Net Salary After GOSI Calculator 2026
The new social insurance system started July 2024 with rates rising every July. Calculate your exact deduction.
Basic salary + housing allowance (capped at SAR 45,000).
Monthly deduction from your salary
0
Your monthly take-home pay
0
Annual step-up schedule (new system)
| Year | Employee share | Employer share* |
|---|---|---|
| 2024 | 9.75% | 11.75% |
| 2025 | 10.25% | 12.25% |
| 2026 | 10.75% | 12.75% |
| 2027 | 11.25% | 13.25% |
| 2028 | 11.75% | 13.75% |
* Includes 2% occupational hazard + 0.75% SANED. The new system applies only to those first registered on/after 3 July 2024; everyone else stays on the fixed old system (9.75%).
FAQs
I'm an expat earning 4,000 — how much is deducted?
Zero. Expats are not covered by pension or SANED; your employer only pays 2% occupational hazard for you.
Saudi registered since 2020, salary 8,000 — deduction?
SAR 780/month (9.75%), take-home SAR 7,220. You're on the fixed old system, unaffected by the step-up.
What is SANED?
Unemployment insurance for Saudis: 0.75% employee + 0.75% employer, paying benefits on qualifying job loss.