Saudi Salary After GOSI Calculator Widget
Turn a Saudi salary package into take-home pay. Enter basic, housing, transport and other allowances; the widget deducts the employee's GOSI share - which applies to basic and housing only - and shows what lands in the bank, plus what the same package costs the employer.
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How it works
Salaries in Saudi Arabia carry no personal income tax, so the only statutory deduction from a private-sector payslip is the employee's GOSI share. That share is charged on the contributory wage - basic plus housing - not on the whole package, which is why a generous transport allowance lifts take-home pay almost one for one. For a Saudi on the old law the employee pays 9.75% of that wage (9% pension and 0.75% SANED); for a Saudi who joined on or after 3 July 2024, the pension part follows the dated rate in force for the month, 10% since 1 July 2026; a non-Saudi or GCC employee pays nothing to GOSI from their own salary. Loan repayments, advances or other deductions can be added. The employer's side - its own GOSI share on top of the gross salary - is shown as the total cost of the package. The GOSI arithmetic is the same function used by A2Z's GOSI calculator.
Calculation method
- Gross = basic + housing + transport + other allowances
- Employee GOSI = contributory wage (basic + housing, floor and cap) x employee rate
- Take-home = gross - employee GOSI - other deductions
- Employer cost = gross + employer GOSI
Worked examples
Old-law Saudi package
Inputs: Basic 10,000; housing 2,500; transport 1,000
Result: Take-home SAR 12,281.25
13,500 - 9.75% x 12,500.
Non-Saudi package
Inputs: Basic 10,000; housing 2,500; transport 1,000
Result: Take-home SAR 13,500
Non-Saudis pay no GOSI from salary; the employer pays 2%.
An estimate, not a payslip. The employer's payroll and GOSI's records decide the deductions.
Limitations
- Assumes allowances are paid monthly in cash; in-kind benefits are not valued.
- Other deductions are taken as entered; employer-specific schemes (savings plans, medical co-pay) are not modelled.
- Expatriate fees such as the dependent levy are paid separately and not shown.
Where publishers use it
- A job board showing net pay beside each advertised Saudi salary
- A candidate comparing two offers with different allowance splits
- A relocation guide explaining why Saudi payslips show only one deduction
- A Saudi graduate comparing two Riyadh job offers
- A Dammam employer explaining payslips to new staff
Questions
Is there income tax on salaries in Saudi Arabia?
No. Employment income is not taxed for individuals. The employee's GOSI contribution is the only statutory deduction from a private-sector salary.
Why does my transport allowance not reduce my net pay?
GOSI is charged on basic wage and housing allowance only. Transport and other allowances are paid in full, so they add to take-home pay without any deduction.
How much is deducted from a SAR 12,500 Saudi salary?
With basic 10,000 and housing 2,500 on the old law, GOSI takes 9.75% of 12,500 = SAR 1,218.75; a SAR 1,000 transport allowance is untouched, so take-home is SAR 12,281.25 of a SAR 13,500 package.
Does the employer deduct GOSI for expatriate staff?
No. Expatriates have nothing withheld for GOSI; their employer alone pays the 2% occupational hazards contribution. Iqama renewal fees and the dependants levy are separate government charges, not payslip deductions.
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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