# GOSI Calculator 2026 > Monthly GOSI contributions for employee and employer in Saudi Arabia, and net salary for nationals and expatriates, from the current official rates and wage… URL: https://paycheck-math.com/sa/gosi-calculator/ Breadcrumbs: Home > Saudi Arabia > Social insurance calculator Language: en-SA Rates checked: 2026-10-29 Saudi employees registered before 3 July 2024 pay 9.75% of basic salary plus housing allowance to GOSI (9% annuities and 0.75% SANED unemployment insurance). For those registered later the annuities rate rises in steps: 10.75% in total from 1 July 2026. The contributory wage is capped at SAR 45,000 a month. Expatriates pay nothing; their employer pays 2% for occupational hazards. On a 13,000 SAR salary a Saudi employee pays 1,218.75 SAR and takes home 11,781.25 SAR. ## Result with default inputs Inputs: period=month, nationality=national, basic=10000, housing=2500, other=500, regime=legacy, as_of=2026-07-01 **Net salary per month: 11,781.25 SAR** - You pay: 1,218.75 SAR - Employer pays: 1,468.75 SAR - Share of your gross pay: 9.38% - Net per year: 141,375.00 SAR | Line | Item | Amount | | --- | --- | --- | | | **Pay** | | | | Basic salary | 10,000.00 SAR | | | Housing allowance | 2,500.00 SAR | | | Other allowances | 500.00 SAR | | | **Gross salary** | 13,000.00 SAR | | | **Social insurance** | | | | Contributory wage | 12,500.00 SAR | | | Annuities (pension) 9% on 12,500 SAR | −1,125.00 SAR | | | SANED unemployment insurance 0.75% on 12,500 SAR | −93.75 SAR | | | **Total deducted from your pay** | 1,218.75 SAR | | | **Net salary** | 11,781.25 SAR | | | **Employer contributions (not deducted from your pay)** | | | | Annuities (pension) 9% on 12,500 SAR | 1,125.00 SAR | | | Occupational hazards 2% on 12,500 SAR | 250.00 SAR | | | SANED unemployment insurance 0.75% on 12,500 SAR | 93.75 SAR | | | Total employer contributions | 1,468.75 SAR | | | Total cost to the employer | 14,468.75 SAR | _Estimate from the GOSI rates in force on the chosen date. There is no income tax on salaries in Saudi Arabia. Loans, absences and other payroll deductions are not included._ To compute other inputs, call the JSON API: `https://paycheck-math.com/api/v1/calculate?path=%2Fsa%2Fgosi-calculator%2F&period=month&nationality=national&basic=10000` or open the page URL with the same query parameters. ## Worked example A national employee earning 13,000 SAR a month. The calculator above opens with these figures; change them or pick “Expatriate” to compare. | Item | Per month | | --- | --- | | Basic salary | 10,000.00 SAR | | Housing allowance | 2,500.00 SAR | | Other allowances | 500.00 SAR | | Gross salary | **13,000.00 SAR** | | Contributory wage | 12,500.00 SAR | | Annuities (pension) 9% on 12,500 SAR | −1,125.00 SAR | | SANED unemployment insurance 0.75% on 12,500 SAR | −93.75 SAR | | Total deducted from your pay | **1,218.75 SAR** | | Net salary | **11,781.25 SAR** | | Annuities (pension) 9% on 12,500 SAR | 1,125.00 SAR | | Occupational hazards 2% on 12,500 SAR | 250.00 SAR | | SANED unemployment insurance 0.75% on 12,500 SAR | 93.75 SAR | | Total employer contributions | 1,468.75 SAR | | Total cost to the employer | 14,468.75 SAR | An expatriate on the same pay has 0.00 SAR deducted and takes home 13,000.00 SAR; the employer pays 250.00 SAR. ## Contributions and net salary for nationals by salary | Gross salary | Contributory wage | Employee pays | Net salary | Employer pays | | --- | --- | --- | --- | --- | | 6,500 SAR | 6,250 SAR | 609.38 SAR | **5,890.63 SAR** | 734.38 SAR | | 9,750 SAR | 9,375 SAR | 914.06 SAR | **8,835.94 SAR** | 1,101.56 SAR | | 13,000 SAR | 12,500 SAR | 1,218.75 SAR | **11,781.25 SAR** | 1,468.75 SAR | | 19,500 SAR | 18,750 SAR | 1,828.13 SAR | **17,671.88 SAR** | 2,203.13 SAR | | 26,000 SAR | 25,000 SAR | 2,437.50 SAR | **23,562.50 SAR** | 2,937.50 SAR | | 39,000 SAR | 37,500 SAR | 3,656.25 SAR | **35,343.75 SAR** | 4,406.25 SAR | | 65,000 SAR | 45,000 SAR | 4,387.50 SAR | **60,612.50 SAR** | 5,287.50 SAR | Per month, with the same salary split as the example (registered before July 2024). ## Contribution rates ### Saudis registered before 3 July 2024 | Branch | Paid by | Rate | On | | --- | --- | --- | --- | | Annuities (pension) | Employee | 9% | from 1,500 SAR up to 45,000 SAR | | SANED unemployment insurance | Employee | 0.75% | from 1,500 SAR up to 45,000 SAR | | Annuities (pension) | Employer | 9% | from 1,500 SAR up to 45,000 SAR | | Occupational hazards | Employer | 2% | from 1,500 SAR up to 45,000 SAR | | SANED unemployment insurance | Employer | 0.75% | from 1,500 SAR up to 45,000 SAR | ### Saudis registered from 3 July 2024 | Branch | Paid by | Rate | On | | --- | --- | --- | --- | | Annuities (pension) | Employee | 9% from Jul 3, 2024, 9.5% from Jul 1, 2025, 10% from Jul 1, 2026, 10.5% from Jul 1, 2027, 11% from Jul 1, 2028 | from 1,500 SAR up to 45,000 SAR | | SANED unemployment insurance | Employee | 0.75% | from 1,500 SAR up to 45,000 SAR | | Annuities (pension) | Employer | 9% from Jul 3, 2024, 9.5% from Jul 1, 2025, 10% from Jul 1, 2026, 10.5% from Jul 1, 2027, 11% from Jul 1, 2028 | from 1,500 SAR up to 45,000 SAR | | Occupational hazards | Employer | 2% | from 1,500 SAR up to 45,000 SAR | | SANED unemployment insurance | Employer | 0.75% | from 1,500 SAR up to 45,000 SAR | ### Expatriates | Branch | Paid by | Rate | On | | --- | --- | --- | --- | | Occupational hazards | Employer | 2% | up to 45,000 SAR | Official source: [Social Insurance Law (Royal Decree M/273), MISA](https://misa.gov.sa/app/uploads/2025/07/Social-Insurance-Law.pdf), [PIFSS: GCC contribution rates and wages (private sector)](https://www.pifss.gov.kw/Lists/NewsAndAnnouncements/Attachments/445/%D9%86%D8%B3%D8%A8%20%D8%A7%D9%84%D8%A7%D8%B4%D8%AA%D8%B1%D8%A7%D9%83%20%D9%88%D8%A7%D9%84%D8%B1%D8%A7%D8%AA%D8%A8%20%D8%A7%D9%84%D8%AE%D8%A7%D8%B6%D8%B9%20%D9%84%D9%84%D8%A7%D8%B4%D8%AA%D8%B1%D8%A7%D9%83%20-%20%D8%A7%D9%84%D9%82%D8%B7%D8%A7%D8%B9%20%D8%A7%D9%84%D8%A3%D9%87%D9%84%D9%8A.pdf), [PwC: GCC social security updates 2026](https://www.pwc.com/m1/en/tax/documents/2026/gcc-social-security-employment-updates.pdf). Rates checked on Oct 29, 2026. ## Questions people ask ### Is there income tax on salaries in Saudi Arabia? No, there is no personal income tax on salaries. The only deductions are social insurance for nationals. ### What pay counts for contributions? Basic salary plus housing allowance (in-kind housing counts as two months of basic salary a year), from SAR 1,500 up to SAR 45,000 a month. ### Do expatriates pay social insurance? No. The GOSI scheme covers nationals and GCC citizens; expatriates get an end-of-service gratuity under the labour law, and the employer pays 250.00 SAR 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 - [Saudi Arabia Gratuity Calculator 2026](https://paycheck-math.com/sa/gratuity-calculator/index.md) - [Gold Price Today in Saudi Arabia](https://paycheck-math.com/sa/gold-price-today/index.md) - [Zakat Calculator Saudi Arabia 2026](https://paycheck-math.com/sa/zakat-calculator/index.md) - [Saudi Arabia VAT Calculator (15%)](https://paycheck-math.com/sa/vat-calculator/index.md) - [Saudi Arabia Personal Loan Calculator](https://paycheck-math.com/sa/personal-loan-calculator/index.md) - [Saudi Arabia Mortgage Calculator](https://paycheck-math.com/sa/mortgage-calculator/index.md) --- Estimates for information only, not tax, legal or financial advice. Check with an adviser or the official tax authority.