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Zyntra OTAFree tool · Saudi Arabia
Saudi GOSI social insurance calculator
Type the basic wage and the housing allowance and see what the employee and the employer pay to the General Organization for Social Insurance each month, branch by branch.
Count social insurance
For a worker in the private sector in Saudi Arabia.
Figures as of 2026.
Source: Social Insurance Law of 1445H (Royal Decree M/273 of 26/12/1445H and its item «Third»), Articles 8, 15, 29 and 44, and its Implementing Regulation, Article 17, as published on gosi.gov.sa (read 5 November 2026).
Source: Social Insurance Law of 1421H, Articles 18 and 19, as published by the General Organization for Social Insurance on gosi.gov.sa (read 5 November 2026).
Source: Unemployment Insurance (SANED) Law, Article 7, and its Implementing Regulation, Article 3 bis, as published on gosi.gov.sa (read 5 November 2026).
Annuities and SANED are for Saudi workers; occupational hazards are paid by the employer for every worker. Some groups of workers have rules of their own that this tool does not count.
Counted in your browser: nothing you type is sent or kept.
How it is counted
Social insurance is counted on the basic wage and the housing allowance, up to 45,000 riyals a month (the 1421H law, Article 19; the 1445H law, Article 8 and its regulation, Article 17).
A Saudi worker who contributed before the new law came into force on 3 July 2024 stays under the 1421H law: 9% for annuities from the worker and 9% from the employer (Article 18). One first registered under the new law pays annuities by steps toward 11% each: 9%, then 9.5%, 10%, 10.5% and 11% after each further twelve months (Royal Decree M/273, item «Third»).
The employer also pays 2% for occupational hazards for every worker (the 1421H law, Article 18; the 1445H law, Article 29). SANED is paid half by each: the texts name 2%, and it may be changed by decision between 0.5% and 2% (the SANED Law, Article 7; the 1445H law, Article 44).
Social insurance on every payslip
Zyntra OS payroll takes each person's deductions off every payslip, each month, posts them to your accounts and keeps every line explained.
Questions and answers
How much GOSI is taken from a Saudi employee's wage?
Under the 1421H law, 9% for annuities and half of SANED. Under the new 1445H law, annuities rise by steps from 9% toward 11%, plus half of SANED.
How much does the employer pay?
The same annuities share as the employee for a Saudi worker, half of SANED, and 2% for occupational hazards for every worker.
What does GOSI cost for a worker who is not Saudi?
2% of the wage for occupational hazards, paid by the employer. Annuities and SANED are for Saudi workers.
Which wage is GOSI counted on?
The basic wage and the housing allowance, up to 45,000 riyals a month.
What changed with the new Social Insurance Law?
For a worker first registered from 3 July 2024, annuities rise by steps to 22% of the wage, 11% each, and SANED is set at 2% (1% each) in its text.
Is this the amount on my GOSI statement?
It is an estimate by the published texts, not legal advice. Your GOSI statement shows what is actually counted on your wage.
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