Saudi Salary + GOSI Calculator

Compute net monthly take-home and the GOSI split for Saudi private-sector salaries. Saudi nationals contribute 9.75% employee + 11.75% employer; expats are 0% / 2%. Contributions cap at 45,000 SAR/month of insurable base (basic + housing). Saudi has no personal income tax, so net = gross − employee GOSI.

Monthly breakdown

Gross monthly — SAR

GOSI base (capped at 45k) — SAR

Employee GOSI — SAR

Employer GOSI — SAR

Net take-home (you) — SAR

Employer total cost — SAR

Annualized (×12)

Annual gross — SAR

Annual net — SAR

Annual employer cost — SAR

Notes & sources

GOSI rate table per gosi.gov.sa (last updated 2025-07).
Insurable base = basic + housing; capped at 45,000 SAR/month.
Saudi nationals: 9.75% employee (retirement + SANED), 11.75% employer (retirement 9% + occupational hazards 2% + SANED 0.75%).
Non-Saudi (expat): 0% employee, 2% employer (occupational hazards only).
No personal income tax. Net = gross − employee GOSI. (VAT applies to consumption, not salary.)
Public-sector / PASD uses a separate system — not modeled here.
This is an estimator, not legal advice. For payslip-level edge cases consult your HR.