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.