Net Salary Calculator

The net salary calculator is the main entry: gross pay minus SI/HF and tax equals take-home. Salary and tax data are calculated locally in your browser and never uploaded.

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.

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