China Labor Cost Calculator — Employer Cost & Take-Home at a Glance

Q: How much does it really cost to hire an employee in China?

Plan for roughly 30-40% on top of the gross salary. For example, a 15,000 RMB/month salary in Beijing costs the employer about 19,725 RMB/month once mandatory social insurance and housing fund contributions are added (2025-26 rates).

Q: What does the employer pay on top of salary in China?

Five mandatory insurances - pension (16%), medical (about 9-10%), unemployment, work injury and maternity - plus the housing provident fund (5%-12%, negotiated). Exact rates and contribution bases depend on the city.

STR

瀏覽數

作者

出到中國

发布日期

07/17/26

Plan your China hiring budget with confidence.

Enter a salary to see the complete employer cost and your employee’s take-home pay — built on the official 2025–26 contribution rates for 13 major cities, maintained by our payroll & compliance team. Free, no sign-up.

中國社會保險 + 住房公積金計算器

Beijing · Shanghai · Guangzhou · Shenzhen · Tianjin · Chengdu · Hangzhou · Chongqing · Wuhan · Suzhou · Xi'an · Nanjing · Changsha — 2025–26 policy year

Where will you hire?

Monthly gross salary (RMB ¥)

⚙️ Assumptions: office industry · housing fund 5% + 5% — adjust

行業類別（工傷率）

Employer Housing Fund Rate

Employee Housing Fund Rate

This is the statutory cost. Want the all-in number for your hires?

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How this calculator works

Employer cost = gross salary + employer social insurance (pension, medical, unemployment, work injury, maternity) + employer housing fund — in most cities 30–40% on top of salary.
Employee take-home = gross salary − employee social insurance − employee housing fund (before individual income tax).
Rates and bases are the 2025–26 policy year figures from each city\u2019s social security bureau, incl. Shenzhen hukou tiers and Suzhou Industrial Park.

Full rate tables and methodology: 中國社會保險與住房公積金計算器（2026年更新）.

常見問題

How much does it really cost to hire an employee in China?

Plan for roughly 30–40% on top of the gross salary. For example, a ¥15,000/month salary in Beijing costs the employer about ¥19,725/month once mandatory social insurance and housing fund contributions are added (2025–26 rates).

What does the employer pay on top of salary?

Five mandatory insurances — pension (16%), medical (≈9–10%), unemployment, work injury and maternity — plus the housing provident fund (5%–12%, negotiated). Exact rates and contribution bases depend on the city.

How much of the gross salary does the employee take home?

After the employee's own social insurance and housing fund contributions, take-home is typically 84–90% of gross before individual income tax. IIT then depends on personal deductions.

Are the rates the same in every Chinese city?

No. Each city sets its own contribution bases and some rates — Shenzhen has hukou-based tiers, Suzhou Industrial Park has a special medical rate, and cities update their base floors/ceilings every July. This calculator covers 13 major cities with 2025–26 policy-year data.