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Saudi Social Insurance Estimator

Calculate your expected GOSI retirement pension and social insurance contributions

Employee and Salary Information
SAR
Maximum subscribable wage: 45,000 SAR
years
years
years
Normal retirement age: 60 for men, 55 for women
GOSI Pension Rules and Eligibility
Pension Calculation Formula

Monthly Pension = (Average Salary of Last 2 Years x Months of Contribution) / 480

Example: 10,000 SAR salary x 300 months (25 years) / 480 = 6,250 SAR monthly

GOSI Contribution Rates
Branch Employee Share Employer Share Total
Annuities Branch 9.75% 9.75% 19.5%
Occupational Hazards - 2% 2%
Total 9.75% 11.75% 21.5%
Pension Eligibility Requirements
  • Normal Retirement: Reaching age 60 for men or 55 for women with at least 120 months (10 years) of contribution
  • Early Retirement: At least 300 months (25 years) of contribution regardless of age
  • Lump Sum Settlement: For those who have not completed 120 months of contribution and are not eligible for pension
  • Minimum Pension: 1,984 SAR per month
  • Maximum Pension: Cannot exceed 100% of the average salary of the last 2 years
Cases for Lump Sum Settlement
  • If the subscriber transfers to a job under the civil or military retirement system
  • If the contribution period is less than one year and the subscriber leaves work
  • If working in hazardous or health-damaging occupations as per specified conditions
  • If sentenced to imprisonment for 5 years or more
  • Female subscriber who leaves work within 6 months of marriage
Important Notes
  • This calculator provides estimates only. Actual results may vary based on individual case details
  • Pension is calculated based on the average salary of the last 2 years of contribution
  • Maximum subscribable wage is 45,000 SAR
  • Contribution periods from multiple employers can be combined
  • For accurate information, please visit the official GOSI website at gosi.gov.sa
Frequently Asked Questions

Normal retirement is at age 60 for men or 55 for women with at least 120 months of contribution. Early retirement can be applied for after completing 300 months (25 years) of contribution regardless of age, but the subscriber must leave the insured employment.

Yes, a retiree can return to work while continuing to receive the retirement pension. If the retiree returns to work covered by GOSI, they will be re-registered and the pension will be recalculated upon the end of the new service.

The maximum subscribable salary in GOSI is 45,000 SAR per month. Any amount exceeding this limit is not included in the contribution and does not affect the pension calculation.

The pension is distributed among eligible family members according to GOSI regulations. Eligible dependents include: widow(s), sons (up to age 21 or 26 if students), unmarried daughters, and dependent parents. The pension is distributed equally among eligible dependents.

All contribution periods are automatically combined in the GOSI system under your unified subscription number. You can verify your contribution periods through the GOSI app or website at gosi.gov.sa. If you have contribution periods under the civil or military retirement system, you can request to combine them.

Estimating Your GOSI Pension and Contributions

This estimator helps you understand your social insurance position with the General Organization for Social Insurance (GOSI) in Saudi Arabia. It lets you approximate the monthly contributions deducted during your working years and the retirement pension you may expect to receive afterward, so you can plan your long-term finances with a clearer picture.

GOSI contributions are normally based on your contributory wage and are shared between the employee and the employer, covering the pension branch and occupational hazards. The pension you eventually receive generally depends on your average wage over a defined period and the total number of years you contributed, so more years of service and a higher contributory wage tend to produce a larger monthly benefit.

Pension Versus Settlement and Next Steps

The tool can also help you compare receiving an ongoing monthly pension against a one-time settlement where that option applies, which is useful when service is shorter than the threshold for a full pension. Contribution percentages, eligibility ages, and calculation rules are set by regulation and can be updated, and they may differ for Saudi nationals and certain other categories. Use these figures as a guide, then confirm your exact entitlements directly with GOSI before making retirement decisions.