Free Saudi GOSI Calculator โ 2026 Updated
Accurately calculate GOSI (General Organization for Social Insurance) contributions for Saudi nationals and expatriates. Our tool is updated with the latest 2026 KSA Labor Law regulations.
Calculation Summary
How it Works
The GOSI (General Organization for Social Insurance) contribution is calculated based on the contributory wage, which includes the basic salary and housing allowance.
For Saudi nationals, the contribution rates are higher as they include pension and unemployment insurance (SANED). Expats contribute only to occupational hazard insurance.
The contributory wage is capped at SAR 45,000 per month. Any amount exceeding this cap is not subject to GOSI deductions.
What is GOSI? โ General Organization for Social Insurance
GOSI (General Organization for Social Insurance โ ุงูู ุคุณุณุฉ ุงูุนุงู ุฉ ููุชุฃู ููุงุช ุงูุงุฌุชู ุงุนูุฉ) is Saudi Arabia's official government body that manages mandatory social insurance for all private-sector employees. Established in 1973, GOSI protects workers and their families through structured monthly contributions from both employers and employees.
As of 2026, GOSI covers approximately 12.9 million contributors in Saudi Arabia. Every company operating in the Kingdom โ local or foreign โ must register with GOSI and make monthly contributions on behalf of their employees. Failure to comply results in financial penalties of 2% per month on unpaid amounts.
This free GOSI calculator uses the official 2026 contribution rates published by GOSI. All calculations run entirely in your browser โ no data is stored or shared by QuickCalcs.
Official 2026 GOSI Contribution Rates
The following rates are the official GOSI contribution percentages for 2026, as published by the General Organization for Social Insurance, Kingdom of Saudi Arabia.
| Component | Saudi National (Employee) | Saudi National (Employer) | Expat Employee | Expat Employer |
|---|---|---|---|---|
| Annuity (Pension) | 9% | 9% | โ | โ |
| SANED (Unemployment) | 1% | 1% | โ | โ |
| Occupational Hazards | โ | 2% | โ | 2% |
| TOTAL | 10% | 12% | 0% | 2% |
* Contributory wage capped at SAR 45,000/month. Source: General Organization for Social Insurance (GOSI), Kingdom of Saudi Arabia, 2026.
How to Use the GOSI Calculator โ Step by Step
Choose Saudi National if the employee holds Saudi citizenship. Select Expat (Non-Saudi) for all foreign nationals including GCC citizens working in the private sector.
Input the employee's basic salary as stated in the employment contract. Do not include allowances here. Basic salary must be at least 40% of total salary per Saudi Labor Law.
Add the monthly housing allowance if applicable. GOSI is calculated on Basic Salary + Housing Allowance combined. Transport and food allowances are excluded from GOSI calculation.
The calculator instantly shows: Contributory Wage (capped at SAR 45,000), Employee Deduction, Employer Contribution, Total GOSI, and your Estimated Net Salary.
Use the results for payroll planning, HR budgeting, or to verify your employer is making the correct deductions. All calculations follow the official GOSI formula.
What Does GOSI Insurance Cover?
Your monthly GOSI contribution provides protection across three main insurance branches:
Annuity Branch
Monthly retirement pension for Saudi nationals who reach age 60 with minimum 60 monthly contributions. Also covers disability and death benefits for contributors and their families.
Saudi Nationals OnlyOccupational Hazards Branch
Covers ALL employees (Saudi + Expat) for work-related injuries, disabilities, and deaths. Medical expenses covered at 100%. Partial disability: up to SAR 165,000. Permanent disability: up to SAR 330,000.
All EmployeesSANED โ Unemployment Branch
Saudi nationals who lose their job receive 60% of salary for first 3 months (max SAR 9,000/month), then 50% for up to 9 more months (max SAR 7,500/month). Maximum 12 months every 2 years.
Saudi Nationals OnlyGOSI Compliance Rules for 2026
Employers must register new employees with GOSI within 15 days of their start date. Late registration can result in backdated contributions plus penalties.
GOSI contributions must be paid by the last day of each Gregorian month. Late payments attract a 2% monthly penalty on the outstanding amount.
GOSI is calculated only on the first SAR 45,000 of Basic Salary + Housing Allowance. Amounts above this cap are exempt from GOSI deductions.
Transport allowance, food allowance, phone allowance, and other benefits are NOT included in the GOSI base. Only Basic Salary + Housing Allowance counts.
Under Saudi Labor Law, an employee's basic salary must be at least 40% of their total monthly package for GOSI purposes.
GOSI payments are made through the official GOSI e-services portal or via SADAD through your online banking. Companies can generate monthly invoices directly from the GOSI portal.
Is This GOSI Calculator Free & Accurate?
โ Yes โ QuickCalcs GOSI Calculator is 100% free. No registration, no login, no hidden fees. It will remain free forever.
The calculation uses the official 2026 GOSI rates published by the General Organization for Social Insurance, Kingdom of Saudi Arabia:
- Saudi Employee: 10% (9% Annuity + 1% SANED)
- Saudi Employer: 12% (9% Annuity + 2% Hazards + 1% SANED)
- Expat Employee: 0%
- Expat Employer: 2% (Hazards only)
- Wage Cap: SAR 45,000/month
All calculations run entirely in your browser. QuickCalcs never collects, stores, or transmits any salary or personal data you enter. This tool is for informational and payroll planning purposes. For official GOSI matters, always refer to gosi.gov.sa.
Frequently Asked Questions
GOSI (General Organization for Social Insurance) is Saudi Arabia's mandatory social insurance scheme. All employers must register and contribute. Saudi nationals also contribute, while expats only have the employer-side 2% hazard contribution applied.
The contributory wage includes basic salary plus housing allowance, capped at SAR 45,000 per month. Transport, food, and other allowances are excluded.
Employee pays 10% (9% Annuity + 1% SANED). Employer pays 12% (9% Annuity + 2% Hazards + 1% SANED). Total combined contribution is 22% of contributory wage.
Expats pay 0% employee deduction. Only the employer contributes 2% for occupational hazard insurance. No pension or SANED applies to expats.
GOSI is capped at SAR 45,000 contributory wage. Any amount above this is not subject to GOSI deductions for either employee or employer.
Yes. All calculations run in your browser only. No data is sent to any server. QuickCalcs never collects or stores any salary information.