🇪🇬 Egypt Social Insurance Calculator
Type the wage you are insured on. We apply the Law 148/2019 rates for private-sector employees and the 2026 minimum and maximum insurable wage announced by NOSI.
Quick answer: In 2026 an Egyptian private-sector employee pays 11% of the insurable wage and the employer 18.75%, with the wage held between EGP 2,700 and EGP 16,700 a month. For example, on EGP 10,000 the employee pays EGP 1,100 and the employer EGP 1,875 a month.
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Egypt Social Insurance Calculator inputs
Result
Employee contribution
EGP 1,100.00 / month
Employer pays EGP 1,875.00 · total EGP 2,975.00 a month
| Insurable wage used | EGP 10,000.00 |
| Employee share (11%) | EGP 1,100.00 |
| Employer share (18.75%) | EGP 1,875.00 |
| Total contributions (29.75%) | EGP 2,975.00 |
- Employee yearly
- EGP 13,200.00
- Employer yearly
- EGP 22,500.00
Contributions by insurance branch
| Branch | Law 148/2019 | Employee % | Employee | Employer % | Employer |
|---|---|---|---|---|---|
| Old age, disability and death | Art. 19 | 9% | EGP 900.00 | 12% | EGP 1,200.00 |
| End-of-service reward account | Art. 36 | 1% | EGP 100.00 | 1% | EGP 100.00 |
| Sickness | Art. 70 | 1% | EGP 100.00 | 3.25% | EGP 325.00 |
| Work injury | Art. 46 | 0% | EGP 0.00 | 1.5% | EGP 150.00 |
| Unemployment | Art. 86 | 0% | EGP 0.00 | 1% | EGP 100.00 |
How Egyptian social insurance contributions work
Social Insurance and Pensions Law No. 148 of 2019 covers every employee in Egypt. Contributions are a percentage of the insurable wage, which is held between a yearly minimum and maximum set by the National Organization for Social Insurance (NOSI).
Insurable wage = min(max(wage, 2,700), 16,700) · Employee = 11% · Employer = 18.75%
Rates for private-sector employees
| Branch | Article | Employee | Employer |
|---|---|---|---|
| Old age, disability and death | 19 | 9% | 12% |
| End-of-service reward account | 36 | 1% | 1% |
| Sickness | 70 | 1% | 3.25% |
| Work injury | 46 | – | 1.5% |
| Unemployment | 86 | – | 1% |
| Total | 11% | 18.75% |
Worked example
An employee insured on EGP 10,000 a month:
- Employee: 10,000 × 11% = EGP 1,100
- Employer: 10,000 × 18.75% = EGP 1,875
- Total: EGP 2,975 a month
Someone earning EGP 25,000 pays on the EGP 16,700 maximum only: EGP 1,837 from the employee and EGP 3,131.25 from the employer.
Insurable wage limits
| Year | Minimum | Maximum |
|---|---|---|
| 2025 | EGP 2,300 | EGP 14,500 |
| 2026 | EGP 2,700 | EGP 16,700 |
Exceptions to know
- The work-injury cash-benefit part (0.5%) can rise with the risk of the workplace, and government units pay a reduced rate (Art. 46).
- In governorates already under the Universal Health Insurance system (Law 2/2018), health-care contributions are paid to that system instead.
- Employers, self-employed people and Egyptians working abroad contribute under different rules.
Sources
- Social Insurance and Pensions Law No. 148 of 2019 – Arabic text
- NOSI – minimum and maximum insurable wage from 1 January 2026
Estimates for educational purposes. Your employer’s NOSI registration decides the insurable wage; confirm with NOSI or your HR department.
Frequently asked questions
What are the social insurance rates in Egypt in 2026?
For private-sector employees under Law 148/2019: 11% from the employee (9% old age, disability and death; 1% sickness; 1% end-of-service reward) and 18.75% from the employer (12% old age, disability and death; 3.25% sickness; 1.5% work injury; 1% unemployment; 1% reward).
What are the minimum and maximum insurable wages for 2026?
From 1 January 2026 the minimum insurable wage is EGP 2,700 and the maximum EGP 16,700 a month, up from EGP 2,300 and EGP 14,500 in 2025. Contributions are not charged on pay above the maximum.
Will the rates change in 2027?
Article 19 raises the old age, disability and death rate by one percentage point every seven years from 2020, split equally – so from January 2027 it becomes 12.5% for employers and 9.5% for employees. The wage limits also rise each January.
Is the insurable wage the same as my gross salary?
Not always. Law 148/2019 defines the insurable wage (أجر الاشتراك) as the wage components set by the executive regulations, and it is then held between the yearly minimum and maximum. Your payslip or the NOSI portal shows the wage you are registered on.
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