China personal income tax calculator — monthly, annual, with 5 insurance + 1 fund deductions.
- Runs locally
- Category Calculator
- Best for Getting a realistic range before a purchase, plan, workout, or schedule decision.
Taxable = Income − 5,000 (annual: 60,000) − insurance − special deductions. Tax = annual taxable × bracket − quick deduction. Monthly mode shows the steady-state per-month equivalent.
What this tool does
Free China personal income tax calculator that matches the 2026 State Taxation Administration brackets. Switch between monthly and annual modes, plug in your pre-tax salary, and see the full breakdown: taxable income, the five-insurance-and-one-fund (五险一金) personal portion, every special additional deduction (children 1,000/mo each, continuing education 400, housing loan interest 1,000, housing rent 800/1,100/1,500 by city tier, elderly support up to 3,000), income tax payable, take-home pay, and your effective rate. Built-in contribution-base presets for Beijing, Shanghai, Guangzhou, Shenzhen and Hangzhou auto-cap your base by city limits. 100% client-side — your salary never leaves the browser, no login, no ads on the input.
Tool details
- Input
- Numbers
- The page exposes text boxes, numeric controls, file pickers, or structured inputs depending on the tool.
- Output
- Live result
- The result area focuses on usable output, with copy, download, or preview actions when supported.
- Privacy
- Browser-side processing
- The main tool logic does not call an external API, so inputs normally stay in the current tab.
- Save / share
- No account required
- Open the page and use it; whether results survive refresh depends on the tool.
- Performance budget
- Initial JS <= 16 KB
- No WASM budget is declared, keeping the tool quick to open on mobile.
- Best fit
- Calculator · Finance
- Category and role tags drive related tools, internal links, and quick fit checks.
How to use
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1. Input
Paste or drop your content into the tool panel.
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2. Process
Click the button. All processing is local in your browser.
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3. Copy / Download
Copy the result or download to disk in one click.
How China Income Tax Calculator fits into your work
Use it for fast estimates, comparisons, and planning numbers before you make the final call.
Calculation jobs
- Getting a realistic range before a purchase, plan, workout, or schedule decision.
- Comparing scenarios by changing one input at a time.
- Turning rough assumptions into a number you can discuss.
Calculation checks
- Double-check units, dates, rates, and rounding assumptions.
- Treat health, finance, tax, and legal outputs as planning aids, not professional advice.
- Save the inputs that produced an important result so you can reproduce it later.
Good next steps
These links move the current task into a more complete workflow.
- 1 VAT / Sales Tax Calculator Add tax, remove tax, or find the rate — net ⇄ gross at any VAT / GST / sales-tax rate — instant, browser-only Open
- 2 Mortgage Calculator Mortgage calculator — monthly payment, total interest, amortization schedule, early payoff scenarios. Open
- 3 Percentage Calculator 5 common percentage calculations — "x% of y", "x is what% of y", percentage change, increase/decrease — instant, browser-only Open
Real-world use cases
A Shanghai engineer checks if a job offer's higher gross actually means more take-home
You get an offer at ¥35,000/month gross, up from ¥28,000. Plug both into monthly mode with the Shanghai preset. The new salary pushes part of your income into the 25% bracket, and your provident-fund base hits the city cap, so the extra ¥7,000 gross only nets about ¥4,600. Seeing take-home side by side stops you from over-anchoring on the headline number.
A new parent adds the children's-education deduction and watches the bracket drop
Your first child starts kindergarten, so you can claim ¥1,000/month children's education. On a ¥25,000 salary that ¥1,000 shaves your annual taxable income by ¥12,000. Tick the box and the calculator shows your effective rate falling roughly half a point, worth a few thousand yuan a year. It is the fastest way to confirm a deduction is worth filing for.
A freelancer estimates quarterly cash so a big invoice doesn't blindside them
You bill ¥180,000 for a six-month contract. Switch to annual mode, enter the total, and skip the five-insurance lines you pay yourself. The tool merges it as comprehensive income against the 7-bracket table and shows roughly ¥23,000 owed after the ¥60,000 basic deduction. Now you know to set aside about 13% rather than getting surprised at reconciliation time.
A couple decides who claims the housing-loan-interest deduction
You and your spouse co-own one home with a mortgage. Only one of you can take the ¥1,000/month loan-interest deduction, so run both salaries here. The higher earner sits in the 20% bracket while you sit in 10%, so giving the deduction to the higher earner saves ¥1,200/year versus ¥600. Two runs make the right assignment obvious before you submit on the tax app.
Common pitfalls
Forgetting the ¥5,000/month basic deduction sits on top of five-insurance — people subtract insurance, then tax the rest, and overstate the bill by ¥150+/month. Enter gross and let the tool deduct both layers.
Treating monthly tax as annual ÷ 12 after a mid-year raise — cumulative withholding means a March raise pushes later months into a higher bracket. Use annual mode whenever your salary isn't flat all year.
Double-claiming rent and housing-loan interest, which are mutually exclusive (¥1,000 vs ¥800/1,100/1,500). Picking both inflates your deduction and the year-end reconciliation will claw it back with interest.
Privacy
This calculator runs entirely in your browser. Your salary, contribution base and deduction choices are computed locally and never sent to any server, logged, or shared. When you copy a share link, only non-sensitive inputs like mode and city preset go into the URL — your exact salary figure stays out of it unless you deliberately type it back in.
FAQ
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