Estimate employer and employee contribution shares for national employees across the GCC schemes. Contribution rates and wage ceilings differ by market and by nationality, and the calculator applies the commonly cited rates for each.
This calculator is provided for general guidance and estimation only. It applies statutory minimum formulas and does not constitute legal, tax, financial, or accounting advice. Statutory rates, ceilings, thresholds, and formulas are amended periodically in every GCC market, and your contract, entity, jurisdiction, and individual circumstances all change the outcome. Always cross-check any figure independently against the current law and your signed employment contract, and obtain advice from a qualified legal or payroll professional before acting on, communicating, paying, or relying on any amount shown here. AmalOps accepts no liability for any loss, claim, or dispute arising from use of this tool or reliance on its output.
Every GCC state operates a social insurance or pension scheme, and three characteristics are common to all of them: coverage is usually restricted to nationals of that country, contributions are split between employer and employee, and they are calculated on a defined contributory wage rather than on total earnings.
This is where most errors originate. The contributory wage is typically basic salary plus housing allowance, whether housing is paid in cash or provided in kind at an assessed value. Other allowances, overtime, and one-off payments generally sit outside it. Applying the contribution rate to total earnings overstates the obligation; omitting housing understates it.
Most schemes cap contributions above a defined wage, meaning the contribution stops increasing for high earners. Two errors follow: applying the ceiling to total salary rather than to the contributory wage, and failing to apply it at all. The ceiling should be applied to the contributory wage component alone.
GOSI is worth singling out because it operates differently. The occupational hazards branch covers all employees regardless of nationality and is funded entirely by the employer. The annuities branch, which provides pension entitlement, applies to Saudi nationals only and is split between employer and employee. Recent reform also introduced graduated contribution schedules for newly registered Saudi employees, so verify which schedule applies rather than assuming a flat rate. See our Saudi GOSI guide.
A common and costly misunderstanding: pension contributions sit alongside end-of-service entitlement rather than discharging it. An employer assuming otherwise carries an unprovisioned liability. Our gratuity calculator covers that side.
AmalOps detects nationality from the employee record, applies the correct scheme, branch and ceiling, and reconciles the contribution register against payroll every cycle.
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