A quick reference for current GOSI (General Organization for Social Insurance) rates in Saudi Arabia. For a full take-home pay estimate, use the Saudi salary calculator.
| Category | Employee | Employer | Combined |
|---|---|---|---|
| Saudi national — registered before 3 Jul 2024 | 9.75% | 11.75% | 21.5% |
| Saudi national — registered 3 Jul 2024+ (Jan–Jun 2026) | 10.25% | 12.25% | 22.5% |
| Saudi national — registered 3 Jul 2024+ (Jul–Dec 2026) | 10.75% | 12.75% | 23.5% |
| Non-Saudi (expatriate) | 0% | 2% | 2% |
| Branch | Covers | Who pays |
|---|---|---|
| Annuities (pension) | Retirement, disability, death benefits | Saudi nationals only — employee + employer |
| SANED | Unemployment insurance | Saudi nationals only — 0.75% employee + 0.75% employer |
| Occupational Hazards | Workplace injury, disability, death | All employees — 2%, employer-funded only |
The "new system" rates above are on a published multi-year phased increase and will rise again after 2026. These figures were researched in August 2026 — confirm current rates directly with GOSI before using them for payroll or compliance decisions.