Social security in Iraq, the private-sector worker's share
Enter your total monthly wages and allowances to see what is deducted for social security under the Workers' Retirement and Social Security Law No. 18 of 2023, and what reaches you.
Calculator
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Deducted from you each month
| Wage the contribution is worked on | |
|---|---|
| What reaches you |
The calculation runs on your device; nothing you type is sent anywhere.
This is an estimate, not legal advice. The figure to rely on is the one on your payslip.
How the calculator works
- 5% of the total wages and allowances an insured worker receives is deducted for the retirement branch.
- The employer pays 12% on top in most work, and 25% in oil and hydrocarbon businesses, and the state contributes 8%.
A hypothetical example: wages and allowances totalling IQD 1,200,000 have IQD 60,000 deducted, so IQD 1,140,000 reaches the worker.
The wage floor and ceiling
The law sets the wage contributions are worked on at no less than the minimum wage for your occupation or the general minimum wage, whichever is higher, and no more than 5 times the minimum wage. The calculator does not apply these two limits, because we found no published official source for the minimum wage amount that we could check. If your wage is close to the minimum or above five times it, ask the Retirement and Social Security Department about your contribution wage.
Questions people ask
Do allowances count?
Yes. The rate is deducted from total wages and allowances, not from the basic wage alone.
When did the law take effect?
It takes effect ninety days after publication in the Iraqi Gazette, where it appeared in issue 4734 on 28 August 2023, and it repealed the Workers' Retirement and Social Security Law No. 39 of 1971.
I am a foreign worker in Iraq. Is my deduction different?
The worker's share is the same 5%; for a foreign worker, the employer pays the state's share as well.
To split what reaches you, use the 50/30/20 calculator. In Masareefy you enter your take-home pay as monthly income, and the app spreads it across the days of the month.
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Sources
- Workers' Retirement and Social Security Law No. 18 of 2023, Iraqi Gazette issue 4734 (Ministry of Justice, Arabic) — Art. 14: 5% deducted from total wages and allowances, the employer's 12% or 25%, the state's 8%; Art. 15: the contribution wage floor and its ceiling of five times the minimum wage — verified: 11 October 2026