What is Oman's 2027 savings scheme for expats?
Written by Usama Afzal. Last updated: October 2026. Based on the Oman Labour Law; not legal advice.
From 19 July 2027, expatriate workers in Oman's private sector move from end-of-service gratuity to a mandatory savings scheme. Each month, your employer pays 9% of your basic salary into the Social Protection Fund, and you receive the savings when your employment ends. Detailed rules are still to come.
What changes
| Before 19 July 2027 | From 19 July 2027 | |
|---|---|---|
| What you get | Gratuity at the end | Monthly savings in a fund |
| Who pays | Employer, at the end | Employer, 9% every month |
| Based on | Last basic salary | Monthly basic salary |
How much is 9%?
On an OMR 400 basic, 9% is OMR 36 a month, or OMR 432 a year. That's slightly more than one month's basic salary a year (OMR 400), the minimum gratuity under the new law.
What about service before 2027?
Gratuity earned for service before the scheme starts is still owed under the Labour Law. The Oman calculator splits your service at 19 July 2027 and shows both parts.
Why it matters
With monthly contributions, your money builds up as you work, instead of depending on the employer paying a large sum when you leave.
Work out your own amount
Enter your dates and salary to see your end-of-service pay instantly.