Take-Home Pay Calculator 2026

Gross salary − social insurance & housing fund − IIT = what actually lands in your bank account.

How take-home pay is calculated

Social insurance = Gross × (8% + 2% + 0.5% + fund%) Taxable = Gross − Social insurance − 5,000 − Deductions IIT = Taxable × rate − quick deduction Take-home = Gross − Social insurance − IIT

For detailed bracket tables and examples, see the income tax calculator.

FAQ

What are the personal social insurance rates?

Typical personal rates: pension 8%, medical 2%, unemployment 0.5%, housing fund 5–12% (city-dependent). Total ≈ 15.5%–22.5% of gross salary. Employers pay a much larger share on top.

Why is my take-home higher than this result?

Possible reasons: your city's social insurance base is capped or floored (not your full salary), housing fund is lower, or annual bonus is taxed separately. This calculator uses your full salary as the base.