# Oman Social Insurance Calculator 2026 > Monthly Social Protection Fund contributions for employee and employer in Oman, and net salary for nationals and expatriates, from the current official rates… URL: https://paycheck-math.com/om/social-insurance-calculator/ Breadcrumbs: Home > Oman > Social insurance calculator Language: en-OM Rates checked: 2026-10-29 Omanis pay 7.5% of their wage up to OMR 3,000 for old age, disability and death, plus 0.5% job security insurance on the full wage, under the Social Protection Law (Royal Decree 52/2023). Employers pay 14.5% for Omanis and 2% for expatriates (maternity 1% plus the sick leave branch from 19 July 2026; work-injury cover for expatriates starts in July 2028). Oman’s personal income tax (5% on income above OMR 42,000 a year) only starts in 2028. On a 4,000 OMR salary an Omani employee pays 245.000 OMR and takes home 3,755.000 OMR. ## Result with default inputs Inputs: period=month, nationality=national, basic=2500, housing=1000, other=500 **Net salary per month: 3,755.000 OMR** - You pay: 245.000 OMR - Employer pays: 460.000 OMR - Share of your gross pay: 6.13% - Net per year: 45,060.000 OMR | Line | Item | Amount | | --- | --- | --- | | | **Pay** | | | | Basic salary | 2,500.000 OMR | | | Housing allowance | 1,000.000 OMR | | | Other allowances | 500.000 OMR | | | **Gross salary** | 4,000.000 OMR | | | **Social insurance** | | | | Contributory wage | 4,000.000 OMR | | | Old age, disability and death 7.5% on 3,000 OMR | −225.000 OMR | | | Job security 0.5% on 4,000 OMR | −20.000 OMR | | | **Total deducted from your pay** | 245.000 OMR | | | **Net salary** | 3,755.000 OMR | | | **Employer contributions (not deducted from your pay)** | | | | Old age, disability and death 11% on 3,000 OMR | 330.000 OMR | | | Work injury 1% on 3,000 OMR | 30.000 OMR | | | Job security 0.5% on 4,000 OMR | 20.000 OMR | | | Maternity leave 1% on 4,000 OMR | 40.000 OMR | | | Sick leave 1% on 4,000 OMR | 40.000 OMR | | | Total employer contributions | 460.000 OMR | | | Total cost to the employer | 4,460.000 OMR | _Estimate from the Social Protection Law. Personal income tax applies only from 2028, on income above OMR 42,000 a year._ To compute other inputs, call the JSON API: `https://paycheck-math.com/api/v1/calculate?path=%2Fom%2Fsocial-insurance-calculator%2F&period=month&nationality=national&basic=2500` or open the page URL with the same query parameters. ## Worked example A national employee earning 4,000 OMR a month. The calculator above opens with these figures; change them or pick “Expatriate” to compare. | Item | Per month | | --- | --- | | Basic salary | 2,500.000 OMR | | Housing allowance | 1,000.000 OMR | | Other allowances | 500.000 OMR | | Gross salary | **4,000.000 OMR** | | Contributory wage | 4,000.000 OMR | | Old age, disability and death 7.5% on 3,000 OMR | −225.000 OMR | | Job security 0.5% on 4,000 OMR | −20.000 OMR | | Total deducted from your pay | **245.000 OMR** | | Net salary | **3,755.000 OMR** | | Old age, disability and death 11% on 3,000 OMR | 330.000 OMR | | Work injury 1% on 3,000 OMR | 30.000 OMR | | Job security 0.5% on 4,000 OMR | 20.000 OMR | | Maternity leave 1% on 4,000 OMR | 40.000 OMR | | Sick leave 1% on 4,000 OMR | 40.000 OMR | | Total employer contributions | 460.000 OMR | | Total cost to the employer | 4,460.000 OMR | An expatriate on the same pay has 0.000 OMR deducted and takes home 4,000.000 OMR; the employer pays 80.000 OMR. ## Contributions and net salary for nationals by salary | Gross salary | Contributory wage | Employee pays | Net salary | Employer pays | | --- | --- | --- | --- | --- | | 2,000 OMR | 2,000 OMR | 160.000 OMR | **1,840.000 OMR** | 290.000 OMR | | 3,000 OMR | 3,000 OMR | 240.000 OMR | **2,760.000 OMR** | 435.000 OMR | | 4,000 OMR | 4,000 OMR | 245.000 OMR | **3,755.000 OMR** | 460.000 OMR | | 6,000 OMR | 6,000 OMR | 255.000 OMR | **5,745.000 OMR** | 510.000 OMR | | 8,000 OMR | 8,000 OMR | 265.000 OMR | **7,735.000 OMR** | 560.000 OMR | | 12,000 OMR | 12,000 OMR | 285.000 OMR | **11,715.000 OMR** | 660.000 OMR | | 20,000 OMR | 20,000 OMR | 325.000 OMR | **19,675.000 OMR** | 860.000 OMR | Per month, with the same salary split as the example (private sector). ## Contribution rates ### Omani nationals | Branch | Paid by | Rate | On | | --- | --- | --- | --- | | Old age, disability and death | Employee | 7.5% | up to 3,000 OMR | | Job security | Employee | 0.5% | whole wage | | Old age, disability and death | Employer | 11% | up to 3,000 OMR | | Work injury | Employer | 1% | up to 3,000 OMR | | Job security | Employer | 0.5% | whole wage | | Maternity leave | Employer | 1% | whole wage | | Sick leave | Employer | 1% from Jul 19, 2026 | whole wage | ### Expatriates | Branch | Paid by | Rate | On | | --- | --- | --- | --- | | Maternity leave | Employer | 1% | whole wage | | Sick leave | Employer | 1% from Jul 19, 2026 | whole wage | | Work injury | Employer | 1% from Jul 19, 2028 | up to 3,000 OMR | Official source: [Social Protection Law, Royal Decree 52/2023](https://qanoon.om/p/2023/rd2023052/), [PwC: GCC social security updates 2026](https://www.pwc.com/m1/en/tax/documents/2026/gcc-social-security-employment-updates.pdf), [Personal Income Tax Law, Royal Decree 56/2025](https://qanoon.om/p/2025/rd2025056/), [Royal Decree 60/2025 (work-injury branch for non-Omanis from 19 Jul 2028)](https://qanoon.om/p/2025/rd2025060/). Rates checked on Oct 29, 2026. ## Questions people ask ### Is there income tax on salaries in Oman? Not yet. The Personal Income Tax Law (Royal Decree 56/2025) starts on 1 January 2028, at 5% on income above OMR 42,000 a year. Until then only social protection contributions come off your salary. ### What pay counts for contributions? The total wage: basic salary plus all allowances. Old age, disability and death and work injury are capped at OMR 3,000 a month; job security, maternity and sick leave apply to the full wage. ### Do expatriates pay social insurance? No. The Social Protection Fund scheme covers nationals and GCC citizens; expatriates get an end-of-service gratuity under the labour law, and the employer pays 80.000 OMR a month for them. ### What about GCC citizens working here? They stay in their home country’s scheme through the GCC extension of insurance protection and pay their home country’s rates. ## Related calculators - [Oman Gratuity Calculator 2026](https://paycheck-math.com/om/gratuity-calculator/index.md) - [Gold Price Today in Oman](https://paycheck-math.com/om/gold-price-today/index.md) - [Zakat Calculator Oman 2026](https://paycheck-math.com/om/zakat-calculator/index.md) - [Oman VAT Calculator (5%)](https://paycheck-math.com/om/vat-calculator/index.md) - [OMR to INR Today](https://paycheck-math.com/om/omr-to-inr/index.md) - [OMR to PKR Today](https://paycheck-math.com/om/omr-to-pkr/index.md) --- Estimates for information only, not tax, legal or financial advice. Check with an adviser or the official tax authority.