
Inputs: Basic SAR 60,000
Result: Employer SAR 900
2% of the SAR 45,000 ceiling.
A calculation aid, not a GOSI statement. GOSI's records and the Social Insurance Law decide the contributions due.
Limitations
- GCC nationals' home-country pension contributions are not calculated.
- In-kind housing must be entered as a monthly amount; how its two-month value spreads over a month is not stated in the Regulations.
- Entry and exit months charged by days of service, voluntary contributors and civil-service employees are not modelled.
Where publishers use it
- A payroll bureau's page explaining GOSI deductions to new Saudi hires
- An employer comparing the cost of a new-law Saudi graduate with an existing contributor
- An accountant's blog on the July pension rate steps
- An Arabic HR newsletter answering 'how much is GOSI on my salary?'
- A Riyadh fintech onboarding its first Saudi graduates under the new law
- A Qassim agricultural company checking old-law contributors
Questions
How much is GOSI for Saudi employees?
Under the old law, 9.75% from the employee (9% pension + 0.75% SANED) and 11.75% from the employer (9% pension + 2% occupational hazards + 0.75% SANED). On SAR 10,000 that is SAR 975 and SAR 1,175 a month.
What changed under the new Social Insurance Law?
For people who first joined on or after 3 July 2024, the pension rate rises from 18% to 22% in one-point steps on 1 July 2025, 2026, 2027 and 2028, split equally. From 1 July 2026 it is 20%: 10.75% from the employee and 12.75% from the employer in total.
How much GOSI do non-Saudi employees pay?
Nothing from the employee. The employer pays 2% of the contributory wage for occupational hazards. Non-Saudis are not in the pension or SANED branches.
Which allowances count for GOSI?
Basic wage (with commissions and sales percentages) and housing allowance, in cash at the agreed amount or, if housing is provided, valued at two months' basic wage. Transport and other allowances are not included.
Is there a maximum salary for GOSI?
Yes. Contributions stop at a contributory wage of SAR 45,000 a month, combined across employers.
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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