China Salary Calculator
China salary calculator for 2026 converting monthly gross pay to net take-home in yuan. Applies social insurance (pension 8%, medical 2%, unemployment 0.5%) and housing fund (7%) deductions, then China IIT with the 5,000 CNY monthly standard deduction. Shows annual tax, monthly withholding, employer cost, and effective deduction rate. Built for expats, remote workers, and HR teams calculating Chinese payroll.
Regional Rule Context
China Rates and Rules
China 2026 net take-home: subtract employee social insurance (pension 8%, medical 2%, unemployment 0.5% = 10.5%) and housing fund (commonly 7%) from gross, then apply IIT with 5,000 CNY/month standard deduction and progressive brackets. National-reference SI base cap 36,549 CNY/month (Shanghai 2024). Employer pays additional ~33% to 40% on top (pension 16%, medical 10%, matching HF).
Enter Values
Your pre-tax monthly salary before any deductions
Result
Enter values above and click Calculate to see your result.
AI Assistant
Ask about this calculator
I can help you understand the china salary calculator formula, interpret your results, and answer follow-up questions.
Try asking
China salary calculator for 2026. Computes net monthly take-home in yuan by subtracting employee social insurance and housing fund from gross, then applying IIT on the remainder after the 5,000 CNY/month standard deduction. Employee social insurance: pension 8%, medical 2%, unemployment 0.5% (total 10.5%). Employee housing fund: 5% to 12%, commonly 7%. Employer side: pension ~16%, medical ~10%, unemployment 0.5%, maternity 1%, work injury 0.2 to 2%, plus matching housing fund, totalling roughly 33% to 40% on top of gross salary. Social insurance and housing fund bases are capped; this calculator uses the Shanghai 2024 reference cap of 36,549 CNY/month, which is similar in Beijing and Shenzhen. Smaller cities have lower caps (18,000 to 25,000 CNY). Expats with work permits are required to enroll in Chinese SI, though bilateral treaty nationals get partial exemption.
Disclaimer: This calculator uses publicly available rules effective as of Jan 1, 2026 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Apr 23, 2026.
Formula
Subtract employee social insurance (10.5%) and housing fund (7%) from gross salary, apply the 5,000 CNY monthly standard deduction, then compute IIT on the annualized taxable income using the seven-bracket progressive schedule.
China FAQs
How does a Shanghai salary compare to one in Chengdu for take-home?
Shanghai uses the highest social insurance base cap (36,549 CNY/month in 2024) so high earners deduct more SI in absolute terms. Smaller cities like Chengdu cap around 24,000 CNY, so the same 50,000 CNY gross keeps more take-home in Chengdu (about 38,500 net vs 36,400 in Shanghai) before cost-of-living adjustments. Lower local wages also mean lower IIT withholding on sliced income.
Why is the Housing Provident Fund called 公积金 and how do I withdraw it?
The Housing Provident Fund (住房公积金, jiǎnjīn) is a state-mandated savings pool co-funded by employee and employer, typically 7% each. You can withdraw it for home purchase, mortgage repayment, documented rent, or at retirement. Unused balances earn a government-set rate of about 1.5% annually. Most cities require 12 consecutive months of contribution before first withdrawal.
On a 50,000 CNY Shanghai salary, what arrives in my bank account?
With Shanghai caps: social insurance deducts 3,837 CNY, housing fund 2,558 CNY, then IIT applies to 38,605 CNY taxable (after the 5,000 CNY monthly standard deduction). Monthly IIT is about 7,172 CNY. Net deposited each month is approximately 36,433 CNY, which converts to roughly 5,060 USD at 7.2 CNY per USD.
Which expats qualify for the treaty social insurance exemption?
Nationals of Germany, Japan, South Korea, Denmark, Canada, Finland, Switzerland, the Netherlands, France, Spain, Luxembourg, and Serbia can be exempt from pension, unemployment, and maternity contributions under bilateral totalization treaties. Medical insurance and work injury remain mandatory for all expats. US, UK, and Australian nationals have no treaty and must enroll in full. Housing fund is optional for all expats.
What does it really cost to employ someone on a 30,000 CNY salary in China?
Employer side adds pension 16%, medical 10%, unemployment 0.5%, maternity 1%, work injury 0.4% (industry average), and matching 7% housing fund on top of gross. On 30,000 CNY gross, that is roughly 10,470 CNY extra employer cost per month, pushing the fully loaded cost to about 40,470 CNY. Annualized with 13-month pay, a 30K hire costs a company around 526,000 CNY.
Can I use the Beijing, Shenzhen, or Guangzhou cap instead of the Shanghai reference?
Yes. The national reference of 36,549 CNY per month is Shanghai 2024, used as a close proxy. Beijing 2024 is about 36,921 CNY, Shenzhen 36,072 CNY, Guangzhou 33,786 CNY. Smaller tier-2 cities like Hangzhou or Chengdu cap near 24,000 CNY. For precise payroll, substitute your local cap by editing the calculator base cap input manually.
Through 2027, how can I use the annual bonus preferential tax treatment in China?
Employees can elect to tax a one-off annual bonus (年终奖) separately using a special monthly schedule: divide the bonus by 12, find the matching tax bracket, then apply that rate to the full bonus with quick deduction. This typically saves 20 to 35% tax versus lumping it with salary. The option expires 31 December 2027; from 2028 all bonuses roll into comprehensive income.
How can I put this China Salary Calculator on my blog or website?
Yes, the China Salary Calculator is fully embeddable. Tap "Embed" above to configure appearance and copy the code. It is free to use, works on any platform (HTML, WordPress, CMS), and adjusts to any screen size automatically. Visit calculory.com/services/embed-calculators for the complete guide.
AI Assistant
Ask about this calculator
I can help you understand the china salary calculator formula, interpret your results, and answer follow-up questions.
Try asking
More China Calculators
Secure and Private
All calculations run locally. Your tax data never leaves your browser.
Verified Precision
Accurate Tax Calculations Powered by Calculory AI