TopToolsAiEstimate mandatory social insurance contributions in China based on gross salary and the applicable contribution rate for your city. On a gross salary of ¥15,000 a month, mandatory social insurance and housing fund contributions covering pension, medical, unemployment and housing can total well over 20% of gross pay once both employee and employer portions are accounted for, varying by city.
Last updated: 1 Sep 2026
Frequently asked questions
Is the contribution rate the same in every city?
No — social insurance rates and caps vary by city in China, so use the specific rate that applies to your location.
Does this include the housing fund (公积金)?
This focuses on standard social insurance contributions; the housing fund is typically calculated and reported separately.
Does my employer also contribute?
Yes — employers typically contribute a separate (often larger) percentage on top of the employee's share shown here, though that portion isn't deducted from your salary.
Is there a salary cap for contributions?
Yes, most cities cap the salary base used for contribution calculations at a multiple of the local average wage — very high earners may contribute less proportionally than this estimate suggests.
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