Saudi GOSI Calculator
حاسبة التأمينات الاجتماعية
Calculate your GOSI contributions accurately for both employees and employers. Free, instant, and reliable — updated for 2026.
GOSI Calculator
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Everything You Need to Know About GOSI in Saudi Arabia
Complete and updated guide on Saudi GOSI contributions and social insurance for 2026
What is GOSI (General Organization for Social Insurance)?
The General Organization for Social Insurance (GOSI) is the Saudi government authority responsible for implementing the social insurance system in the Kingdom of Saudi Arabia. Established under Royal Decree No. M/22 in 1969, GOSI aims to provide comprehensive social protection for both workers and employers across all sectors of the economy.
GOSI serves as a cornerstone of Saudi Arabia’s social protection framework, offering coverage that includes occupational hazards, professional diseases, retirement pensions, disability benefits, and survivor benefits. The organization has undergone significant development in alignment with Saudi Vision 2030, which seeks to build a sustainable and comprehensive social security system.
The GOSI system applies to all Saudi workers in the private sector. For non-Saudi employees, the occupational hazards branch of GOSI still applies, ensuring protection against work-related injuries regardless of nationality.
GOSI Contribution Rates 2026
GOSI contribution rates vary based on the employee’s nationality:
| Category | Employee Rate | Employer Rate | Total |
|---|---|---|---|
| Saudi (without SANED) | 9% | 9% | 18% |
| Saudi (with SANED) | 9.75% | 9.75% | 19.5% |
| Non-Saudi | 0% | 2% | 2% |
What is SANED (Unemployment Insurance)?
SANED (Saudi Unemployment Insurance System) is an unemployment insurance program launched by GOSI in partnership with the Ministry of Human Resources and Social Development. The program provides temporary financial support to Saudi citizens who lose their jobs for reasons beyond their control.
An additional 0.75% from both the employee and employer is added to the base 9% GOSI contribution, making the total 9.75% for each party. The SANED program applies exclusively to Saudi employees enrolled in GOSI and is generally mandatory for covered workers.
How to Calculate GOSI Contributions
The GOSI Calculator uses the following formulas:
Saudi Employee (with SANED):
Employee Deduction = Salary × 9.75%
Employer Contribution = Salary × 9.75%
Total Contribution = Salary × 19.5%
Net Salary = Salary − (Salary × 9.75%)
Saudi Employee (without SANED):
Employee Deduction = Salary × 9%
Employer Contribution = Salary × 9%
Total Contribution = Salary × 18%
Net Salary = Salary − (Salary × 9%)
Non-Saudi Employee:
Employee Deduction = SAR 0 (no deduction)
Employer Contribution = Salary × 2%
Total Contribution = Salary × 2%
Net Salary = Full Salary (no deduction)
Practical GOSI Calculation Examples
| Salary | Nationality | SANED | Employee Deduction | Employer | Net Salary |
|---|---|---|---|---|---|
| SAR 10,000 | Saudi | Yes | SAR 975 | SAR 975 | SAR 9,025 |
| SAR 10,000 | Saudi | No | SAR 900 | SAR 900 | SAR 9,100 |
| SAR 10,000 | Non-Saudi | N/A | SAR 0 | SAR 200 | SAR 10,000 |
| SAR 15,000 | Saudi | Yes | SAR 1,462.50 | SAR 1,462.50 | SAR 13,537.50 |
| SAR 20,000 | Saudi | Yes | SAR 1,950 | SAR 1,950 | SAR 18,050 |
What Salary is Subject to GOSI Contributions?
GOSI contributions are calculated on the contributory wage, which includes basic salary and fixed allowances stipulated in the employment contract. Variable allowances, non-recurring bonuses, actual travel reimbursements, and similar items are generally excluded from the contributory wage base.
GOSI Registration Requirements for Employers
Saudi Labor Law obligates all private sector employers to register their employees with GOSI within 10 days of their employment commencement date. Failure to register on time exposes employers to financial penalties and potential retroactive contribution obligations. Registration can be completed online through the official GOSI portal or via the GOSI mobile application.
GOSI vs. End of Service Benefits
GOSI contributions and End of Service Benefits (EOSB) are two entirely separate systems under Saudi law. GOSI contributions are monthly deductions made throughout the employment period, providing retirement pensions and insurance coverage. In contrast, EOSB is a lump-sum payment made at the end of the employment relationship, calculated based on the employee’s basic salary and years of service.
How to Verify Your GOSI Contributions
Employees can verify their GOSI contributions through multiple channels: the official GOSI website portal, the GOSI mobile app, or by querying with their national ID number. It is advisable to review your GOSI statement regularly to ensure all contributions are correctly recorded and any discrepancies are addressed promptly.
GOSI for Non-Saudi Employees
Non-Saudi employees in Saudi Arabia’s private sector are covered under the occupational hazards branch of GOSI, which provides protection against work-related injuries and professional diseases. The employer contributes 2% of the employee’s wage toward this coverage, and there is no deduction from the non-Saudi employee’s salary. Non-Saudi employees do not qualify for retirement pension benefits under GOSI.
Penalties for Non-Compliance with GOSI
Employers who fail to register their employees with GOSI or who underreport wages face significant financial penalties. These may include multiple fines, retroactive contribution payments with interest, and in severe cases, business operating restrictions. Ensuring GOSI compliance protects both the employer’s business and the employees’ social security rights.
GOSI and Saudi Vision 2030
As part of Saudi Arabia’s Vision 2030 transformation, GOSI has been developing its digital infrastructure and expanding the scope of social insurance coverage. The organization is investing in advanced actuarial modeling to ensure the long-term sustainability of the pension fund, while also introducing new protection programs to support the Saudi labor market’s evolution.
Why Use a GOSI Calculator?
A GOSI Calculator is an invaluable tool for employees and employers alike. Employees can use it to understand their net salary after GOSI deductions and plan their personal budgets accordingly. Employers can accurately calculate the total cost of employment, which includes both the direct salary and the employer’s GOSI contribution, enabling more precise financial planning and workforce management.
Frequently Asked Questions About GOSI
Answers to the most common questions about Saudi GOSI Calculator and contributions