Oman Social Protection Savings (SPS) Calculator
Royal Decree 52/2023 introduces a compulsory savings system for non-Omani private-sector workers. Royal Decree 60/2025 postponed the launch to 19 July 2027. Employer contributions are 9% of monthly basic wage with a minimum guaranteed return of 2% p.a. This calculator projects your final pot, the legacy EOSB tail that accrues up to the switchover, and compares the two Article 138 routes for your accrued gratuity.
Your Service & Projection
Your SPS Projection
Enter your salary, dates, and assumptions to project your savings.
Better Route
OMR 3,000 ceiling applied. Excess salary is excluded from the contribution base.
Dismissal under Article 41 zeroes the legacy gratuity. SPS contributions remain the property of the worker.
Termination falls before 19 July 2027. Only the legacy EOSB applies.
- Your Chosen Route Total
- 0
Return Rate Sensitivity
| Annual Return | Projected Total |
|---|
Projections are indicative. Final figures depend on the SPF's published executive regulations, actual investment returns, and the employer's Article 138 election at switchover.
About the Oman Savings System
Royal Decree 52/2023 (Social Protection Law), Article 139(1), establishes a compulsory savings system for non-Omani private-sector employees. Employers contribute 9% of the monthly basic wage to each worker's individual Provident Scheme account, with no employee-side mandatory share. Royal Decree 60/2025 amended the implementation timeline, setting 19 July 2027 as the operational date.
Until 19 July 2027, end-of-service gratuity continues to accrue under Article 61 of Royal Decree 53/2023: one full month of basic salary per year of service for the period from 1 August 2023, with the legacy formula under Royal Decree 35/2003 covering any service prior to that date. Article 138 of the Social Protection Law gives the employer two options at switchover: settle the accrued legacy gratuity in cash to the worker, or transfer it directly into the worker's SPS account.
Executive Regulation Article 104 guarantees a minimum 2% annual return on the Provident Scheme balance. Withdrawal is triggered by termination of employment, death (paid to legal heirs), or permanent disability. The payout can be taken as a lump sum or as monthly or annual instalments at the saver's request.
Voluntary employee top-up contributions are permitted under the law with a minimum deposit of OMR 100 per transaction, but neither the cap nor the explicit eligibility of non-Omani workers for voluntary top-up has been clarified in the published regulations. Voluntary projections from this calculator should be read as illustrative only.