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China Social Insurance Calculator

China Tools Free Updated 1 Sep 2026
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ⓘ About this tool 🔄 Last updated 1 Sep 2026 ✓ Reviewed by TopToolAI Team

Estimate 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.

How to use China Social Insurance Calculator

Step-by-step guide to the boxes below. Open it only if you need help.
  1. 1
    Monthly gross salary (CNY) Number

    Your monthly salary before deductions.

    Example: 12000

  2. 2
    Press “Calculate”

    Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.

  3. 3
    Read your result

    You see your monthly social insurance contribution. Change any box and try again to compare different numbers.

Go to the calculator

China Social Insurance Calculator FAQs

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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