2025China Social Insurance & Housing Fund Calculator
China Social Insurance Guide
2025 Contribution Rules
Based on latest national standards:
1. Pension: Employee 8%｜Employer 16%
2. Medical: Employee 2%｜Employer 8-10%
3. Unemployment: Employee 0.3%｜Employer 0.7%
4. Housing Fund: 5-12% (customizable)
5. Income Tax: 7 progressive rates with cumulative withholding
1. Pension: Employee 8%｜Employer 16%
2. Medical: Employee 2%｜Employer 8-10%
3. Unemployment: Employee 0.3%｜Employer 0.7%
4. Housing Fund: 5-12% (customizable)
5. Income Tax: 7 progressive rates with cumulative withholding
Regional Variations
Key differences:
1. Tier 1 Cities: Beijing/Shanghai base cap ¥33,891
2. New Tier 1: Hangzhou/Chengdu cap ¥24,042
3. Other Cities: 60%-300% of local average wage
2025 National Average Base: ¥8,523
1. Tier 1 Cities: Beijing/Shanghai base cap ¥33,891
2. New Tier 1: Hangzhou/Chengdu cap ¥24,042
3. Other Cities: 60%-300% of local average wage
2025 National Average Base: ¥8,523
Practical Applications
Essential for:
1. Job Offers: Compare actual take-home pay
2. Salary Negotiation: Calculate post-raise income
3. Financial Planning: Optimize contribution strategy
4. Business Budgeting: Compute total employment cost
5. Tax Filing: Prepare for annual reconciliation
1. Job Offers: Compare actual take-home pay
2. Salary Negotiation: Calculate post-raise income
3. Financial Planning: Optimize contribution strategy
4. Business Budgeting: Compute total employment cost
5. Tax Filing: Prepare for annual reconciliation
Legal Basis
Calculations based on:
1. Social Insurance Law of China
2. Housing Fund Management Regulations
3. Individual Income Tax Law
4. 2025 local social security notices
Results for reference only. Consult local authorities for exact figures.
1. Social Insurance Law of China
2. Housing Fund Management Regulations
3. Individual Income Tax Law
4. 2025 local social security notices
Results for reference only. Consult local authorities for exact figures.
