What is the contributory wage for GOSI in Saudi Arabia?

Under GOSI regulations, the contributory wage equals the Basic Salary + Housing Allowance (or actual company housing value), capped at a maximum of 45,000 SAR monthly.

How much is deducted from a Saudi employee salary for GOSI & Saned?

The Saudi employee contributes 9.75% in total (9% for retirement pension + 0.75% for Saned unemployment insurance). The employer contributes 11.75%.

🇸🇦 Compliant with GOSI & Saned Regulations 2026

Official 9.75% Deduction Ratio

💰

Saudi Gross to Net Salary Calculator

Accurately calculate your take-home monthly pay, GOSI social security deductions, Saned contributions, and employer share.

Employee Nationality

🇸🇦 Saudi Citizen (9.75% GOSI + Saned) 🌍 Expatriate Resident (0% Pension Deduction)

Basic Salary (SAR)

Housing Allowance (SAR)

Transportation Allowance (SAR)

Other Allowances (SAR)

Other Monthly Deductions (SAR)

Net Salary Breakdown

Net Take-Home Pay

Gross Total Salary --

Employee GOSI Deduction --

Employer GOSI Contribution --

Take-Home Pay Ratio --

Understanding Saudi Salary Structure & GOSI Contributory Wage

In the Kingdom of Saudi Arabia, employment contracts under the Ministry of Human Resources and Social Development (Qiwa) distinguish clearly between Basic Salary, Allowances, and Gross Package.

How GOSI Deductions Work in 2026:

Contributory Wage Formula: Basic Salary + Housing Allowance (capped at 45,000 SAR maximum per month).
Saudi Citizens: Employee deduction is 9.75% (9% for pension + 0.75% for Saned unemployment insurance). The company pays 11.75%.
Non-Saudi Expatriates: Expatriate employees have 0% deduction for pensions. The employer covers 2% occupational hazard insurance.

Frequently Asked Questions

No. According to GOSI regulations, transportation allowance, mobile allowance, and overtime are exempt from social insurance deductions.

Article 2 of the Saudi Labor Law defines the "Wage" for end-of-service gratuity as the actual full wage (Basic Salary + all regular fixed allowances like housing and transport).