Guangdong · Zhaoqing
Zhaoqing salary and social insurance calculator (2026)
Enter a gross monthly salary to see what a company in Zhaoqing pays each month (salary, social insurance and housing fund), what the employee takes home, and the total yearly cost. Income tax uses China's cumulative withholding method, month by month.
In Zhaoqing, an employee on a gross salary of ¥8,000 a month costs the company about ¥10,264.00 a month (salary plus employer social insurance and housing fund), or ¥123,168.00 a year. The employee takes home about ¥6,730.48 in January, ¥80,765.76 for the year.
Total yearly cost
Average monthly cost
Company insurance & fund / year
Employee net pay / year
Company spend per month
- Company insurance & fund
- Employee insurance & fund
- Income tax
- Net pay
Monthly breakdown (CNY)
| Month | Gross salary | Co. insurance | Co. housing fund | Company total | Emp. insurance | Emp. housing fund | Income tax | Net pay |
|---|---|---|---|---|---|---|---|---|
| Jan | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Feb | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Mar | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Apr | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| May | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Jun | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Jul | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Aug | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Sep | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Oct | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Nov | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Dec | 8,000.00 | 1,864.00 | 400.00 | 10,264.00 | 816.00 | 400.00 | 53.52 | 6,730.48 |
| Year total | 96,000.00 | 22,368.00 | 4,800.00 | 123,168.00 | 9,792.00 | 4,800.00 | 642.24 | 80,765.76 |
Monthly insurance and housing fund (CNY)
| Item | Base | Company | Employee | Total |
|---|---|---|---|---|
| Pension | 8,000.00 | 1,280.00 | 640.00 | 1,920.00 |
| Medical | 8,000.00 | 440.00 | 160.00 | 600.00 |
| Maternity | 8,000.00 | 64.00 | 0.00 | 64.00 |
| Unemployment | 8,000.00 | 64.00 | 16.00 | 80.00 |
| Work injury | 8,000.00 | 16.00 | 0.00 | 16.00 |
| Housing fund | 8,000.00 | 400.00 | 400.00 | 800.00 |
| Per month | 2,264.00 | 1,216.00 | 3,480.00 |
Zhaoqing social insurance and housing fund rates, 2026
| Period | Item | Base min–max | Company rate | Employee rate |
|---|---|---|---|---|
| Jan–Jun | Pension | 5,510 – 27,549 | 16% | 8% |
| Medical | 4,520 – 22,599 | 5.5% | 2% | |
| Maternity | 4,520 – 22,599 | 0.8% | 0% | |
| Unemployment * | 1,850 – 26,580 | 0.8% | 0.2% | |
| Work injury | none | 0.2% – 1.4% | 0% | |
| Housing fund * | 1,850 – 26,580 | 5% – 12% | 5% – 12% | |
| Jul–Aug | Pension | 5,521 – 27,603 | 16% | 8% |
| Medical | 4,520 – 22,599 | 5.5% | 2% | |
| Maternity | 4,520 – 22,599 | 0.8% | 0% | |
| Unemployment * | 1,850 – 28,220 | 0.8% | 0.2% | |
| Work injury | none | 0.2% – 1.4% | 0% | |
| Housing fund * | 1,850 – 28,220 | 5% – 12% | 5% – 12% | |
| Sep–Dec | Pension | 5,521 – 27,603 | 16% | 8% |
| Medical | 4,520 – 22,599 | 5.5% | 2% | |
| Maternity | 4,520 – 22,599 | 0.8% | 0% | |
| Unemployment * | 2,040 – 28,220 | 0.8% | 0.2% | |
| Work injury | none | 0.2% – 1.4% | 0% | |
| Housing fund * | 2,040 – 28,220 | 5% – 12% | 5% – 12% |
Bases in CNY per month. The work injury rate depends on the industry risk class; offices and trading companies use the lowest class. The company chooses the housing fund rate within the allowed range, and the employee pays the same rate.
* No official notice found yet for this figure; the calculator uses the latest official figure or common practice. Check with the local authority.
Medical and maternity are collected together: company 6.3% (5.5% medical, 0.8% maternity), employee 2%. Work injury floating rates are suspended.
Housing fund bases use the minimum wage (minimum) and the same maximum as unemployment; the fund centre's notice could not be verified yet.
Unemployment uses 0.8% company / 0.2% employee; no official notice found yet extending the reduced rate into 2026.
Official sources
- 关于公布2026年职工基本养老保险缴费基数上下限有关问题的通知（粤人社发〔2026〕24号） 广东省人力资源和社会保障厅 · 2026-10-08
- 关于公布2025年职工基本养老保险缴费基数上下限和基本养老金计发基数等有关问题的通知（粤人社发〔2025〕32号） 国家税务总局广东省税务局 · 2025-10-27
- 肇庆市社保费费率费基一览表（2025年7月-2026年6月） 国家税务总局肇庆市税务局 · 2026-01-07
- 肇庆市社保费费率费基一览表（2026年7月-2027年6月） 国家税务总局肇庆市税务局 · 2026-07-01
- 肇庆市社保费费率费基一览表（2026年9月更新） 国家税务总局肇庆市税务局 · 2026-08-31
- 广东省9月1日起调整提高最低工资标准（粤府函〔2026〕188号） 广东省人力资源和社会保障厅 · 2026-08-13
How it is calculated
- Contribution base: the employee's actual salary, raised to the minimum or capped at the maximum. Bases can change in January or July; the calculator uses the right period for each month.
- Social insurance and housing fund: base × company or employee rate, every month, rounded to the fen.
- Individual income tax: cumulative withholding. Each month, cumulative taxable income = salary to date − employee insurance and fund to date − ¥5,000 × months − special deductions to date. Tax on that total from the annual rate table, minus tax already withheld, is the month's tax.
- Company spend = gross salary + company insurance + company housing fund. Net pay = gross salary − employee insurance − employee housing fund − income tax.
Frequently asked questions
What are the social insurance rates in Zhaoqing in 2026?
From Sep, companies in Zhaoqing pay about 23.3% and employees 10.2% of the contribution base: Pension 16% company / 8% employee; Medical 5.5% company / 2% employee; Maternity 0.8% company / 0% employee; Unemployment 0.8% company / 0.2% employee; Work injury 0.2% company / 0% employee (work injury ranges 0.2%–1.4% by industry; the lowest class is shown).
What are the minimum and maximum contribution bases in Zhaoqing?
Sep–Dec: pension ¥5,521–27,603, medical ¥4,520–22,599, unemployment ¥2,040–28,220, housing fund ¥2,040–28,220 a month. Salaries below the minimum pay on the minimum; above the maximum, on the maximum.
How much does an employee on ¥8,000 a month cost a company in Zhaoqing?
About ¥10,264.00 a month: the ¥8,000 salary plus ¥1,864.00 employer social insurance and ¥400.00 employer housing fund (at 5%). That is about ¥123,168.00 a year. The employee takes home about ¥6,730.48 in January.
Why does take-home pay change from month to month in China?
Mainly because income tax is withheld cumulatively: each month tax is worked out on income since January, so once the running total crosses into a higher bracket, later months are taxed more and net pay falls. It resets every January. Contribution bases also change in January or July, which changes deductions mid-year. The company's monthly cost stays about the same.
What is the housing fund rate in Zhaoqing?
The company and the employee pay the same rate, chosen by the company between 5% and 12%; this calculator defaults to 5%. The base is ¥2,040–28,220 a month.
Can a company pay social insurance on the minimum base?
The rules require contributions on the employee's actual salary (within the limits). Paying on the minimum base when the salary is higher is non-compliant and can lead to back payments. The calculator's minimum-base option is for comparison only.
Other cities
Estimates only, not tax or legal advice. Income tax assumes a full year at the same salary with no other comprehensive income; bonuses and service fees are taxed separately. Provided by Foshan Yuansheng Tongda Trading Co., Ltd.