Saudi Arabia Salary After GOSI Calculator

1. 1Contributory wage = basic + housing, floored at 1500 and capped at 45000 SAR
2. 2Saudi: annuities 9.00% + SANED 0.75% from the employee
3. 3Non-Saudi: nothing from the employee, and the employer pays 2.00% occupational hazards
4. 4Take-home = gross salary − employee deduction

Symbols

contributory wage

Basic plus housing only, not every allowance, and held between a floor and a cap

employee deduction

Annuities plus SANED, worked out on the contributory wage rather than on gross pay

employer share

Paid on top of your salary, never taken out of it

What comes off a 10,000 SAR salary?

A Saudi employee earns a basic salary of 8,000 SAR, a housing allowance of 2,000 SAR and other allowances of 500 SAR, a monthly total of 10,500 SAR.

1. Contributory wage: 8,000 + 2,000 = 10,000 SAR (transport and other allowances are excluded)
2. Registered before 3 July 2024: deduction 9.75% × 10,000 = 975 SAR, net salary 10,500 − 975 = 9,525 SAR
3. New subscriber registered after 3 July 2024, in 2026: deduction 10.75% × 10,000 = 1,075 SAR, net salary 9,425 SAR
4. Employer share for the legacy subscriber: 11.75% × 10,000 = 1,175 SAR, which never appears on your payslip

If the same employee were non-Saudi, nothing would be deducted and the full 10,500 SAR would be paid, with the employer paying just 200 SAR (2% occupational hazards). The gap between 975 and 1,075 SAR is what calculators that apply 9.75% to everyone miss.

What counts towards the contributory wage?

The General Organization for Social Insurance (GOSI) deducts a Saudi employee's share from the contributory wage, which is the basic salary plus the housing allowance only, capped at 45,000 SAR with a floor of 1,500 SAR (worth confirming). Transport and other allowances sit outside the contributory wage, but they are added to your net pay in full.

For Saudis registered before 3 July 2024 the rate is fixed: 9% for the annuities branch and 0.75% for unemployment insurance (SANED), 9.75% of the contributory wage in total. The employer pays 11.75% for them: 9% annuities, 0.75% SANED and 2% occupational hazards.

Saudis first registered on or after 3 July 2024 fall under the new Social Insurance Law issued by Royal Decree M/273, which raises the annuities contribution by half a percentage point every July, from 9% (2024) to 11% (July 2028). The employee share therefore moves from 9.75% to 10.25%, 10.75%, 11.25% and finally 11.75%, and the employer's annuities share rises in the same steps. Non-Saudis have no deduction at all; the employer pays only 2% for occupational hazards. Most calculators online still apply a flat 9.75% to everyone and get new subscribers wrong.

• Contributory wage = basic salary + housing allowance, capped at 45,000 SAR
• Registered before 3 July 2024: flat 9.75% deduction (9% annuities + 0.75% SANED)
• New subscriber registered on or after 3 July 2024: 10.75% since July 2026, rising half a point each July to 11.75% in July 2028
• Non-Saudi: no employee deduction; the employer pays 2% for occupational hazards