Finance

GOSI Contribution & Deduction Calculator (Saudi Arabia)

Calculate your actual monthly GOSI deduction — employee and employer shares — for Saudi and non-Saudi employees, under both the traditional and new unified systems, with the contribution wage cap and floor applied automatically.

Nationality

Contribution system

Monthly basic salary

Monthly housing allowance (if any) Contributory wage = basic salary + housing allowance, capped at 45,000 SAR and floored at 400 SAR.

Calculate the rate as of

Used only to determine the pensions-branch rate if you're on the new gradual system.

Enter your details and press "Calculate" to see your result here.

About this calculator

What the result means

GOSI deducts a monthly contribution from the contributory wage (basic salary + housing allowance), capped at 45,000 SAR and floored at 400 SAR. A Saudi employee subscribed before 3 July 2024 (traditional system) pays a fixed 9.75% (9% pensions + 0.75% SANED), with the employer paying 11.75% (9% + 0.75% + 2% occupational hazards) — 21.5% total. A new labor-market entrant after that date with no prior record (new system) starts at the same rate, but the pensions-branch share rises gradually by about 0.5 points per year from 1 July 2025, reaching 11% each side by 2028 (11.75% employee / 13.75% employer, final). Non-Saudi employees have no deduction at all; the employer alone pays a 2% occupational-hazards contribution.

Recommendation

Confirm your actual system (traditional or new) via the 'Ta'meenaty' app rather than assuming, since it materially changes your future rate. If your housing allowance or fixed allowances push your wage near the 45,000 SAR cap, any raise above that ceiling won't increase your pension contribution — useful for financial planning. To see the effect on your actual take-home pay, use the net salary calculator. If you're nearing retirement, use the GOSI pension calculator to estimate your expected pension based on the same contributory wage.

Frequently asked questions

How do I know if I'm on the traditional or new system?

Via the 'Ta'meenaty' app or your GOSI portal account, where your system is shown clearly in your profile. General rule: if you had any prior GOSI or civil-pension subscription before 3 July 2024, you're on the traditional system.

Is the transport allowance included in the contributory wage?

The officially recognized base is basic salary + housing allowance. Some companies also include a fixed, recurring transport allowance in the contributory wage — check your actual payslip to see the exact contributory wage registered with GOSI.

Why isn't anything deducted from non-Saudi employees?

Because the pensions and SANED branches apply to Saudi nationals only. Non-Saudi employees are covered only under the occupational-hazards branch (workplace injuries), paid entirely by the employer at 2%, with no deduction from the employee's salary.

Does the 45,000 SAR cap mean my salary above that isn't counted at all?

It means the GOSI contribution (and therefore the future pension) is calculated on 45,000 SAR maximum only, even if your actual salary is higher. The excess isn't factored into the contribution or the future pension.

Does this calculator estimate my future retirement pension?

No, this calculator computes only the current monthly deduction. To estimate your future retirement pension based on your years of contribution, use the site's dedicated GOSI pension calculator.