GOSI Calculator
Calculate employee and employer GOSI contributions including SANED
How to Use
- Select nationality (Saudi or non-Saudi)
- Enter your basic salary
- Enter your housing allowance
- Press "Calculate" to see employee and employer shares and net salary after deductions
GOSI Social Insurance in Saudi Arabia
The Saudi General Organization for Social Insurance (GOSI) requires monthly contributions from employers and Saudi employees. The maximum contributable wage ceiling is 45,000 SAR/month.
Contribution Rates for Saudis
Employee: 9% annuities + 0.75% SANED = 9.75% total. Employer: 9% annuities + 0.75% SANED + 2% occupational hazards = 11.75% total. Calculated on basic salary + housing allowance.
For Non-Saudis
Employer pays only 2% for occupational hazards. No deduction from the non-Saudi employee's salary.
Calculation Methodology
Contributable wage
The calculator uses basic salary and housing allowance to estimate the contributable wage, applying the SAR 45,000 monthly ceiling when calculating contributions.
Calculation method
For Saudi employees, the calculator applies employee and employer rates to the contributable wage. For non-Saudis, it shows the employer-only occupational hazards cost under the general rule.
Calculation limits
This tool does not cover every special case, such as first-registration date, phased rate changes, or unusual employment contracts. Check your GOSI account or employer for final figures.
Practical Examples
Saudi Employee — 7,000 SAR Basic Salary
Ahmed is a Saudi employee with a basic salary of 7,000 SAR and housing allowance of 2,500 SAR. Contributable salary = 7,000 + 2,500 = 9,500 SAR. Employee share: 9,500 × 9% = 855 annuities + 9,500 × 0.75% = 71.25 SANED = 926.25 SAR total deduction. Employer share: 855 annuities + 71.25 SANED + 9,500 × 2% = 190 hazards = 1,116.25 SAR. Net salary = 9,500 − 926.25 = 8,573.75 SAR.
Saudi High-Earner — Exceeds 45,000 SAR Ceiling
Sara is a Saudi manager with a basic salary of 35,000 SAR and housing allowance of 12,000 SAR = 47,000 SAR. The 45,000 SAR ceiling applies, so contributions are calculated on 45,000 only. Employee share: 45,000 × 9% = 4,050 annuities + 45,000 × 0.75% = 337.50 SANED = 4,387.50 SAR. Employer share: 4,050 annuities + 337.50 SANED + 45,000 × 2% = 900 hazards = 5,287.50 SAR. Net salary = 47,000 − 4,387.50 = 42,612.50 SAR.
Non-Saudi Employee — No Salary Deduction
Mohammed is a non-Saudi employee with a basic salary of 5,000 SAR and housing of 1,500 SAR = 6,500 SAR. No amount is deducted from the non-Saudi employee's salary (employee share = 0). The employer pays only 2% for occupational hazards = 6,500 × 2% = 130 SAR. Mohammed's net salary = 6,500 SAR in full.
Frequently Asked Questions
What is the salary ceiling for GOSI contributions?
Does GOSI apply to part-time workers?
What is the difference between GOSI and SANED?
How is housing allowance treated in GOSI calculations?
Can non-Saudis benefit from GOSI?
What happens to GOSI when changing jobs?
Have GOSI contribution rates changed recently?
Legal References
Disclaimer: The results shown are approximate and for reference only, and do not constitute financial or legal advice. Actual amounts may vary based on additional factors. Please consult the relevant official authorities or a licensed financial advisor for accurate information specific to your situation.