Old vs. new system
Old system (for those who joined before July 3, 2024): pension = average contributable wage over the last two years × 2.5% × years of contribution, reaching the maximum pension (100% of the average) at exactly 40 years of contribution. New system (for those who joined from July 3, 2024 onward): same idea but at 2.25% per year, with the average wage calculated over the highest/most recent 180 months of contribution.
Basic eligibility conditions: at least 10 years of contribution at retirement age, or 25 years for early retirement regardless of age. Below that, a one-time lump-sum payout is typically issued instead of a monthly pension.
FAQ
I started contributing before July 2024 and I'm still working — which system applies to me?
Your pension may actually be calculated as a blend of both systems' periods rather than one system entirely — this calculator assumes a single system for simplicity. Check the GOSI platform for your exact case.
Is there a minimum monthly pension?
Several sources point to a guideline minimum (SAR 1,800) applied if you meet the 10-year condition, but this isn't 100% officially confirmed from a direct primary government source.
Source
General Organization for Social Insurance (GOSI) — replacement rates for both the old and new contribution systems.
Related calculators
Last updated: July 2026
This calculator is an estimate. The only official reference for your actual pension is the GOSI platform. Read the full disclaimer.