Breakdown
How it works
Saudi nationals: pension 9% employee + 9% employer, SANED unemployment 0.75% each, occupational hazards 2% employer. Expatriates: only the 2% occupational hazards, paid by the employer. Nationals joining the workforce from July 2024 see rates rise gradually to 11% each.
Formula
Worked example
SAR 12,000 wage, Saudi national: employee SAR 1,170, employer SAR 1,410, total SAR 2,580 a month.
Frequently asked questions
Do expats get anything from GOSI?
Occupational injury cover only — medical treatment and compensation for work accidents. No pension; end-of-service benefit is paid by the employer instead.
What counts as the contributory wage?
Basic + housing allowance (or 2 months' basic a year ÷ 12 if housing is provided). Transport and other allowances are excluded. Minimum SAR 1,500, maximum SAR 45,000.
When can Saudis draw a GOSI pension?
At 58–65 depending on the 2024 reforms and date of entry, with 25 years of contributions for a full pension (pension = average wage × years × 2.5%).