{"id":1291,"date":"2026-04-23T16:02:46","date_gmt":"2026-04-23T06:02:46","guid":{"rendered":"https:\/\/out2china.com\/?p=1291"},"modified":"2026-07-18T01:06:33","modified_gmt":"2026-07-17T15:06:33","slug":"%e4%b8%ad%e5%9b%bd%e7%a4%be%e4%bf%9d%e5%92%8c%e4%bd%8f%e6%88%bf%e5%85%ac%e7%a7%af%e9%87%91%e8%ae%a1%e7%ae%97%e5%99%a8","status":"publish","type":"post","link":"https:\/\/out2china.com\/zh\/china-social-insurance-and-housing-provident-fund-calculator\/","title":{"rendered":"\u4e2d\u56fd\u793e\u4f1a\u4fdd\u9669\u4e0e\u4f4f\u623f\u516c\u79ef\u91d1\u8ba1\u7b97\u5668\uff082026\u5e74\u66f4\u65b0\uff09"},"content":{"rendered":"\n
\n <\/span>\n Last updated: April 28, 2026<\/strong> \u00b7 Reviewed by Out2China Payroll & Compliance Team<\/span>\n<\/div>\n\n\n\n\n
\n

Quick Answer<\/p>\n

\n Employers in China must budget an additional 30 %\u201340 %<\/span> on top of every employee's gross monthly salary to cover mandatory \"Five Insurances and One Fund\" (\u4e94\u9669\u4e00\u91d1) contributions \u2014 that is the single most important number for any overseas company planning headcount in China.\n <\/p>\n

\n The exact rates depend on the city: Shenzhen<\/strong> uses a tiered structure based on the employee's Hukou<\/em> registration, Suzhou<\/strong> differentiates between its Industrial Park (SIP) and regular zones, and Shanghai \/ Beijing<\/strong> update their salary \"ceiling\" and \"floor\" thresholds every July<\/strong>. This calculator covers 13 major Chinese cities<\/strong> and reflects the latest 2025-2026 policy year<\/strong> data, so you can instantly see both the employer cost and the employee's net take-home pay for any gross salary figure.\n <\/p>\n<\/div>\n\n\n\n\n

The China Social Insurance & Housing Provident Fund Calculator<\/strong> is also commonly known as the China Social Security Calculator<\/strong>. It is an essential tool for determining the mandatory monthly contributions and net salary for employees in Mainland China.<\/p>\n\n\n\n

It is designed to calculate the \"Five Insurances and One Fund\"<\/strong>, which is a comprehensive statutory benefit system. The \"Five Insurances\" include Pension (retirement), Medical Insurance (healthcare), Unemployment Insurance (job loss support), Work-related Injury Insurance (occupational safety), and Maternity Insurance (childbirth costs). The \"One Fund\" refers to the Housing Provident Fund, which is a long-term savings account used for home purchases or rentals.<\/p>\n\n\n\n

Because contribution rates and salary \"ceilings\" vary significantly between cities like Beijing, Shanghai, and Shenzhen, this calculator is vital for ensuring local legal compliance and accurate financial planning.<\/p>\n\n\n\n

\u26a1 Just want the number?<\/strong> Try our dedicated China Employment Cost Calculator<\/a> \u2014 enter a salary, instantly see the employer cost and employee take-home.<\/p>\n