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Saudi salary calculator: net pay after GOSI, with allowances

Work out your take-home pay in Saudi Arabia. Enter your basic wage, housing, transport and any other allowances, choose Saudi or non-Saudi, and the calculator takes off the GOSI social insurance deduction to show your net salary per month and per year. It knows which allowances GOSI counts, applies the SAR 1,500 floor and the SAR 45,000 cap, and uses the higher annuities rate that the 2024 Social Insurance Law phases in for new Saudi entrants. Every rate comes from gosi.gov.sa and is dated, and nothing you type leaves your device.

Quick answer

This calculator deducts GOSI contributions only. A Saudi employee under the Social Insurance Law of 1421H pays 9% of basic wage plus housing to the annuities branch and 0.75% to SANED, 9.75% in total. A Saudi whose first job started on or after 3 July 2024 is under the new law and pays 10% plus 0.75% from 1 July 2026. Nothing is deducted from a non-Saudi; the employer pays 2% for occupational hazards.

Based on GOSI (gosi.gov.sa) FAQ for employers · Page updated 19 October 2026

Employee nationality
Which GOSI law applies

As written in the contract or on the payslip.

Counted in the contributory wage.

Paid in full; not in the contributory wage.

Paid in full; not in the contributory wage.

Counted in the contributory wage. Leave empty if none.

Enter your salary details to see your GOSI deduction and net pay.

Employer or HR? See the employer share and full cost in the GOSI calculator

Next: Make a salary slip · Salary certificate · End of service calculator · Saudi end of service guide

How to use the Saudi Salary Calculator

  1. Choose Saudi or non-Saudi. If you are Saudi, choose whether you were in GOSI before 3 July 2024 or started your first job on or after that date.
  2. Enter your monthly basic wage, your housing allowance (or say the employer gives you housing), transport, other allowances and any monthly commission.
  3. Press Calculate net salary to see the GOSI deduction and your net monthly and yearly pay, then download the breakdown as a CSV file.

Which allowances GOSI deducts from

GOSI does not take its share from the whole package. It counts three things: the basic wage, the housing allowance, and monthly commissions or a percentage of sales. If your employer gives you a flat instead of a cash allowance, GOSI values that housing at two months of basic wage a year, which is one sixth of the basic wage each month. Transport, food, phone and other allowances are paid to you in full but are not on GOSI’s list, so they raise your net pay without raising the deduction. Example: basic SAR 6,000, housing SAR 1,500 and transport SAR 600 make a gross salary of SAR 8,100 but a contributory wage of SAR 7,500.

How much is deducted from a Saudi employee

Under the Social Insurance Law of 1421H the employee pays 9% of the contributory wage to the annuities (pension) branch and 0.75% to SANED, the unemployment insurance scheme, 9.75% in all. On a contributory wage of SAR 7,500 that is SAR 675 plus SAR 56.25, a deduction of SAR 731.25 a month and SAR 8,775 a year. GOSI says SANED stops automatically when the contributor reaches 60, so from that age only the annuities share is taken. The yearly figures in the calculator are the monthly ones multiplied by 12; bonuses, overtime and raises are not added.

New entrants under the 2024 Social Insurance Law

The new Social Insurance Law came into force on 3 July 2024. GOSI says it covers civil workers in the private and government sectors who join the labour market after that date and have no earlier contribution periods that were not paid out. For them the annuities share rises by 0.5% a year, for the employee and the employer alike, while SANED stays at 0.75%. If you were registered before 3 July 2024, or have earlier periods that were never compensated, the 9% rate of the 1421H law stays. GOSI’s published timetable:

  • 3 July 2024 (law in force): 9% employee, 9% employer
  • 1 July 2025: 9.5% employee, 9.5% employer
  • 1 July 2026: 10% employee, 10% employer
  • 1 July 2027: 10.5% employee, 10.5% employer
  • 1 July 2028: 11% employee, 11% employer

Non-Saudi employees

Non-Saudi workers are covered only by the occupational hazards branch. Its 2% contribution is paid entirely by the employer, so nothing is taken from a non-Saudi’s salary for GOSI and the net pay shown equals the gross cash salary. GOSI’s minimum wage for this branch is SAR 400 a month. Workers from other GCC countries come under a separate law that extends their home insurance cover, and this calculator does not model it.

The floor and the cap

GOSI’s minimum contributory wage is SAR 1,500 a month in the annuities branch and SAR 400 for workers in the hazards branch only. The maximum is SAR 45,000 a month, set in Article 19 of the Social Insurance Law. If your basic wage plus housing is above SAR 45,000, the deduction is worked out on SAR 45,000, so a Saudi under the 1421H law never pays more than SAR 4,387.50 a month.

What this calculator leaves out

We include only rules we could check on gosi.gov.sa. The calculator does not model the 10% yearly limit on raises to the contributory wage after age 50, part-month contributions when you join or leave mid-month, voluntary contributors, the civil and military pension laws, or GCC nationals. Other deductions such as loan repayments, absences or penalties depend on your contract and are not included. For your exact figure, check your record in the Taminaty (تأميناتي) app or ask HR. Once you know your net pay, you can turn it into a payslip or a salary certificate, or estimate your end-of-service award.

Sources

Each rate, cap, floor and date on this page was read on gosi.gov.sa on 19 October 2026. The figures are our own estimate built from those rules, not GOSI’s official calculation.

Frequently asked questions

How do I calculate my salary after the GOSI deduction in Saudi Arabia?

Add your basic wage, housing allowance and any commission to get the contributory wage, multiply it by 9.75% if you are Saudi under the 1421H law (10.75% for a new entrant from 1 July 2026), and subtract the result from your total salary including transport and other allowances. Non-Saudis have no GOSI deduction.

Is transport allowance included in the GOSI deduction?

No. GOSI counts only the basic wage, the housing allowance and commissions. Transport and other allowances are paid in full and do not change the deduction.

How much GOSI is deducted from a non-Saudi salary?

Nothing. For non-Saudi workers only the 2% occupational hazards contribution applies, and the employer pays all of it.

Why is my GOSI deduction 10.75% and not 9.75%?

You are probably under the new Social Insurance Law because your first job started on or after 3 July 2024. From 1 July 2026 the annuities share for these employees is 10%, plus 0.75% for SANED. It rises to 10.5% on 1 July 2027 and 11% on 1 July 2028.

Does GOSI count housing that my employer provides instead of paying an allowance?

Yes. GOSI values housing in kind at two months of basic wage a year, so one sixth of your basic wage is added to the contributory wage each month, even though you receive no cash for it.

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