China Take-Home Pay Calculator CNY
By Chuck, Finance Atlas — Updated October 2026
From monthly gross salary to the money that lands in your account: editable employee social insurance and housing fund percentages, the ¥60,000 standard deduction, your declared special additional deductions, and the statutory 3%–45% IIT brackets.
Your salary before any deductions.
Employee Contributions (editable — they vary by city)
Pre-filled with the common national employee rates. Contribution percentages and bases are set per city and are capped locally — edit them to match your payslip.
Employee share — 8% is the common national rate.
Employee share — 2% is common; some cities add a small fixed fee.
Employee share — commonly 0.2%–0.5% by city.
Employee share — 5%–12% depending on city and employer.
Deductions From Taxable Income
专项附加扣除 — children's education, elderly care, housing loan interest, rent, and similar items you have declared. Enter your monthly total.
Enterprise annuity, commercial pension products and similar items — enter your monthly total.
Monthly Take-Home Pay
¥0
Educational estimate only — not financial advice. Confirm exact figures with your lender.
- Monthly Gross Salary
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- Employee Contributions
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- Contribution Rate
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- Annual Taxable Income
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- Individual Income Tax
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- IIT Per Month
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- Net Per Year
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- Total Deduction Rate
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All amounts in Chinese yuan (CNY, ¥) — not Japanese yen.
Budget the take-home → What mortgage could this carry? →The statutory IIT brackets your salary falls into — annual comprehensive income, 2018 revision of the Individual Income Tax Law
| Annual Taxable Income | Rate | Quick Deduction |
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How Take-Home Pay Works in China
A Chinese payslip loses money in two separate places, and they are calculated differently. Employee social insurance and housing fund contributions are percentages of your contribution base — roughly 10.5% plus a housing fund share between 5% and 12%, though the exact percentages and the base caps are set per city. Individual Income Tax (个人所得税, IIT) is then charged on what is left, after the ¥60,000 annual standard deduction and any special additional deductions you have declared, using the statutory progressive brackets from 3% to 45%.
The statutory piece: IIT brackets
The brackets shown in the table below are statute — the Individual Income Tax Law as amended in 2018, in force since 2019, unchanged since. Comprehensive income (salaries, wages and similar) is taxed annually on a cumulative basis; employers withhold monthly using the cumulative withholding method, which averages out over the year to the annual calculation this calculator performs. The quick deductions in the table are the statutory shortcuts that make the progressive math one line instead of seven.
Special additional deductions are yours to declare
专项附加扣除 — special additional deductions for children's education, continuing education, major medical expenses, housing loan interest, housing rent, elderly care, and infant care — reduce your taxable income, but only if you have declared them to your employer or in the annual reconciliation through the personal income tax app. The calculator does not guess them: the field is yours to fill with your actual monthly total.
What the Results Mean
The Monthly Take-Home Pay figure is gross salary minus employee contributions minus averaged monthly IIT. The contribution rate line shows the total percentage leaving your salary before tax. This is an estimate, not an official determination: contribution bases are capped per city (typically 60%–300% of local average wage), so high salaries can see lower real contributions, and individual months can differ from the annual-method average because of cumulative withholding.
Frequently Asked Questions
How accurate is this take-home pay estimate?
The IIT maths is exact against the statutory brackets and the deductions you enter. The social insurance percentages are the common national employee rates and are editable — but real contributions are computed on your city's contribution base, which is capped (commonly 60%–300% of local average wage), so the estimate is closest for mid-range salaries. Treat the result as a close planning figure, not a payslip replacement.
Why does my actual payslip tax differ month to month?
Employers withhold IIT using the cumulative withholding method: each month's tax is computed on year-to-date income, so as your cumulative income crosses bracket boundaries the monthly withholding steps up. Over a full year it converges to the annual computation this calculator performs — which is why the two agree at year-end even when individual months differ.
What are special additional deductions?
They are the 专项附加扣除 items — children's education, continuing education, major medical, housing loan interest, housing rent, elderly care and infant care — that reduce taxable income once declared. They are personal: the calculator leaves the field at zero and lets you enter your own declared monthly total.
Does the housing fund contribution disappear?
No — the employee housing fund share leaves your salary but lands in your own housing fund account, where it accumulates with the employer's matching share. It is unavailable as spendable cash but it is yours, and it can fund a housing-fund loan or be withdrawn under qualifying conditions. From a cash-flow view it still reduces take-home pay, which is how the calculator treats it.