Employer Cost

Free employer cost: monthly gross, bonus and headcount plus company SI/HF for monthly and annual true cost. Runs in the browser.

City & contributions

SI Fixed = contribution base. Housing Fixed = amount each side pays (e.g. 1500), ignores %. Empty = salary × rate.

Salary & deductions
This month
Employee SI/HF—
Tax this month—
Take-home—
Employer cost—

Estimated with cumulative wage withholding; for reference only.

City & contributions
Annual settings

If bonus is paid with a month: that month's SI/HF base = wage + bonus (clamped to min/max). Bonus IIT can stay preferential.

Annual summary
Gross total—
Tax total—
Annual net—
Housing fund in—
Cash + HF—
Company cost—
Annual tax bracket analysis
Annual taxable income—
Tax due (progressive)—
Tax prepaid—
Refund / pay—

Cumulative withholding
Bonus (optional)
Taxable income—
Tax rate—
Tax due now—
Cumulative tax—
Refund / pay—

Annual estimate

Basic deduction 60,000/year. Special deductions affect refund.

Tax due—
Prepaid—
Refund / pay—
Taxable—

City & bases
Salary
Employee total—
Company total—
SI base—
HF base—
City & contributions
Employee pay
Monthly employer SI/HF—
Monthly true cost—
Annual cost / person—
Team annual cost—
City & contributions
Plan settings

If checked: net = gross − emp SI/HF − company SI/HF − tax. Tax still only deducts employee SI.

Bonus merges into pay month SI/HF base (wage+bonus, capped). Auto = peak wage month (often already at max base).

Sole goal: maximize annual take-home. Scans wage/bonus split and tax method under the gross budget.

Max take-home plan

Wages—
Bonus—
Gross total—
Employee SI/HF + special—
Basic deduction—
Taxable income—
Annual tax—
Cash net—
Housing fund in—
Cash + HF—
Company cash cost—

HF in = employee + company housing fund (both to your account). Total = cash net + HF in.

Monthly detail
Tax bracket breakdown

SI can be fixed at the min base; varied mode allows different monthly pay. For reference only.

Shared city (bases can differ)
Offer A
Annual net—
Company cost—
Tax—
Employee SI/HF—
Offer B
Annual net—
Company cost—
Tax—
Employee SI/HF—

Individual Income Tax Rate Table 2026

Withholding schedule I (resident wages and salaries)

Level Cumulative taxable income Rate Quick deduction
1Not over 36,0003%0
2Over 36,000 up to 144,00010%2,520
3Over 144,000 up to 300,00020%16,920
4Over 300,000 up to 420,00025%31,920
5Over 420,000 up to 660,00030%52,920
6Over 660,000 up to 960,00035%85,920
7Over 960,00045%181,920

Tax = cumulative taxable income × rate − quick deduction. For wage withholding only; for reference.

15 uses