TopToolAIChina Salary Take-Home Calculator
ⓘ About this tool
🔄 Last updated 25 Sep 2026
✓ Reviewed by TopToolAI Team
Enter your gross monthly salary and city to estimate your net take-home pay after IIT and social insurance.
How to use China Salary Take-Home Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
How to use China Salary Take-Home Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
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1
Monthly gross salary (¥) Number
Your monthly salary before any deductions.
Example: 20000
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2
Social insurance + housing fund rate % Number
Your own contribution rate. Between 10 and 12 is usual but it depends on your city.
Example: 10.5
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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.
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4
Read your result
You see your estimated take-home pay each month. Change any box and try again to compare different numbers.
China Salary Take-Home Calculator FAQs
Why do social insurance rates vary by city?
Each city sets its own contribution base and rates within national guidelines.
Does this include the housing provident fund?
Yes, the mandatory housing fund deduction is included in the take-home estimate.
What is the difference between gross and take-home salary in China?
Gross salary is before deductions. Take-home pay is what is left after social insurance, housing fund and individual income tax.
What deductions come out of a Chinese salary?
Social insurance contributions, the housing provident fund and individual income tax. Some employers add other items.
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