How is the Saudi GOSI pension calculated?

The Annuities (pension) branch is a defined benefit, not a savings pot. The pension is broadly your final reference wage multiplied by 2.5% for each contribution year, capped at 100% of that wage. So 40 years of contributions reaches the maximum.

How much do I contribute to GOSI?

For a Saudi private-sector employee, the Annuities branch takes 9% from the employee and 9% from the employer. SANED unemployment insurance adds 0.75% from each. The employer also pays an occupational-hazards contribution on top.

When can I claim a full pension?

Under the legacy GOSI rules a full pension generally needs 25 contribution years, or reaching age 60 with at least 10 years of contributions. Shorter records may give a reduced or deferred benefit. Newer reform rules raise the pensionable age gradually.

Does SANED count toward my pension?

No. SANED is unemployment insurance that pays a temporary benefit if you lose your job. It is funded separately and does not add to your Annuities pension, though the calculator includes it when totalling your contributions.

Are my numbers private?

Yes. The whole calculation runs in your browser. Nothing you enter is uploaded or stored anywhere.

Saudi Arabia Pension & Retirement Calculator

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This Saudi Arabia pension calculator projects the monthly retirement income a Saudi national can expect from the GOSI Annuities branch — the Kingdom’s mandatory social-insurance pension. It uses the real defined-benefit formula rather than a savings-pot model.

How it works

The GOSI pension is a defined benefit. The headline formula is:

monthly pension = reference wage × 2.5% × contribution years

The reference wage is broadly the average of your last two years’ contributory wage, and the benefit is capped at 100% of that wage — which 40 contribution years would reach. The calculator estimates your reference wage by growing today’s wage to retirement, then applies the 2.5%-per-year accrual on your total completed plus future contribution years.

On the contribution side, a Saudi private-sector employee pays 9% of the contributory wage into the Annuities branch (matched by 9% from the employer) plus 0.75% into SANED unemployment insurance. The tool totals your lifetime employee contributions for context, but only the Annuities branch builds your pension.

Example

A Saudi employee aged 35 earning SAR 18,000/month, with 10 years already contributed, planning to retire at 60, accrues 25 future years for 35 total. At 2.5% per year that is an 87.5% accrual. Applied to a wage grown at 3% a year, the projected pension lands well above half the final wage — and pushing to 40 total years would hit the 100% cap.

Notes

This is a planning estimate. Actual GOSI benefits depend on your verified contribution record, the precise reference-wage averaging, and reform transition rules that gradually raise the pensionable age. Treat the result as an indication, not an official statement.