Five Insurances and One Housing Fund Calculator

Tool Introduction

The "Five Insurances and One Housing Fund Calculator" is a powerful online tool designed to help users quickly and accurately calculate the individual and company contributions for the five insurances and one housing fund (pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund). Users only need to enter their basic salary and can choose whether to customize the social security and provident fund bases according to actual circumstances, as well as adjust the contribution ratios for each insurance and the provident fund. The tool will instantly display detailed individual and company contribution breakdowns and total expenses. Whether you are HR, finance personnel, or a regular employee, you can easily understand the composition and changes of the five insurances and one housing fund.

What are the Five Insurances and One Housing Fund?

"Five Insurances and One Housing Fund" is an abbreviation for an important social security system in mainland China, specifically referring to:

• Five Insurances:
  • Pension Insurance: Provides security for employees' lives after retirement.
  • Medical Insurance: Provides reimbursement for medical expenses when employees seek medical treatment.
  • Unemployment Insurance: Provides basic living security for unemployed employees.
  • Work-related Injury Insurance: Provides medical treatment and economic compensation for employees injured at work or suffering from occupational diseases.
  • Maternity Insurance: Provides medical services and maternity allowances for female employees during maternity leave (merged with medical insurance in some regions).
• One Housing Fund:
  • Housing Provident Fund: A long-term housing savings fund used by employees to purchase, rent, or extensively renovate housing.

These social security and benefits aim to provide comprehensive protection for employees and promote social harmony and stability. Contribution bases and ratios may vary in different regions, and this calculator supports users to flexibly adjust according to actual circumstances.

How to Use

1. Enter Basic Salary: Fill in your monthly salary amount in the "Basic Salary" field. This is the starting benchmark for calculating the five insurances and one housing fund.
2. Select Custom Base (Optional):
   • If you need to customize the social security or provident fund contribution base according to actual circumstances, please check the "Customize Social Security Base" or "Customize Housing Provident Fund Base" checkboxes.
   • After checking, the corresponding "Social Security Base" and "Housing Provident Fund Base" input fields will appear. Please fill in your actual contribution base there. If not checked, the basic salary will be used as the default calculation base.
3. Adjust Contribution Ratios (Optional):
   • The tool has preset individual and company contribution ratios for each insurance and the provident fund (e.g., individual pension insurance 8%, company pension insurance 20%, etc.).
   • You can adjust the values of all percentage fields, such as "Individual Pension Insurance Contribution Ratio" and "Company Medical Insurance Contribution Ratio", according to the latest policies in your region or company regulations. Please enter numbers directly, for example, 8 represents 8%.
4. Perform Calculation: After completing all parameter settings, click the blue "Calculate Five Insurances and One Housing Fund" button.
5. View Results: The tool will instantly display the calculation results, including the detailed contribution amounts for each of the five insurances and one housing fund for individuals and companies, as well as their respective total expenses.
6. Reset Form (Optional): If you need to recalculate, you can click the gray "Reset Form" button to clear all inputs.

Usage Example

Assume an employee's basic salary is 10,000 yuan, all five insurances and one housing fund ratios use the tool's default values, and the social security and provident fund bases are not customized.

• Example Input Data:
  • Basic Salary: 10000
  • Customize Social Security Base: No
  • Customize Provident Fund Base: No
  • Individual Pension Insurance Contribution Ratio: 8 %
  • Company Pension Insurance Contribution Ratio: 20 %
  • Individual Medical Insurance Contribution Ratio: 2 %
  • Company Medical Insurance Contribution Ratio: 11 %
  • Individual Unemployment Insurance Contribution Ratio: 0.5 %
  • Company Unemployment Insurance Contribution Ratio: 1.5 %
  • Individual Housing Provident Fund Contribution Ratio: 7 %
  • Company Housing Provident Fund Contribution Ratio: 7 %
  • Individual Supplementary Provident Fund Contribution Ratio: 0 %
  • Company Supplementary Provident Fund Contribution Ratio: 0 %
  • Company Work-related Injury Insurance Contribution Ratio: 0.5 %
  • Company Maternity Insurance Contribution Ratio: 1 %
• Operation Demonstration: The user enters "10000" in the "Basic Salary" field on the interface, ensures that both "Customize Social Security Base" and "Customize Provident Fund Base" are unchecked, and keeps other ratios at default. Then clicks the "Calculate Five Insurances and One Housing Fund" button.
• Expected Output Results:

  Individual Contribution Details:

  • Pension Insurance (Individual): 800.00 Yuan (10000 * 8%)
  • Medical Insurance (Individual): 200.00 Yuan (10000 * 2%)
  • Unemployment Insurance (Individual): 50.00 Yuan (10000 * 0.5%)
  • Housing Provident Fund (Individual): 700.00 Yuan (10000 * 7%)
  • Supplementary Provident Fund (Individual): 0.00 Yuan (10000 * 0%)
  • Total Individual Expense: 1750.00 Yuan

  Company Contribution Details:

  • Pension Insurance (Company): 2000.00 Yuan (10000 * 20%)
  • Medical Insurance (Company): 1100.00 Yuan (10000 * 11%)
  • Unemployment Insurance (Company): 150.00 Yuan (10000 * 1.5%)
  • Housing Provident Fund (Company): 700.00 Yuan (10000 * 7%)
  • Supplementary Provident Fund (Company): 0.00 Yuan (10000 * 0%)
  • Work-related Injury Insurance (Company): 50.00 Yuan (10000 * 0.5%)
  • Maternity Insurance (Company): 100.00 Yuan (10000 * 1%)
  • Total Company Expense: 4100.00 Yuan

Frequently Asked Questions

• Q: What input formats does the Five Insurances and One Housing Fund Calculator support? A: This tool primarily supports numerical input. Basic salary, social security base, provident fund base, and all percentage ratio fields require pure numerical input. For example, 8% is entered as 8, and 0.5% is entered as 0.5.
• Q: What is the format of the output results? A: The output results are presented in a clear list format, divided into two main sections: "Individual Contribution Details" and "Company Contribution Details", listing the specific amounts for each of the five insurances and one housing fund, and summarizing the total expenses for individuals and companies.
• Q: How to handle differences in social security/provident fund policies in different regions? A: This calculator offers a high degree of flexibility. You can enter the actual local bases by checking "Customize Social Security Base" and "Customize Housing Provident Fund Base", and you can also adjust the individual and company contribution ratios for each insurance and the provident fund according to local policies to adapt to the policy requirements of different regions.

Notes

• Input Format: Please ensure that all numerical input fields contain only pure numbers, and for percentage ratios, please enter numbers directly (e.g., 8 represents 8%).
• Custom Base: The "Social Security Base" and "Housing Provident Fund Base" fields can only be entered and take effect after checking the corresponding "Customize" checkbox. If not checked, the basic salary will be used as the default calculation base.
• Result Reference: The calculation results of this tool are based on the parameters you entered and general calculation rules. Actual contribution amounts may vary slightly due to minor adjustments in regional policies, rounding rules, social security and provident fund upper and lower limits, and other factors. It is recommended to refer to the official data from the local social security bureau and provident fund management center.
• Data Security: This tool will not store any of your input data, please feel free to use it.