Social insurance calculator (five insurances plus housing fund)
Monthly salary and contribution base (with editable limits) → what you pay, what the employer pays and the yearly total; every rate is editable.
Input
上下限查当地社保局公布值，常见为当地社平工资的 60%~300%；工资低于下限按下限缴、高于上限按上限缴。
工伤保险与生育保险个人不缴，所以个人只有四项；公积金个人常见 5%~12%。
工伤按行业风险类别 0.2%~1.9% 确定，生育已并入医疗的地区填 0（本页不单列生育项）。
结果（估算口径，比例与基数按你的输入）
个人部分（每月从工资代扣）
单位部分（每月由单位缴纳）
一年合计（×12）
公积金个人 + 单位部分全部进入你个人账户，可用于购房、租房、还贷等（以当地政策为准）——它是你自己的钱，不是成本。结果由浏览器本地计算，刷新即清空。
五险一金每月交多少：基数、比例与上下限
五险一金 = 养老 + 医疗 + 失业 + 工伤 + 生育保险 + 住房公积金。每月从工资里代扣的个人部分主要是四项（工伤、生育个人不缴）：养老 8%、医疗约 2%、失业 0.2%~1%、公积金 5%~12%；单位部分为养老 16%、医疗约 8%~10%、失业 0.5%、工伤 0.2%~1.9%、公积金 5%~12%。每一笔的金额 = 缴费基数 × 比例，所以先把两件事搞清楚：你的基数是多少、各项比例各是多少。
缴费基数不等于工资。通常按你上一年度的月平均工资核定、每年调整一次；低于当地基数下限的按下限缴，高于上限的按上限缴（常见口径是当地社会平均工资的 60%~300%，具体数字每年由当地社保局公布）。新入职常遇到「按起薪先核、年底再调」或「先按下限核」的情况，最终以单位社保缴费明细为准。本页的基数一栏留空就按工资算，也可以直接填核定基数，并支持上下限钳制——工资再高也只按上限算。
比例为什么各城市不一样？国家只统一了框架（比如养老个人 8%、单位 16% 是全国统一的），医疗、失业、公积金的比例由各省市区在框架内落地，所以同样是 1 万工资，两个城市每月扣的钱可能差出几百元。本页默认值只是常见参考（个人 8 / 2 / 0.5 / 12，单位 16 / 8 / 0.5 / 工伤 0.4 / 12），每一项都可以改成你所在城市的实际标准，改完立即重算。
公积金是「自己的钱」。个人缴的部分与单位缴的对应部分，全部进入你名下的住房公积金个人账户，可以用于购房、租房、还贷（各地政策不同），符合条件的也能提取——它不是「交给国家的成本」，更像是延迟支付的收入。这也是本页把公积金单列、并在结果里单独说明的原因。
关于本页的数据。月工资、基数、比例全部只在你的浏览器里做算术，页面不发起任何网络请求，也不写 localStorage、cookie 或网址参数，刷新即清空。工资与社保信息属于敏感个人信息，这也是本页不做云端计算的原因；比例与基数为参考口径，实际缴费以你单位社保缴费明细与当地社保局核定为准。
FAQ
It is assessed from your average monthly wage of the previous year and adjusted once a year; below the local lower bound you contribute at the lower bound, above the upper bound at the upper bound (a common local rule is 60%~300% of the local average social wage, subject to what the social security bureau publishes). New hires are usually assessed initially on their starting salary or the local lower bound. This page defaults to using the monthly wage you enter as the base, but you can enter the base assessed by the social security bureau directly, with upper/lower-bound clamping supported.
Four items: pension 8%, medical about 2%, unemployment 0.2%~1% (this page defaults to 0.5%), and the housing fund 5%~12% (this page defaults to 12%). Work injury and maternity are not paid by individuals. Every rate can be changed to your city's actual standard, and the page recalculates immediately.
Five items: pension 16%, medical about 8%~10% (this page defaults to 8%), unemployment 0.5%, work injury 0.2%~1.9% (set by industry risk class; this page defaults to 0.4%), and the housing fund 5%~12% (usually matching the individual rate). In regions where maternity has been merged into medical insurance, the employer's medical rate already includes maternity, and this page does not list it separately.
National rules only set the framework (for example, pension 8% individual and 16% employer is uniform nationwide); the other items are implemented by each province and city within that framework, so medical, unemployment and housing fund rates vary by city. The defaults here are just common references - every rate is editable, and what counts is your employer's contribution statement or the assessment of your local social security bureau.
No. All calculation happens only in your browser; the page makes no network requests, writes nothing to localStorage, cookies or URL parameters, and refreshing clears everything.