Unofficial estimate based on GOSI's published formulas — current law and the new law 1445H
Method note: Unofficial estimate built on the formulas published by the General Organization for Social Insurance: under the current law, pension for the period before 1/1/1422H = average wage × months ÷ 600 with the dependents addition (10% / 15% / 20%) on that part, and ÷ 480 for the period after, with a SAR 1,983.75 minimum; under the new law 1445H = 2.25% × the average of the last 180 months × months ÷ 12, with a SAR 4,000 minimum for 480 months. Disability and death pensions and the new law's early-retirement factors are not covered. The final reference is the official Tameenati calculator.
Choose your track (registered before 3 July 2024 or the new 1445H law), then enter your average contributory wage and contribution period in months or years. Under the current law you can split months before and after 1/1/1422H and add dependents for a more precise estimate.
For contributors registered before 3 July 2024: average wage over the last two years × contribution months ÷ 480 (÷ 600 for months before 1/1/1422H, with a dependents increase of 10%, 15% or 20%), with a minimum of SAR 1,983.75 per month.
Pension = 2.25% × the average wage over the last 180 months × contribution months ÷ 12, i.e. about 67.5% of the average wage after 30 years, with a minimum of SAR 4,000 for 480 months.
Under the current law, a contributor with 300 actual contribution months who has left work covered by the law may request the pension before age 60.
The pension does not exceed 100% of the average contributory wage, and the contributory wage ceiling is SAR 45,000.
No. It is an unofficial estimate using the published formulas; the final reference is the Tameenati calculator of the General Organization for Social Insurance.