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Tax

Social Security & Housing Fund Calculator · 6 Major China Cities

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

  1. Enter your pre-tax monthly salary (CNY).
  2. Pick your city among 6 presets or "generic".
  3. Adjust housing-fund rate (5-12%) if your employer uses a non-default rate.
  4. The panel shows per-insurance personal/employer split, totals, pre-tax net, and full employer cost.
  5. 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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