Social Insurance Base Calculator
Enter your monthly salary and city to calculate the social insurance contribution base, including floor and ceiling handling, then see employer and employee contributions for pension, medical, unemployment, work injury and maternity insurance plus the housing fund, with adjustable rates.
FreeOnline Tool
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How to Use
- Select your city, with the latest 2025 contribution base floors and ceilings built in for Beijing, Shanghai, Guangzhou and Shenzhen, or choose Custom City to enter local limits yourself
- Enter your monthly salary. The tool applies the rule that the base equals your salary but is never below the floor or above the ceiling, and flags when it has been raised to the floor or capped at the ceiling
- Expand the contribution rate panel to adjust employer and employee percentages for pension, medical, unemployment, work injury, maternity and the housing fund to match your employer or city
- The table below shows employer contribution, employee contribution and the total for each item in real time
- Click Load Sample Data to see a complete worked example
Features
- Latest published 2025 contribution base floors and ceilings for Beijing, Shanghai, Guangzhou and Shenzhen, filled in automatically when you switch city
- Detects whether the base has been raised to the floor or capped at the ceiling and highlights it, explaining why the base does not match your salary
- Custom City mode lets you enter local floors and ceilings by hand, covering anywhere outside the preset list
- All six rates (pension, medical, unemployment, work injury, maternity and housing fund) can be adjusted, with common reference values supplied by default, such as the nationally uniform 16% employer and 8% employee pension rates
- Produces a three-column breakdown of employer, employee and total contributions that you can check line by line against your payslip
Use Cases
Estimating take-home pay before joining
After receiving an offer, enter the monthly salary to estimate total employee contributions and get a sense of actual take-home pay.
Checking payslip deductions
Employees who suspect the deduction rates are wrong can recalculate with the correct local percentages and compare line by line against the payslip.
Understanding the ceiling as a higher earner
Employees on higher salaries can see whether their base has already been capped and what the maximum monthly deduction will be.
Checking the floor on low or intern salaries
Employees earning below the local minimum base can see that contributions are calculated on the floor rather than on their actual salary.
FAQ
Is the contribution base the same as my salary?
No. The base is normally your average monthly salary for the previous year, but it must sit inside the locally published range. Below the floor it is raised to the floor, above the ceiling it is capped, and only when your salary falls inside the range does the base equal the salary itself.
My city is not in the preset list. What do I do?
Choose Custom City and enter the current floor and ceiling published by your local human resources or social insurance bureau. The calculation logic is identical.
Why do I have to adjust the contribution rates myself?
Pension rates of 16% for employers and 8% for employees are uniform nationwide, but medical, unemployment, work injury, maternity and housing fund rates vary widely. Employer medical rates range from 4% to 10%, and housing fund rates from 5% to 12% at the employer's choice. The tool supplies common reference values, so adjust them to the actual figures on your payslip or from HR.
Why is there no employee contribution for work injury and maternity insurance?
Under current policy the employer bears the full cost of work injury and maternity insurance, so the employee contribution for those two items is always zero.
The result does not match my payslip. What should I check?
Common causes are a fixed additional amount for local serious illness medical coverage, which you can enter in the expanded panel, a housing fund rate different from the default, or a base assessment period different from the tool's assumption. Your HR department or the local social insurance office is the authority.