Updated based on 2026 laws/rates — always verify with the official authority.
Saudi Arabia - Social Insurance
Estimated calculator and practical guide for social insurance in Kuwait, Saudi Arabia and UAE. Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. This calculator is an estimate and the official authority should always be checked.
Manual rate override: This content is practical guidance; always review your contract and the official authority in a dispute.
Social Insurance Calculator
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. This calculator is an estimate and the official authority should always be checked.
For GCC nationals working in another GCC state, the extension protection system applies the employee’s home-country rates and caps, while respecting the employer-share limit in the country of work and adding occupational hazard cover where applicable.
Estimated result
Employee share-
Employer share-
Government support-
Employee-borne extension difference-
Host-country occupational hazards-
Total-
Approx. net-
Employer cost-
Social Insurance
| Who is covered? | Saudi treatment differs between Saudi and non-Saudi workers. Saudis are generally covered for annuities, SANED and occupational hazards; non-Saudis are generally covered for occupational hazards paid by the employer. |
|---|---|
| What wage is subject to contributions? | The contributory wage is based on GOSI definitions and may include basic salary and regular allowances such as housing depending on the applicable definition. |
| Employee share | The current simplified model uses Saudi existing-system employee share 9.75%; non-Saudi employee share 0%. |
| Employer share | The simplified model uses Saudi employer share 11.75%; non-Saudi employer share 2% occupational hazards. |
| Maximum cap | GOSI caps and new-system transition rules should be checked; custom rates are available. |
| Difference between social insurance and end-of-service | Social insurance is a monthly contribution for pension/social protection, while end-of-service is an employment termination settlement and may apply to workers not covered by pension schemes. |
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. This calculator is an estimate and the official authority should always be checked.
Report an outdated rate or cap
If you notice that a rate or cap has changed, flag it before relying on the result.
Report an outdated rate or cap
If you notice that a rate or cap has changed, flag it before relying on the result.
Report an outdated rate or cap
Insurance Academy
Learn how social insurance is calculated step-by-step with worked examples for Kuwait, Saudi Arabia, UAE and GCC extension protection cases.
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