GOSI Salary Calculator (KSA)
Calculate your Net Salary and Total Cost to Company with 100% accuracy. Handles the 45k cap and housing exclusions.
Transport and other allowances are NOT subject to GOSI.
How is GOSI Calculated in Saudi Arabia?
1. The Contributory Wage
GOSI is calculated based on Basic Salary + Housing Allowance only.
Transport, phone, and other allowances are excluded.
Important Rule: There is a maximum cap of 45,000 SAR. GOSI is not calculated on any amount exceeding this limit.
2. Contribution Rates
🇸🇦 For Saudi Nationals (21.5% Total)
- Employee Pays (9.75%): 9% Pension + 0.75% SANED (Unemployment).
- Employer Pays (11.75%): 9% Pension + 0.75% SANED + 2% Occupational Hazards.
🌍 For Non-Saudis / Expats (2% Total)
- Employee Pays: 0%
- Employer Pays (2%): Occupational Hazards only.
* Note: SANED (Unemployment Insurance) applies to Saudi employees under 60 years old.
Frequently Asked Questions
- What is the GOSI contribution rate in Saudi Arabia for 2026?
- For Saudi nationals, the total GOSI rate is 21.5% (9.75% employee + 11.75% employer). For expats/non-Saudis, the rate is 2% paid entirely by the employer for Occupational Hazards insurance only.
- What is the GOSI salary cap?
- GOSI contributions are capped at SAR 45,000 per month. Any salary amount above this limit is not subject to GOSI deductions.
- Is housing allowance included in GOSI calculation?
- Yes. GOSI is calculated on Basic Salary plus Housing Allowance. However, other allowances such as transport, phone, and commission are excluded from the contributory wage.
- Do expats pay GOSI in Saudi Arabia?
- Expat employees pay nothing from their salary. The employer pays 2% of the expat's contributory wage for Occupational Hazards insurance only. Expats are not covered by the pension or SANED (unemployment) programs.
- What is SANED in Saudi Arabia?
- SANED is the Saudi unemployment insurance program. It applies to Saudi employees under 60 years old at a combined rate of 1.5% (0.75% from employee + 0.75% from employer). It provides income support during unemployment periods.