GOSI Net Salary Calculator (Saudi Arabia)
Enter your basic salary, housing and other allowances to see exactly how much GOSI takes each month and what lands in your account.
Free • No sign-up • Instant results
Not subject to GOSI contributions
Loan installments or advances taken from payroll
Saudi employees pay 9% for pensions plus 0.75% for SANED (unemployment insurance). For new subscribers after July 2024 the pension share rises by 0.5% a year until it reaches 11%. Expats pay nothing — the employer pays 2% for occupational hazards.
Monthly take-home pay
13,500 SAR
Per year: 162,000 SAR
How it works
What GOSI is charged on
Contributions are calculated on basic salary plus housing allowance only, between SAR 1,500 and SAR 45,000 a month. Transport and other allowances are not included.
Saudi vs expat rates
Saudi employees pay 9% for pensions plus 0.75% for SANED (9.75% in total). For people who joined after July 2024 the pension share rises by 0.5% a year up to 11%. Expats pay nothing — the employer pays 2% for occupational hazards.
Frequently asked questions
How much GOSI is deducted for expats in Saudi Arabia?
Nothing comes out of an expat's salary. The employer pays 2% of basic + housing to cover occupational hazards.
How much GOSI is deducted for Saudis?
9.75% of basic salary plus housing for those registered before July 2024 (9% pension + 0.75% SANED). It rises gradually for newer subscribers.
Is transport allowance included in GOSI?
No. GOSI is based only on basic salary and housing allowance.