Social Security & Housing Fund

Decode your social insurance & housing fund — the hidden lines on every payslip

The Social Security & Housing Fund calculator covers 30+ Chinese cities across all six programs — pension, medical, unemployment, work-injury, maternity and housing fund — computing both employee and employer contributions. Pick your city, enter the base, and see take-home changes and full employment costs. Rates follow local HR bureaus' published figures. Built for employees, HR and business owners; everything computes locally.

Enter Contribution Details

Shenzhen
Popular Cities
Shenzhen Guangdong
Beijing Municipality
Shanghai Municipality
Guangzhou Guangdong
East China
Hangzhou Zhejiang
Nanjing Jiangsu
Suzhou Jiangsu
Xiamen Fujian
West China
Chengdu Sichuan
Chongqing Municipality
Xi'an Shaanxi
Central China
Wuhan Hubei
Changsha Hunan
North China
Tianjin Municipality
Others
Custom Rate
12%
5% Min
6%
7%
8%
9%
10%
11%
12% Max
2%
2% Standard
2.1%
2.2%
Current City
Shenzhen
Policy Update
Estimated from your input base
Tip: contribution rates are set locally and differ by city. Pick your actual city for more accurate results.

2026 Guide to Social Insurance & Housing Fund Rules

What is social insurance & housing fund?

"Social insurance & housing fund" is the collective term for employer-provided benefits, including:

  • Social insurance: pension, medical, unemployment, work-injury, and maternity insurance
  • Housing fund: the housing provident fund

Pension, medical and unemployment insurance are shared between employee and employer; work-injury and maternity are employer-only.

What happens if contributions lapse?

  • Medical reimbursement: inpatient coverage usually stops the month after a lapse
  • Home purchase eligibility: some cities require continuous contributions
  • License plate lottery: tier-1 cities require continuous contributions
  • Hukou points: contributions are a key criterion for residency points

What can the housing fund be used for?

  • Home loans: provident fund rates as low as 2.6% — well below commercial loans
  • Withdraw for rent: renters may withdraw the fund to pay rent
  • Withdraw for renovation: supported in some regions
  • Withdraw at retirement: the balance can be withdrawn in full

Note: social insurance rules vary by city; contribution rates follow the local bureau. Results are for reference only.

Frequently Asked Questions

How is the contribution base determined?

Based on your average monthly wage last year, bounded by the local minimum and maximum base (typically 3x the average wage).

Does the employer pay more than the employee?

The employer pays more. Employee: ~10.5% (pension 8% + medical 2% + unemployment 0.5%); employer: ~30.5%–39.7%.

Can I withdraw from the housing fund?

Yes — home purchase, rent, renovation, retirement, resignation and serious illness all qualify. Local rules vary slightly.

What about social security when moving cities?

1) Transfer pension and medical coverage online via the national social security platform; 2) housing fund balances transfer across cities.

📚 Further Reading

Want to dig into the rules and math behind Social Security & Housing Fund? Recommended reading:

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Social insurance & housing fund 2026: bases, rates, transfers
How much do you actually contribute? What's the employee/employer split? How do transfers work when you move cities? Everything practical about 2026 social insurance & housing fund, in one place.
⏱ About 9 min read