GOSI calculator 2026/27: Saudi salary after deductions

Saudi salary after GOSI deductions for 2026/27: annuities and SANED for Saudis on the old and new systems, nothing for expatriates, on basic plus housing.

Gross pay

Paid per

Your take-home pay

Take-home pay a year: SAR 109,470.00
Take-home pay a month: SAR 9,122.50

Your details

Nationality

First insured with GOSI

Basic salary, % of total pay

e.g. 7,000 basic of 10,000 total = 70%.

Housing allowance, % of total pay

The rest is transport and other allowances.

Housing provided by the employer

Counted as 2 months' basic a year.

Breakdown of your pay

Take-home 91.2%
Social contributions 8.8%

Pay and deductions per year, month and week
Item	Year	Month
Gross pay	SAR 120,000.00	SAR 10,000.00
GOSI annuities (pension, 9%)	−SAR 9,720.00	−SAR 810.00
SANED unemployment insurance (0.75%)	−SAR 810.00	−SAR 67.50
Take-home pay	SAR 109,470.00	SAR 9,122.50

Effective tax rate:: 8.8%tax, social contributions and loan repayments as a share of gross pay
Marginal rate:: 8.8%of your next unit of pay

Not deducted from your pay

Employer GOSI (annuities 9%, SANED 0.75%, hazards 2%)SAR 12,690.00 a year

How this was worked out

Your monthly pay of SAR 10,000.00: basic SAR 7,000.00, housing SAR 2,000.00, transport and other allowances SAR 1,000.00. There is no income tax on salaries in Saudi Arabia.
Contributions on a contributory wage of SAR 9,000.00 a month (basic plus housing, between SAR 1,500 and SAR 45,000).
Annual figures in riyals, to the halala. GOSI contributions are worked out on the monthly contributory wage (pay divided by 12) and multiplied by 12.

Tax year 2026/27 (GOSI rates from 1 July 2026 to 30 June 2027) · last checked 23 Sept 2026 · Sources: GOSI: Contributor FAQ (rates and wage limits); GOSI: New Social Insurance Law, employer guide; Saudi Press Agency: Council of Ministers approves the new Social Insurance Law; ZATCA: Income tax (who pays it). Estimate, not financial or tax advice. Calculated in your browser; nothing is sent.

How it works

This GOSI calculator works out a Saudi Arabian salary after deductions for the 2026/27 contribution year (GOSI rates from 1 July 2026 to 30 June 2027). There is no income tax on salaries in Saudi Arabia, so the only deductions from an employee's pay are the social insurance contributions to GOSI: the annuities (pension) branch and SANED unemployment insurance, both charged on basic salary plus housing allowance.

Saudis insured before 3 July 2024 pay 9.75% of that wage (9% annuities plus 0.75% SANED); Saudis first insured from 3 July 2024 are on the new Social Insurance Law, whose annuities rate is 10% from July 2026 and rises to 11%. Non-Saudi employees pay nothing. A Saudi on SAR 10,000 a month (basic 70%, housing 20%) takes home SAR 9,122.50 a month.

Everything is worked out in your browser. It is an estimate for private-sector employees, not financial advice: commissions and other items GOSI counts in the wage, public-sector pension schemes and GCC nationals' home-country rates need their own figures.

Take-home pay on common salaries (2026/27)

Figures for a Saudi employee insured before 3 July 2024, with basic salary 70% and housing allowance 20% of pay.

Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.

Take-home pay by salary, Saudi Arabia, 2026/27
Salary	Annuities	SANED	Take-home a year	A month
SAR 48,000	SAR 3,888	SAR 324	SAR 43,788	SAR 3,649
SAR 60,000	SAR 4,860	SAR 405	SAR 54,735	SAR 4,561
SAR 72,000	SAR 5,832	SAR 486	SAR 65,682	SAR 5,474
SAR 96,000	SAR 7,776	SAR 648	SAR 87,576	SAR 7,298
SAR 120,000	SAR 9,720	SAR 810	SAR 109,470	SAR 9,123
SAR 150,000	SAR 12,150	SAR 1,013	SAR 136,837	SAR 11,403
SAR 180,000	SAR 14,580	SAR 1,215	SAR 164,205	SAR 13,684
SAR 240,000	SAR 19,440	SAR 1,620	SAR 218,940	SAR 18,245
SAR 300,000	SAR 24,300	SAR 2,025	SAR 273,675	SAR 22,806
SAR 360,000	SAR 29,160	SAR 2,430	SAR 328,410	SAR 27,368
SAR 480,000	SAR 38,880	SAR 3,240	SAR 437,880	SAR 36,490
SAR 600,000	SAR 48,600	SAR 4,050	SAR 547,350	SAR 45,613
SAR 900,000	SAR 48,600	SAR 4,050	SAR 847,350	SAR 70,613

How GOSI deductions work

GOSI contributions are a percentage of the contributory wage: your basic salary plus your housing allowance, or, if your employer provides housing, a value equal to two months of basic salary spread over the year. Transport and other allowances are not included. The contributory wage is capped at SAR 45,000 a month, so the highest a Saudi on the old system pays is SAR 4,387.50 a month.

For Saudi employees the employer pays the same annuities and SANED rates again on top of the salary, plus 2% for occupational hazards. For non-Saudi employees the employer pays only the 2% occupational hazards contribution and nothing is deducted from the employee.

Old system or new system: 9% or a rising rate

The Social Insurance Law that came into force on 3 July 2024 applies to people first insured on or after that date. Their annuities rate started at the old 9% for the employee and the employer, and it rises by half a percentage point each July from 2025 until it reaches 11% in July 2028. From July 2026 to June 2027 it is 10%.

Everyone insured before 3 July 2024 keeps the 9% rate. SANED stays at 0.75% for both groups. The new law also changes the retirement age and the service needed for an early pension, which do not affect your monthly pay.

Expatriates: no GOSI deduction, an end-of-service award instead

Non-Saudi employees are covered only by the occupational hazards branch, which the employer pays, so their net salary equals their gross salary. At the end of the contract they receive the end-of-service award under the Saudi Labor Law, which is paid by the employer and never deducted from monthly pay.

Saudi end-of-service calculator: Labor Law Articles 84 and 85
UAE salary calculator: pension for UAE nationals and ILOE

GOSI contribution rates 2026/27

Branch	Saudi employee	Employer (Saudi)	Non-Saudi employee	Employer (non-Saudi)
Annuities (pension), insured before 3 July 2024	9%	9%	0%	0%
Annuities (pension), first insured from 3 July 2024	10%	10%	0%	0%
SANED (unemployment insurance)	0.75%	0.75%	0%	0%
Occupational hazards	0%	2%	0%	2%

Rates are charged on the contributory wage: basic wage plus housing allowance (housing provided in kind counts as 2 months' basic wage a year), from SAR 1,500 up to SAR 45,000 a month. Transport and other allowances are not included. No income tax is deducted from salaries.

Annuities rate under the new Social Insurance Law

People first insured on or after 3 July 2024 pay a rate that rises by half a point each year until it reaches the final rate; employer and employee pay the same.

From	Employee	Employer
July 2024	9%	9%
July 2025	9.5%	9.5%
July 2026	10%	10%
July 2027	10.5%	10.5%
July 2028	11%	11%

Everyone insured before 3 July 2024 stays on the old rate.

Sources and last check

Tax year 2026/27 (GOSI rates from 1 July 2026 to 30 June 2027). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.

This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.

Salary after tax in other countries: every country calculator

Sources: GOSI: Contributor FAQ (rates and wage limits) (checked 2026-09-23); GOSI: New Social Insurance Law, employer guide (checked 2026-09-23); Saudi Press Agency: Council of Ministers approves the new Social Insurance Law (checked 2026-09-23); ZATCA: Income tax (who pays it) (checked 2026-09-23)

How to use it

Type your total salary (basic plus all allowances) per month or per year.
Choose your nationality; Saudis also choose whether they were first insured before or after 3 July 2024.
Set your basic salary and housing allowance as a share of total pay, or tick "Housing provided by the employer" if you get accommodation instead of an allowance.
Read your net pay per month and per year, the annuities and SANED deductions, your employer's contributions and the contributory wage they are based on.

Frequently asked questions

How much GOSI is deducted from a Saudi salary?

9.75% of basic salary plus housing for Saudis insured before 3 July 2024: 9% for annuities and 0.75% for SANED. Saudis first insured from 3 July 2024 pay 10.75% from July 2026. The contributory wage is capped at SAR 45,000 a month.

What is SAR 10,000 a month after GOSI?

With a basic salary of SAR 7,000 and housing of SAR 2,000, a Saudi on the old system takes home SAR 9,122.50 a month (SAR 109,470 a year). Your own figure depends on how your pay splits between basic, housing and other allowances, which you can set in the calculator.

Do expats pay GOSI?

No. Non-Saudi employees have no GOSI deduction from their salary; the employer pays 2% of the contributory wage for occupational hazards cover. GCC nationals are the exception: they contribute under their own country's scheme.

What is the GOSI rate for employees who joined after July 2024?

Under the new Social Insurance Law, Saudis first insured from 3 July 2024 pay an annuities rate that rises by half a point each July until 11% in 2028. It is 10% from July 2026 to June 2027, plus 0.75% SANED, and the employer pays the same again.

Is GOSI calculated on basic salary or total salary?

On basic salary plus housing allowance (commissions and sales or profit percentages count as part of the basic wage). Transport and other allowances are not included. If your employer provides accommodation, housing counts as two months of basic salary a year.

Is there income tax on salaries in Saudi Arabia?

No. Income tax in Saudi Arabia is charged on businesses, such as the non-Saudi share of a company's profits, not on employees' salaries, whether Saudi or expatriate. The only deductions from pay are GOSI contributions.

What is the maximum GOSI deduction?

The contributory wage is capped at SAR 45,000 a month, so a Saudi on the old system pays at most SAR 4,387.50 a month. Anything you earn above that in basic salary and housing has no further deduction.

How much does my employer pay to GOSI?

For a Saudi employee, the same annuities and SANED rates as you plus 2% occupational hazards, all on the contributory wage; for a non-Saudi, only the 2%. The calculator shows the employer's total under the breakdown. It is paid on top of your salary, not deducted from it.