Payroll · GOSI
Salary Calculator — Saudi Arabia (GOSI)
Calculate monthly and annual salary, GOSI employee/employer shares, and net take-home for Saudi employees.
How is this calculated?
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Notes
- Includes the 2% SANID / occupational hazards portion (employer only) that took effect in 2024.
- Source: GOSI — Contribution Rates
- These calculators are for informational purposes only and are not financial, tax, legal, or professional advice. Verify the result with an official source or qualified advisor.
Saudi salary calculation has two extra pieces you do not see in many other countries: GOSI (the social insurance contribution) and a separate end-of-service accrual. This calculator shows your gross-to-net breakdown with the standard 9.75% GOSI employee share plus the 12.75% employer share, and annualizes the result so you can compare offers quickly.
How to use this calculator
- 1 Pick nationality (Saudi / non-Saudi). Non-Saudis in the private sector are typically not enrolled in GOSI under current rules.
- 2 Enter your basic salary, housing allowance, and any transport/other monthly allowances.
- 3 See monthly and annual net (take-home) and gross, with the GOSI employee and employer shares itemized.
Frequently asked questions
What is GOSI in Saudi Arabia?
GOSI (General Organization for Social Insurance) is the Saudi social insurance scheme. For Saudi employees, contributions are 9.75% from the employee and 12.75% from the employer, calculated on (basic salary + housing allowance) and capped at SAR 45,000 of monthly contributions. Since 2024, an additional 2% SANID / occupational hazards portion is included.
What is the GOSI percentage for employees in KSA?
9.75% of (basic + housing), withheld from the employee monthly. The employer pays an additional 12.75%. Both apply to Saudi employees in the private sector.
Are non-Saudi employees enrolled in GOSI?
Generally, no. Non-Saudi employees in the Saudi private sector are typically not subject to GOSI contributions under current rules. They may be enrolled in a medical insurance scheme via the employer.
Is housing allowance included in GOSI?
Yes. The GOSI wage is basic salary + housing allowance (it does not include transport or other allowances). The 9.75% employee and 12.75% employer shares are applied to that combined wage.
What is the GOSI cap?
The GOSI monthly contribution is capped at SAR 45,000. In practice, this means very high earners pay the same absolute GOSI amount as someone earning SAR 45,000 of basic + housing.