What This Calculator Estimates
GOSI (General Organization for Social Insurance) is Saudi Arabia's social insurance scheme, funded by mandatory contributions from both employer and employee on a percentage of salary, covering benefits like pensions, occupational hazards, and unemployment insurance (SANED) for Saudi nationals, with a narrower scope for non-Saudi employees. Contribution rates differ depending on nationality and whether the employee is covered under the full scheme or the reduced expatriate scheme. Because GOSI periodically adjusts rates and salary caps, this calculator keeps the percentage editable so your estimate can reflect the current applicable rate.
How to Use This Calculator
- Enter monthly salary.
- Enter the contribution rate.
- Click Estimate GOSI.
- Review the monthly and annual estimate.
- Verify official payroll rules before relying on the result.
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Tips for a More Accurate Estimate
- Confirm whether you fall under the Saudi national or non-Saudi contribution category before entering a rate.
- Check GOSI's current salary ceiling, since contributions typically don't apply above a certain threshold.
- Remember SANED unemployment insurance is a separate component from the core pension contribution for Saudi nationals.
- Cross-check this estimate against your payslip, since employers apply GOSI's exact rates automatically.
- Revisit your rate assumption whenever GOSI announces regulatory updates.
Frequently Asked Questions
Do Saudi nationals and expatriates pay the same GOSI rate?
No. Saudi nationals are covered under a broader scheme including pensions and SANED unemployment insurance, while non-Saudi employees are typically covered only for occupational hazards, resulting in different contribution rates.
Is GOSI paid by the employee, employer, or both?
Both. Employers and employees each contribute a percentage of salary, with the employer's share typically higher for Saudi nationals due to the broader benefit coverage.
Is there a salary cap for GOSI contributions?
Yes, GOSI applies contribution ceilings on salary, meaning earnings above a certain threshold aren't subject to additional contributions. Check GOSI's official schedule for current caps.
How often does GOSI update its rates?
Rates and thresholds can be revised through GOSI regulations, so it's worth checking the official GOSI portal periodically, especially after any announced policy changes.
Does this calculator apply automatically to my nationality category?
No, you need to enter the rate applicable to your specific category (Saudi or non-Saudi) manually, since the calculator uses a single editable rate field.
Last updated: May 11, 2026