China Take-Home Pay Calculator
Estimate your net salary after income tax and contributions in China. All figures are estimates — see our methodology for assumptions.
Calculate your take-home pay
What's your salary?
Enter your gross annual salary and select a country.
Enter the amount in the selected country's local currency.
Your results will appear here
Take-home at a glance
Illustrative salary points in CNY — FY 2025 rates. The CN¥350,000 row ties to the calculator above.
| Gross | Income tax (incl. any subnational) | Social / contributions | Net take-home | Effective rate |
|---|---|---|---|---|
| CN¥100,000 | CN¥675 | CN¥17,500 | CN¥81,825 | 18.2% |
| CN¥200,000 | CN¥7,980 | CN¥35,000 | CN¥157,020 | 21.5% |
| CN¥350,000 | CN¥28,830 | CN¥61,250 | CN¥259,920 | 25.7% |
| CN¥600,000 | CN¥86,054 | CN¥76,753 | CN¥437,193 | 27.1% |
| CN¥1,000,000 | CN¥216,217 | CN¥76,753 | CN¥707,031 | 29.3% |
How tax works in China
FY 2025 rates. All figures are estimates; consult a tax professional for personalised advice.
Standard basic deduction
The first CN¥60,000 of income is tax-free.
Income Tax Brackets
| Income Range | Rate |
|---|---|
| CN¥0 – CN¥36,000 | 3.0% |
| CN¥36,000 – CN¥144,000 | 10.0% |
| CN¥144,000 – CN¥300,000 | 20.0% |
| CN¥300,000 – CN¥420,000 | 25.0% |
| CN¥420,000 – CN¥660,000 | 30.0% |
| CN¥660,000 – CN¥960,000 | 35.0% |
| CN¥960,000 – ∞ | 45.0% |
Social Contributions
Social insurance (pension, medical, unemployment)
Tax deductible| CN¥0 – CN¥438,588 | 10.5% |
Capped at CN¥46,052
Housing Provident Fund (住房公积金)
Tax deductible| CN¥0 – CN¥438,588 | 7.0% |
Capped at CN¥30,701
Model Assumptions
- •Single resident employee; IIT (个人所得税) FY 2025 rates.
- •Social insurance and Housing Provident Fund use Shanghai contribution base: ¥36,549/month ceiling (¥438,588/year). Employee rates: pension 8%, medical 2%, unemployment 0.5%, HPF 7%. Rates and ceilings vary by city.
- •Housing Provident Fund (住房公积金) reduces monthly take-home but is accessible on qualifying home purchase, rental, or other withdrawal events — it is deferred compensation, not a tax.
- •Mandatory social insurance and HPF deductions are subtracted from the IIT taxable base (专项扣除). Special additional deductions (专项附加扣除) for mortgage interest, children's education, elderly care, etc. are not modelled.
Frequently asked questions
Answers based on FY 2025 rates at CN¥350,000 gross.
How much income tax will I pay on CN¥350,000 in China?
On CN¥350,000 gross, income tax is CN¥28,830.
What is the take-home pay on CN¥350,000 in China?
On CN¥350,000 gross in China, the estimated net take-home pay is CN¥259,920 after all income tax and social contributions (effective rate: 25.7%).
Does this include state or provincial tax?
No. China has no state or provincial income tax — all income tax is national.
What is the top income-tax rate in China?
The top income-tax rate in China is 45.0%, applying to income above CN¥960,000. All figures are estimates — consult a tax professional for personalised advice.