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Accurately calculate employee and employer contributions for Social Security and Housing Fund, with customizable bases and rates.
| Detailed Settings | Personal Contribution (%) | Company Contribution (%) |
|---|---|---|
| Pension Insurance | ||
| Medical Insurance | ||
| Unemployment Insurance | ||
| Work Injury Insurance | ||
| Maternity Insurance | ||
| Housing Fund |
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When unclear deductions appear on your payslip, the Social Security and Housing Fund Calculator clearly breaks down the employee and employer contribution amounts for pension, medical insurance, and the housing provident fund. Based on the contribution rules stipulated in the Social Insurance Law, this tool uses your monthly salary as the calculation base (or a custom base) and automatically calculates the detailed breakdown for both parties according to preset rates. For example, a typical allocation for pension insurance is 8% for the individual and 20% for the employer.
How is the social security base cap determined?
It is published annually by local human resources and social security departments. For example, the 2023 cap for Beijing is 31,884 RMB. Simply check the custom base option and enter this value when calculating.
Why is there a difference between the calculated results and the actual company deductions?
Possible reasons include: the company using your annual average salary as the base, the implementation of supplementary housing fund policies, or existing social security reduction/exemption policies. It is recommended to verify the base for each insurance type against your actual payslip.
Maternity insurance has been merged into medical insurance for calculation purposes; work injury insurance and maternity insurance are entirely borne by the employer; the calculation results do not include individual income tax; some cities have a minimum contribution limit for the housing fund.
It is recommended that HR professionals use this tool during the annual social security base declaration period to compare multiple scenarios: ① Calculate based on actual salary; ② Calculate based on the previous year's average salary; ③ Calculate based on the minimum base. For example, the calculation difference for a monthly salary of 25,000 RMB in Shanghai: under scenario ①, the individual contribution is 1,750 RMB (7%); under scenario ②, calculating based on the cap of 34,188 RMB results in a contribution of 2,393.16 RMB.
