Skip to main content
Glama

Xearno Tools

China Social Insurance & Housing Fund Calculator (五险一金)

china_social_insurance
Read-only

How 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

TableJSON Schema
NameRequiredDescriptionDefault
cityNoCity 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
grossNoMonthly 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.
baseFloorNoBase floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed.
baseCeilingNoBase ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged.
housingFundRateNoHousing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%.
employeeSocialRateNoEmployee social-insurance rate (%) Sum of the employee’s pension (8%) + medical (~2%) + unemployment (~0.5%). Work-injury and maternity are employer-only.
employerSocialRateNoEmployer social-insurance rate (%) Sum of employer pension (16%) + medical (~9%) + unemployment (~0.5%) + work-injury (~0.2–1.9%). City-dependent.

TDQS

A4.2/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already indicate readOnlyHint=true, and the description adds meaningful context by explaining the 60%/300% clamp, city-specificity, and July reset. It also clarifies the consequences for high/low earners, which goes beyond the annotation's safety profile. No contradiction detected.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is detailed but well-structured, front-loading the main question and then introducing the key misconception. Each sentence contributes to understanding the tool's model, and no extraneous information is present.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the complexity of the tool and absence of an output schema, the description adequately defines what outputs to expect ('what leaves the payslip, and what the employer adds on top'). It also sets up the user's responsibility to supply rates/limits. Minor gaps like the exact formula aren't needed because schema already provides parameter roles.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The input schema has 100% description coverage, with each parameter already explained (e.g., 'gross' described as 'Used as the contribution base after clamping'). The tool description does not add new syntax or format details beyond the schema, so baseline 3 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool computes both employee deductions and employer costs for China's 五险一金, with a specific verb ('comes out of') and resource ('China salary'). It distinguishes itself from sibling tools by emphasizing the contribution-base clamp rather than a simple percentage, making it distinct from tools like china_income_tax_salary.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description explains the mechanism (contribution base vs. monthly pay) and the need for city-specific rates/limits entered by the user, providing clear context for when to use it. However, it does not explicitly name alternative tools or state when not to use it, so it falls short of a perfect score.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Try in Browser

Glama MCP Gateway

Add one secure layer between your agents and this server.

TDQS

A3.9/5.0
Disambiguation4/5

Each tool targets a distinct niche (e.g., specific country tax rules, loan types, or legal calculations), with detailed descriptions that clarify boundaries. However, the large number of tools (66) could cause some confusion for an agent trying to select the right one for a general query, especially when multiple tools relate to the same country.

Naming Consistency4/5

Tool names follow a mostly predictable pattern: lowercase words separated by underscores, often starting with a country name (e.g., 'uk_stamp_duty_sdlt') or a topic (e.g., 'compound_growth'). There are minor deviations, such as abbreviations ('npv_irr', 'sip') and varying use of verbs, but overall the naming is clear and consistent.

Tool Count3/5

At 66 tools, the server is unusually large and covers an extensive range of financial and legal calculators. While each tool justifies its existence, the count exceeds the typical well-scoped range (3–15), making the server feel bloated. A more modular design might improve coherence.

Completeness4/5

The tool set covers a wide array of domains: personal income taxes, property taxes, loan calculations, investment returns, and specific country regulations. Minor gaps exist (e.g., missing tools for corporate taxes, general retirement planning, or insurance), but the overall coverage is thorough and addresses many niche scenarios that general AI handles poorly.

Resources