China Five Insurances & Housing Fund Calculator
Comprehensive Chinese payroll calculator with social insurance, housing fund, and individual income tax calculations using latest 2024 policies.
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
China Payroll Calculator
Basic Information
Special Deductions
Housing Fund
Tax Optimization Tips (税务优化建议)
- {city} is a {cityType}, with different social insurance base and standards.
- Housing fund contribution rate above 12% requires company policy support.
- Special additional deductions can significantly reduce taxable income and lower individual income tax.
- Housing rent and housing loan interest cannot be deducted simultaneously, please choose one.
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 2024 Policy Updates
• 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
Important Disclaimer
These calculations are based on 2024 Chinese tax and social insurance policies. Results should be used for reference only. Social insurance contribution bases and rates may vary by specific company policies and local regulations. For official payroll processing, please consult with qualified Chinese payroll specialists or local tax authorities. 本计算器仅供参考，实际缴费请以当地社保政策为准。