Egypt Salary Calculatorحاسبة الراتب المصري — 2026

Insured, Custom Wage, or Not Insured — What Each Option Actually Means

When calculating your salary you'll see three social insurance statuses: fully insured, insured at a custom (reduced) wage, or not insured at all. The difference between them changes more than your monthly net — it changes your pension rights, sick-leave coverage, and work-injury protection.

Fully insured

This is the standard legal setup: 11% is deducted from your base salary up to the EGP 16,700 cap, the employer adds a further 18.75%, and this amount is officially registered with the Social Insurance Authority as your real insurable wage — the figure your future pension and entitlements are calculated from.

Custom insurable wage (below your real salary)

Some employers register an employee at an insurable wage lower than their actual pay, to reduce the insurance cost on both sides. This means a smaller monthly deduction — and a slightly higher net pay in the short term — but it directly reduces your future pension, work-injury compensation, and disability entitlements, since all of them are calculated on the officially registered wage, not your real salary.

If this applies to you, use the "Custom wage" option in our calculator to see your real net accurately — and keep in mind that the gap between your actual salary and the registered wage is exactly what you're giving up in future insurance entitlements.

Not insured

This means nothing is deducted from your salary for social insurance, and the employer pays nothing either. Your monthly net looks higher because the first deduction (11%) is simply absent — but you have no official insurance coverage at all: no future pension, no compensation for a work injury, illness, or dismissal. For a permanent employee under a formal contract, this status is not legal.

It's common in informal work or unregulated probation arrangements. Our calculator supports it because many people genuinely need to know their net pay without it, not because it represents a lawful setup for permanent employment.

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Frequently Asked Questions

Which of the three statuses gives the highest monthly net?⌄

Not insured gives the highest net, since the insurance deduction is entirely absent, followed by a reduced custom wage, then fully insured. But that higher net comes at the cost of reduced or nonexistent insurance entitlements.

How do I find out my actual registered insurable wage?⌄

You can check it with the social insurance office covering your employer's activity, or from your own insurance account statement — don't assume it matches your gross salary unless you've confirmed it.

Can my status change from not insured to fully insured?⌄

Yes — this is the employer's legal responsibility, since they are the party required to register and remit contributions to the Social Insurance Authority. As an employee, you can formally request this through HR or whoever manages your file.

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