Free browser-based tool
GOSI deduction calculator
Estimate GOSI deductions and net pay from your inputs.
Inputs
Result
Tool-specific practical guide
How to use the GOSI deduction calculator correctly
The GOSI deduction calculator provides a preliminary estimate from contributory wage and the selected contributor status. As reviewed on 15 August 2026, the employee annuities rate is 9% under the existing system and 10% for eligible new-system entrants from July 2026; SANED adds 0.75% where applicable. Confirm the rate shown in your official GOSI record because status and transitional rules matter.
Before you start
Take basic salary and housing allowance from the written offer or payslip, separate other allowances, and check whether you have earlier contribution periods. Use the contributor category and rate shown by the official account rather than guessing from age or hire date alone.
- Basic salary and housing allowance from the written offer or payslip.
- The contributor status and branch details shown in the official GOSI record.
- Any earlier contribution history that may place the person under transitional rules.
How to use it
- Identify the contributor system and contributory wage components from official records.
- Enter basic and housing values separately and select SANED or other supported branches accurately.
- Read the rate, cap, employee share, and employer breakdown instead of relying only on net pay.
- Compare the estimate with GOSI and payroll records, then ask for the registered basis if they differ.
Example and interpretation
An employee enters basic salary and housing allowance as contributory components and keeps transport allowance separate. If the estimate differs from payroll, they request a breakdown of the registered contributory wage, branch rates, and effective period before assuming either figure is wrong.
A payroll difference is diagnostic, not proof of error. Compare contributor category, contributory wage, effective date, branch rates, and caps before escalating the discrepancy.
Limits
This is an educational calculator, not a GOSI service or entitlement record. Rates, limits, categories, and a person's status can change. Verify the result through GOSI and qualified payroll support before relying on it for a dispute or binding decision.
Privacy: The GOSI deduction calculator does not need identity numbers, passwords, bank details, medical records, private referee data, or confidential employer material. Replace names and restricted figures with neutral examples wherever possible.
Pre-use review checklist
- Every name, date, amount, title, and claim used by the GOSI deduction calculator matches the current source.
- The GOSI deduction calculator result answers the original goal and does not add an experience, entitlement, or promise that was not supplied.
- For the GOSI deduction calculator, assumptions and missing information are visible, and any legal or financial point has been checked against the latest official source.
- Sensitive, irrelevant, or third-party information has been removed before the GOSI deduction calculator result is saved or shared.
Review the GOSI deduction calculator result once as its intended reader. For the GOSI deduction calculator, check facts first, then relevance, wording, layout, and privacy in separate passes; ask a qualified person to review a difficult-to-reverse decision.
Official source: Official source for verification. Method reviewed: 15 August 2026.
