GOSI
التأمينات الاجتماعية
Definition
The General Organization for Social Insurance (GOSI) is Saudi Arabia's social security system that provides pension, disability, occupational hazard, and unemployment insurance (SANED) to employees. Saudi nationals contribute 21.5% of salary (split employer/employee), while expats contribute 2% for occupational hazards only.
Why GOSI Matters in Saudi Arabia
Understanding GOSI is essential for any business operating in Saudi Arabia. The Kingdom's Vision 2030 economic transformation plan places heavy emphasis on labor market reform and nationalization. Companies that fail to comply with employment regulations face significant penalties including fines, service suspension, and visa blocks. Whether you are an HR manager, business owner, or employee, mastering this concept helps ensure compliance and operational continuity in the Saudi market.
GOSI Contribution Rates
| Component | Saudi Employer | Saudi Employee | Expat Employer |
|---|---|---|---|
| Annuity (Pension) | 9% | 9% | — |
| Occupational Hazards | 2% | — | 2% |
| SANED (Unemployment) | 0.75% | 0.75% | — |
| Total | 11.75% | 9.75% | 2% |
Use our GOSI Calculator to compute exact monthly contributions based on salary.
🔗 Related KSA Calculator
🇸🇦Free online tool — calculate instantly with the latest 2025/2026 rules