How to calculate three insurances and one gold？ What are the criteria for this calculation？

2025年9月14日 | admin | C3

Calculation method and standard of three insurances and one gold

Before understanding the calculation of three insurances and one gold, let’s make clear the contents of three insurances and one gold. Three insurances usually refer to endowment insurance, medical insurance and unemployment insurance, while one gold refers to housing accumulation fund.

The calculation of endowment insurance is mainly based on the individual’s salary base and contribution ratio. Generally speaking, the unit contribution ratio is about 16%, and the individual contribution ratio is 8%. Suppose your monthly salary is 8,000 yuan, then the unit will pay about 1,280 yuan (8,000× 16%) for your old-age insurance, and the individual will pay about 8,000× 8% for your old-age insurance.

The calculation of medical insurance is also related to the salary base. The unit contribution ratio is usually around 8%, and the individual contribution ratio is 2%. Taking the monthly salary of 8,000 yuan as an example, the unit pays about 640 yuan (8,000× 8%) and the individual pays about 160 yuan (8,000× 2%) every month.

The contribution rate of unemployment insurance is relatively low, the unit contribution rate is generally about 0.5%, and the individual contribution rate is 0.5%. Similarly, taking the salary of 8,000 yuan as an example, the unit pays about 40 yuan (8,000× 0.5%) and the individual pays about 40 yuan (8,000× 0.5%) every month.

The deposit ratio of housing provident fund is between 5% and 12%, and the deposit ratio of units and individuals is the same. Assuming that the deposit ratio is 10% and the monthly salary is 8,000 yuan, each unit and individual will pay 800 yuan (8,000× 10%) each month.

In order to show the calculation method of three insurances and one gold more clearly, the following is a simple table:

insurance type Unit contribution ratio Individual contribution ratio Take the monthly salary of 8,000 yuan as an example. Take the monthly salary of 8,000 yuan as an example. endowment insurance 16% 8% 1280 yuan 640 yuan medical insurance 8% 2% 640 yuan 160 yuan unemployment insurance 0.5% 0.5% 40 yuan 40 yuan housing accumulation fund 5%-12% 5%-12% 400-960 yuan 400-960 yuan

It should be noted that the above payment ratio and calculation method are only a general reference, and the specific ratio and calculation standard may be different due to factors such as regional and unit policies. In addition, the payment base also has upper and lower limits, which are generally determined according to a certain proportion of the local average social wage in the previous year.

In the actual calculation of three insurances and one gold, you can consult the human resources department of your unit or the local social security department to obtain the most accurate information and calculation results.

In a word, it is of great significance to understand the calculation method of three insurances and one fund for protecting one’s rights and interests and planning personal finance.

(Editor in charge: difference extension)

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