Enter pre-tax monthly salary and city (Beijing / Shanghai / Shenzhen / Guangzhou / Hangzhou / Chengdu / generic) to instantly get personal and employer contributions for all 5 insurances and housing fund, with base cap/floor auto-clamped. Aligned with 2024 SHRSS windows. Runs locally in your browser.
Overview
Chinese urban workers pay an often-invisible 18-22% of gross wage into 5 social insurances + housing fund, while employers add another 28-40%. This tool embeds 2024 H2 rates/bases for 6 major cities and computes personal/employer contributions per insurance, totals, pre-tax net and full employer cost instantly. Base auto-clamped with cap/floor hints. All local.
How to use
- Enter your pre-tax monthly salary (CNY).
- Pick your city among 6 presets or "generic".
- Adjust housing-fund rate (5-12%) if your employer uses a non-default rate.
- The panel shows per-insurance personal/employer split, totals, pre-tax net, and full employer cost.
- Cap/floor badges appear automatically when salary exceeds the base range.
Formula
Per-insurance contribution: personal = clamp(salary, baseMin, baseMax) × personalRate employer = clamp(salary, baseMin, baseMax) × employerRate Injury / maternity: personalRate = 0 Fund: personal = employer = clamp(salary, fundMin, fundMax) × rate personalTotal = sum of personal (incl. fund) preTaxNet = salary − personalTotal employerCost = salary + employerTotal
Common scenarios
Scenario 1 · Beijing 20k / fund 12%
Personal total ≈ ¥4,420 (22% of gross), pre-tax net ≈ ¥15,580, employer adds ≈ ¥6,700, full cost ≈ ¥26,700.
Scenario 2 · Shenzhen 10k / fund 5%
Personal total ≈ ¥1,500 (15%, lower than Beijing). Employer cost ≈ ¥12,300. Shenzhen has lower aggregate rates.
Scenario 3 · Cap hit · Shanghai 50k
Base auto-capped at ¥36,921. Cap badge shown. Income beyond ceiling no longer contributes.
FAQ
How is the contribution base linked to salary?
Base = your prior-year average monthly wage, clamped to that year's official floor/cap. Tool clamps input directly and flags hits.
Why do rates vary so much across cities?
Medical (employer), injury (8 industry tiers) and housing fund % are set locally, so Beijing/Shanghai/Shenzhen differ by hundreds yuan on the same salary.
Can I choose the housing fund rate?
Fund rate is 5-12%, set by employer. Tool defaults to city benchmark; you may simulate any rate in range. Personal and employer shares must match.
Why don't individuals pay injury insurance?
Per Injury Insurance Regulation, employer pays 100%. Maternity is now mostly merged into medical but shown as a separate line for clarity.
Does it upload my salary data?
No. All computation is fully client-side; nothing is uploaded.
Is "pre-tax net" my real take-home?
No — further subtract IIT (comprehensive-income progressive) to get true take-home. Use our 2025 Income Tax Calculator after this tool.
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