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GOSI contributions calculator

Employer share and employee deduction across the annuities, occupational-hazards and SANED branches, including the gradual increase under the new Social Insurance Law 1445H

Calculate for
Enter wages as they appear on the GOSI invoice (after the per-employee floor and ceiling). Leave an empty category blank.

What employers and contributors should know (from the GOSI guide for new contributors, 1445H)

  • The new law covers labour-market entrants with no contribution periods in the civil pension or social insurance systems before 3 July 2024, in the private sector or the public civil sector.
  • The gradual increase applies to the annuities branch only: 0.5% per year from 1 July 2025 to 1 July 2028, reaching 11% for each of the contributor and the employer instead of 9%.
  • Insurance coverage and contribution periods are suspended when unpaid contributions reach 6 months, or on bankruptcy, liquidation or cessation of activity, final departure from the Kingdom, enforcement by sale against the employer, or death of the employer in sole proprietorships (Article 35 of the implementing regulations).
  • When suspended periods are reactivated, the settlement due is added to the next invoice, and the establishment must pay within two months of reactivation.
  • Notifications reach the establishment inside its GOSI account, and the contributor by SMS, email and GOSI app notifications before and upon suspension.

Method note: Rates applied: annuities 9% per party (rising gradually for the new law 1445H per the official schedule to 11%), occupational hazards 2% paid by the employer for all workers, SANED 0.75% per party for Saudis, with a contributory-wage floor of SAR 1,500 and ceiling of SAR 45,000 (SAR 400 floor outside the annuities branch). The rate in force is determined from today's date. GCC nationals follow their home-country schemes and are not covered here. The final reference is the GOSI invoice in the establishment's account.

How the calculator works

Choose Establishment and enter the total contributory wages for each group of employees, or choose Employee and enter your contributory wage and category. The tool applies today's annuities, occupational-hazards and SANED rates and, for new-law 1445H contributors, shows the gradual-increase schedule through July 2028.

Frequently asked questions

How much does GOSI deduct from a Saudi employee's salary?

9.75% for contributors registered before 3 July 2024 (9% annuities + 0.75% SANED). Under the new 1445H law the annuities rate rises 0.5% every July: 10% from 1 July 2026 (10.75% with SANED), 10.5% from 1 July 2027 (11.25%), and 11% from 1 July 2028 (11.75%).

How much does the employer pay per employee?

11.75% for a Saudi registered before 3 July 2024 (9% annuities + 0.75% SANED + 2% occupational hazards), for a new-law 1445H employee 12.75% from 1 July 2026, 13.25% from 1 July 2027 and 13.75% from 1 July 2028; and 2% only for a non-Saudi.

What is the contributory wage?

Basic salary plus housing allowance, with a floor of SAR 1,500 and a ceiling of SAR 45,000 per month (SAR 400 floor outside the annuities branch).

Is anything deducted from a non-Saudi employee's salary?

No. Non-Saudis are covered by the occupational-hazards branch only, paid by the employer at 2%.

Who is covered by the new 1445H law?

Labour-market entrants with no contribution periods in the civil pension or social insurance systems before 3 July 2024.

When are contribution periods suspended?

When unpaid contributions reach 6 months, or on bankruptcy, liquidation, final departure from the Kingdom, enforcement by sale against the employer, or death of the employer in sole proprietorships.