Social Insurance & Housing Fund Calculator
Calculate China's social insurance (Shebao) and housing provident fund contributions online, supporting Beijing, Shanghai, Guangzhou, Shenzhen and more
What is China's Social Insurance & Housing Fund (Wu Xian Yi Jin)?
China's "Five Insurances and One Fund" (Wu Xian Yi Jin) is a mandatory social security system consisting of five types of social insurance and a housing provident fund. The five insurances include pension insurance, medical insurance, unemployment insurance, work injury insurance, and maternity insurance, plus the housing provident fund.
Both employers and employees contribute to these programs (work injury and maternity insurance are fully paid by the employer). The contribution base is typically the employee's average monthly salary from the previous year, and contribution rates vary by city. This calculator helps you understand your exact contributions and plan your finances accordingly.
How to Use
Calculation Steps
- Select your city — the system will automatically load the local contribution rates and base ranges
- Enter your gross monthly salary (the system will adjust the base according to local minimum and maximum limits)
- Choose your housing provident fund rate (5%-12%, same rate for both employer and employee)
- Click "Calculate" to view a detailed breakdown of all contributions
Insurance & Fund Details
Frequently Asked Questions
How is the social insurance contribution base determined?
The contribution base is typically the employee's average monthly salary from the previous year. However, there are limits: the minimum is 60% of the local average salary, and the maximum is 300%. If your salary falls below the minimum, the minimum base applies; if above the maximum, the maximum base is used.
Can I choose my housing provident fund contribution rate?
The housing provident fund rate ranges from 5% to 12%. The employer sets the rate within this range, and both the employer and employee contribute at the same rate. Some cities allow employees to choose their rate within a certain range.
Why is my take-home pay so much less than my gross salary?
Take-home pay = Gross salary - Personal social insurance contributions - Personal income tax. Personal contributions typically account for 15%-22% of gross salary, which is the main reason for the difference. However, the employer's contributions are also part of your compensation package.
What happens if my social insurance contributions are interrupted?
Interruptions can affect you in several ways: medical insurance coverage stops the month after a gap; pension benefits are calculated cumulatively so the impact is minimal; home purchase and residency policies may require continuous contributions; maternity insurance requires a certain number of consecutive contribution months.
Why do social insurance rates differ between cities?
Each city sets its own contribution rates based on local economic development, average wage levels, and the fund's income-expenditure balance, within the national guidelines. This is why rates can vary from city to city across China.