How much does social security pay a month?

How much does social security pay a month?

Personal monthly salary is 4000 yuan. How much is the monthly deduction for five insurances and one gold?

1, endowment insurance for urban workers, the individual contribution ratio is 8%, the unit pays 16%, and the individual deducts 4000× 8% every month = 320 yuan.

2、? For medical insurance for urban workers, the proportion of individual contributions is 2%, but the proportion of contributions is 6%-9%, which is different in different provinces and cities. Plus the cost of critical illness insurance, the individual will be deducted at least 4000 × 2% per month = 80 yuan.

3, urban workers unemployment insurance, units and individuals each pay 0.5%, that is, monthly deduction of 20 yuan.

4. The industrial injury insurance for urban workers is paid by the unit, and individuals do not need to pay it.

Finally, the personal salary is 4,000 yuan, and the personal monthly social security five-insurance deduction is 320 80 20=420 yuan. If the company buys housing provident fund for employees, the payment ratio is 5%- 12%, depending on the company's choice. If the contribution is 5%, the individual will pay 4,000× 5% per month = 200 yuan, and the company will pay 4,000× 5% = 200 yuan. 400 yuan entered the provident fund account for one month, and the balance of the provident fund account reached 4,800 yuan one year later and 654,400 yuan three years later. The interest rate of provident fund loans is 6-30 years, and the interest rate is generally around 3.25%. The loan amount is usually 15 times of the balance. If the balance is 20,000, you can borrow about 300,000. Personal monthly salary is 4,000 yuan. After deducting five insurances and one gold 620 yuan, I actually get 3,380 yuan.

On-the-job employees, especially the old-age insurance, only need to pay 8% for individuals and 16% for units, so the pressure of payment is relatively small. If they are flexible employees, the proportion of endowment insurance contributions will reach 20%, the base corresponding to the payment grade will increase every year, and the amount of contributions will increase year by year. For on-the-job employees, having five insurances and one gold is an important welfare, which is feasible and cherished.