---
title: "Statutory Pack: Saudi Arabia"
description: "GOSI annuity, SANED unemployment insurance and occupational hazard contributions, plus the end-of-service award accrual, computed for every Saudi pay run."
url: "https://bareledger.app/guides/statutory-sa"
category: "Team, roles & approvals"
updated: "2026-10-29"
publisher: "BareLedger (Syneria Technologies OPC)"
---

# Statutory Pack: Saudi Arabia

> GOSI annuities, SANED and occupational hazards; end-of-service award accrual.

**Schemes**: GOSI annuities (9% / 9%) and SANED unemployment (0.75% / 0.75%) for **Saudi nationals** on wages SAR 1,500–45,000; occupational hazards (2% employer) for **all** employees; end-of-service award accrual (employer-only, 4.17% of basic) for **non-Saudis**.

## What each employee provides
- Nationality — it decides which GOSI branches apply.

## Worked example — SAR 10,000
Saudi national: annuities 900/900, SANED 75/75, hazards 200 employer. Expatriate: hazards 200 employer + end-of-service accrual 417 employer; nothing deducted from pay.

## Limitations
No employee income tax. The 2024 pension-law phased rates for new joiners are not modeled — the seeded 9% is the standing rate (verify). The accrual is the first-5-years half-month rate; later service and final settlement are a separation true-up. **Mudad/WPS file export** is a later addition.