TopToolAIChina Housing Provident Fund Calculator
ⓘ About this tool
🔄 Last updated 25 Sep 2026
✓ Reviewed by TopToolAI Team
Enter your monthly salary and city contribution rate to estimate your Housing Provident Fund contribution and employer match.
How to use China Housing Provident Fund Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
How to use China Housing Provident Fund Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
-
1
Monthly gross salary (¥) Number
Your monthly gross salary, which is the base for the contribution.
Example: 15000
-
2
Contribution rate % Number
The rate set by your city, usually between 5 and 12.
Example: 7
-
3
Press “Calculate”
Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.
-
4
Read your result
You see your monthly housing fund contribution. Change any box and try again to compare different numbers.
China Housing Provident Fund Calculator FAQs
Can I withdraw the fund early?
Withdrawal rules vary by city and are generally limited to housing-related purposes.
Is the employer required to match?
Yes, employers must make a matching contribution alongside the employee's share.
What is the housing provident fund?
A compulsory savings scheme where employees and employers each pay a share of salary into an account used mainly for housing.
How much is contributed to the housing provident fund?
The rate is set within a range by each city, and employer and employee usually pay the same percentage. Check your local rate.
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