China Social Insurance & Housing Fund Calculator (五险一金)
china_social_insuranceHow much 五险一金 comes out of a China salary each month, and what it costs the employer on top. 五险一金 is not a percentage of this month’s pay, which is the assumption almost every calculator makes. Contributions are charged on a contribution base — your average monthly wage across the previous year — and that base is clamped between a floor of roughly 60% of the local average wage and a ceiling of 300% of it. The clamp is the whole story: it is why a high earner’s deduction stops growing past a certain salary, and why someone on a low wage pays a larger share of their pay than the headline rate suggests. Both numbers come out here — what leaves the payslip, and what the employer adds on top. Rates and both limits are set city by city and reset every July, so they are yours to enter; the defaults are Beijing 2025, for illustration.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| city | No | City Sets the contribution-base floor and ceiling (the ~60%/300%-of-local-average band) — the numbers you would otherwise look up. Pick “Other” to enter your own. | beijing |
| gross | No | Monthly gross salary Used as the contribution base after clamping to the city floor/ceiling. If your official contribution base differs from gross, enter that instead. | |
| baseFloor | No | Base floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed. | |
| baseCeiling | No | Base ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged. | |
| housingFundRate | No | Housing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%. | |
| employeeSocialRate | No | Employee social-insurance rate (%) Sum of the employee’s pension (8%) + medical (~2%) + unemployment (~0.5%). Work-injury and maternity are employer-only. | |
| employerSocialRate | No | Employer social-insurance rate (%) Sum of employer pension (16%) + medical (~9%) + unemployment (~0.5%) + work-injury (~0.2–1.9%). City-dependent. |