Saudi Salary Calculator: Net Pay After GOSI and Saned (2026 Guide)

Understanding your salary in Saudi Arabia means knowing exactly how GOSI social insurance and Saned unemployment deductions affect your take-home pay. Our free Saudi Salary Calculator helps you calculate this instantly.

What is GOSI?

GOSI (General Organization for Social Insurance) is Saudi Arabia's mandatory social insurance system. For Saudi nationals, 9.75% of your gross salary (capped at SAR 45,000/month) is deducted for pension, disability, and death benefits. Your employer contributes an additional 9.75%. For non-Saudi employees, only the employer pays 2% for occupational hazards.

What is Saned?

Saned is the unemployment insurance program for Saudi nationals only. A 1% deduction (capped at SAR 15,000/month) is taken from your salary, with your employer matching another 1%. It provides up to 60% of your registered salary for up to 12 months if you lose your job involuntarily.

How to Calculate Net Salary

Net Salary = Gross Salary - GOSI - Saned. Example: SAR 15,000 gross for a Saudi national = 15,000 - (15,000 x 9.75% = 1,462.50) - (15,000 x 1% = 150) = SAR 13,387.50 net. Non-Saudis: no deductions from salary, so net = gross.

Why No Income Tax?

Saudi Arabia has zero personal income tax on salaries for both nationals and expats. This makes it one of the most attractive destinations for tax-free income. Use our Saudi Salary Calculator to plan your finances.

Saudi salary calculator for common gross salaries

For Saudi nationals, the combined monthly deduction is 9.75% GOSI plus 1% Saned. GOSI applies to the full contribution wage up to SAR 45,000; Saned applies only to the first SAR 15,000.

At SAR 8,000 gross, GOSI = 8,000 × 0.0975 = SAR 780 and Saned = 8,000 × 0.01 = SAR 80, so net pay = 8,000 − 780 − 80 = SAR 7,140.

At SAR 20,000 gross, GOSI = 20,000 × 0.0975 = SAR 1,950 and Saned = 15,000 × 0.01 = SAR 150, so net = 20,000 − 1,950 − 150 = SAR 17,900. At SAR 30,000, GOSI = 2,925 and Saned = 150, so net = 26,925. At SAR 45,000, GOSI = 4,387.50 and Saned = 150, so net = 40,462.50.

• Saudi, SAR 8,000 gross → SAR 7,140 net
• Saudi, SAR 20,000 gross → SAR 17,900 net
• Saudi, SAR 30,000 gross → SAR 26,925 net
• Saudi, SAR 45,000 gross → SAR 40,462.50 net

Non-Saudi employees at the same gross amounts keep the full salary because no employee GOSI or Saned amount is withheld. Use the Saudi Salary Calculator to enter a different gross amount and get the exact net pay.

How the GOSI 45,000 cap and Saned 15,000 cap work

The GOSI contribution base stops at SAR 45,000 per month, and the Saned base stops at SAR 15,000 per month. A salary above either cap does not increase the deduction.

For a Saudi employee earning SAR 50,000 gross, GOSI = 45,000 × 0.0975 = SAR 4,387.50. Saned = 15,000 × 0.01 = SAR 150. Net pay = 50,000 − 4,387.50 − 150 = SAR 45,462.50. The same SAR 4,537.50 total deduction applies at SAR 60,000, SAR 80,000, and SAR 100,000 gross.

• GOSI cap: contributions calculated on first SAR 45,000
• Saned cap: contributions calculated on first SAR 15,000
• High earner deduction: fixed at SAR 4,387.50 GOSI + SAR 150 Saned

Check the capped amount in the Saudi Salary Calculator by entering a gross salary above SAR 45,000.

Total employer cost for a Saudi employee

For Saudi private sector employees, the employer pays three contributions: 9.75% GOSI pension, 1% Saned, and 2% occupational hazards. The employee pays 9.75% GOSI and 1% Saned.

On a SAR 12,000 gross salary, employee GOSI = 12,000 × 0.0975 = SAR 1,170 and employee Saned = 12,000 × 0.01 = SAR 120. Net pay = 12,000 − 1,170 − 120 = SAR 10,710.

Employer pension = 12,000 × 0.0975 = SAR 1,170, employer Saned = 12,000 × 0.01 = SAR 120, and occupational hazards = 12,000 × 0.02 = SAR 240. Total employer contributions = 1,170 + 120 + 240 = SAR 1,530, so total monthly employer cost = 12,000 + 1,530 = SAR 13,530.

• Employee deductions: 9.75% GOSI + 1% Saned = 10.75%
• Employer contributions: 9.75% GOSI + 1% Saned + 2% occupational hazards = 12.75%
• Non-Saudi employer only: 2% occupational hazards

Use the Saudi Salary Calculator for employee net pay, and add employer percentages separately for total monthly cost.

Related tools and guides

• Saudi Salary Calculator — estimate net pay after GOSI and Saned deductions.
• Salary Calculator — compute take-home pay with custom tax and deduction inputs.
• UAE Salary Calculator — compare tax-free net salary in the UAE.
• Salary Calculator Guide — see formulas, worked examples, and deduction methods.