KSA GOSI Pension & Early Retirement Calculator
Find out when you can retire under Saudi Arabia's new Social Insurance Law (Royal Decree M/273). Enter your age and contribution history to see your legal pension age, the early-retirement route, and the earliest date you can draw a pension.
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Your Retirement Outlook
Enter your details to see your pension age and earliest retirement date.
- Earliest pension date
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Estimate only, based on Royal Decree M/273. Hijri and Gregorian age conversions are approximate. Confirm your exact entitlement with GOSI.
How Saudi Arabia's Three Retirement Tracks Work
The new Social Insurance Law (Royal Decree M/273, 2 July 2024) did not change the retirement age for everyone. Clause Second keeps anyone with contribution periods before 3 July 2024 on the previous rules, while the new 65-year pension age applies to first-time entrants. A transitional bridge, set out in Clause Fifth, covers contributors who on the effective date were under 50 Hijri years (about 48.5 Gregorian) and had fewer than 240 contribution months.
For that transitional group, the legal pension age slides by age cohort: 64 years and 8 months for those who were 29, falling four months per year of age down to 58 years and 4 months for those who were 48. Early retirement is available before the legal age once contributions reach a qualifying period that depends on how many months you had on the effective date: 360 months if you had under 180, sliding down to 300 months if you had between 228 and 239.
New-system entrants retire at 65, with an early route ten years earlier (age 55) once they reach 360 contribution months. Contributors who already had 240 months (20 years) or were 48.5 or older keep the previous law, whose early pension opens at 300 months (25 years). Because the rule follows your contribution history rather than your current employer, changing jobs does not move you between tracks.