How much is it to deduct five insurances from three thousand wages?

Five risks are deducted from the salary of 3,000 yuan as follows: 3,000 times 19% plus 10 = 580 yuan.

The proportion of endowment insurance payment is 8% of individual salary; The proportion of medical insurance payment is 2% of personal salary plus 3 yuan; Unemployment insurance payment ratio is 0.2% of individual salary; Work injury insurance and maternity insurance are paid by the unit, and individuals do not need to pay. Therefore, the total amount of five insurances that an individual needs to pay each month is 8% plus 2% plus 0.2% of his salary, plus the fixed 3 yuan in medical insurance. For a salary of 3,000 yuan, the calculation formula is 3,000 times (8% plus 2% plus 0.2%) plus 3 yuan, that is, 3,000 times 10.2% plus 3 yuan, and the result is 3,000 times 0. 102 plus 3=306 plus 3=309 yuan. So the salary of 3000 yuan MINUS five insurances is 309 yuan.

Calculation method of five risks:

1, endowment insurance: calculated according to local regulations, it is generally 8%-20%;

2. Medical insurance: it usually includes basic medical insurance and supplementary medical insurance, and the proportion varies from region to region;

3. Unemployment insurance: the proportion is low, generally between 0.5% and 2%;

4. Work-related injury insurance: it is borne by the enterprise, and individuals do not need to pay it;

5. Maternity insurance: it is also borne by enterprises, and individuals do not need to pay. The overall five insurance costs are shared by individuals and enterprises, and the specific proportion and amount depend on local policies and individual wages.

To sum up, for an individual with a monthly salary of 3,000 yuan, according to the standards of 8% for old-age insurance, 2% for medical insurance plus 3 yuan and 0.2% for unemployment insurance, the total deduction for the individual part of the five insurances is 309 yuan, that is, 10.2% of the salary plus the 3 yuan quota of medical insurance, accounting for about 10.3% of the total salary.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

People's Republic of China (PRC) social insurance law

second

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

People's Republic of China (PRC) social insurance law

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

People's Republic of China (PRC) social insurance law

Article 60

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.