China Five Insurances & Housing Fund Calculator
Supported-city China payroll engine with social insurance, housing fund, and resident IIT estimates using the 2025 ruleset.
Five Social Insurances
Pension, medical, unemployment, work injury, and maternity insurance
Housing Provident Fund
Customizable contribution rates and city-specific calculations
Multi-City Support
Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Nanjing
Special Deductions
Child education, elder care, housing, medical, and education deductions
How It Works
Enter Employee Details
Input salary, location, and personal information for accurate calculations
Configure Deductions
Set up special additional deductions for tax optimization
Get Complete Breakdown
Receive detailed analysis of all social insurance and tax calculations
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Advanced Features
🛡️ Social Insurance Features
- ✓Pension insurance (8% employee, 16% employer)
- ✓Medical insurance with additional coverage (2% + 3¥/month)
- ✓Unemployment insurance (0.5% each)
- ✓Work injury (0.2%) and maternity (0.8%) by employer
📋 Tax Deduction Features
- ✓Child education: ¥1,000/month per child
- ✓Elder care: ¥2,000/month (only child)
- ✓Housing: ¥1,500/month (tier-1 cities) or ¥1,000/month loan interest
- ✓Continuing education: ¥400/month for academic education
🏙️ Supported Cities
Latest Supported-City 2025 Rules
• Basic deduction maintained at ¥5,000/month
• Social insurance base limits updated for each city
• Housing fund contribution rates: 5%-20% (standard 12%)
• Special additional deduction rates remain unchanged
Frequently Asked Questions
Which cities does this calculator support?
You can calculate payroll for major tier-1 and new tier-1 cities including Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, and Nanjing. Rates and contribution bases adjust automatically when you change cities.
Does the tool include special additional deductions?
Yes. Child education, continuing education, elder care, medical expenses, housing loan interest, and housing rent deductions are supported within the calculator's 2025 supported-city ruleset.
Can I customize housing fund contribution rates?
Absolutely. Enter any rate between 5% and 20% to match your company policy. The calculator applies the correct base limits for the selected city.
Are the results suitable for official payroll processing?
The calculator is designed for planning and self-checking in the supported cities. For official filings, always confirm rates and bases with your local social insurance bureau or payroll provider.
Important Disclaimer
These calculations are based on the supported-city 2025 ruleset in this calculator. Results are for reference only. Social insurance bases and employer policies can vary by city and company. Confirm official payroll with your local payroll provider or bureau.