Saudi GOSI Calculator

The General Organisation for Social Insurance (GOSI) in Saudi Arabia is the mandatory social security authority for the Kingdom. GOSI provides retirement pensions, disability, work injury, and unemployment benefits (SANED) for Saudi nationals. The contribution structure differs significantly between Saudi nationals and non-Saudi (expatriate) workers. For Saudi nationals: the employee contributes 10% of their salary (9% to the Retirement Annuity Fund + 1% to the Unemployment Insurance/SANED). The employer contributes 11.75% (9.75% Retirement + 2% Occupational Hazards). For non-Saudi workers: only the employer contributes — 2% to the Occupational Hazards fund — and no employee deduction applies. The monthly salary ceiling for GOSI contributions is SAR 45,000 per month (a generous cap covering most salaries). The Musaned platform handles domestic worker registration separately. GOSI's unemployment insurance (SANED) provides Saudis who lose their jobs involuntarily with temporary income support, funded by the 1% employee + 0.75% employer SANED contributions. Understanding GOSI is critical for Saudi Vision 2030's Saudization (Nitaqat) program, where employers must meet minimum Saudi national employment percentages — and correctly managing GOSI for both Saudi and non-Saudi employees is a key compliance requirement.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

1. 1Classify each employee as Saudi or non-Saudi. The contribution rates differ significantly and must be tracked separately.
2. 2For Saudi employees: deduct 10% from the employee's monthly salary (9% Retirement Annuity + 1% SANED unemployment insurance).
3. 3The employer pays an additional 11.75% on the Saudi employee's salary (9.75% to Retirement Annuity + 2% to Occupational Hazards fund).
4. 4For non-Saudi employees: no employee deduction. The employer pays only 2% to the Occupational Hazards (work injury) fund.
5. 5Apply the SAR 45,000 monthly salary ceiling — contributions are calculated only on salary up to this cap.
6. 6Remit all contributions to GOSI by the 15th of the following month through the GOSI portal (gosi.gov.sa).
7. 7Saudi employees accumulate pension rights for retirement — standard retirement age is 60 for men and 55 for women, or after qualifying years of service with early retirement reductions.

• !Deducting GOSI from non-Saudi employees — expatriates pay no employee GOSI; only the employer's 2% applies.
• !Not capping contributions at the SAR 45,000 monthly ceiling for high-earning Saudi employees.
• !Missing the 15th-of-month GOSI payment deadline — late payment attracts 1% monthly penalty.
• !Not registering Saudi employees immediately on their start date — backdated registration may create additional obligations.
• !Treating GOSI as equivalent to end-of-service gratuity for Saudi nationals — they are separate systems with different calculations.
• !Underreporting Saudi employee salaries to reduce GOSI — GOSI conducts audits and can assess additional contributions retroactively.