How to calculate the personal part of social security and medical insurance

In addition to the company's payment of social security, individuals also need to pay a part, and the part paid by individuals will be less than that of the company. Individuals have to pay a sum of money every month. At this time, many people want to know the specific time of personal social security payment to ensure that it can be calculated clearly. How to calculate individual social security contributions? I give the following comments.

How to calculate the social security individual contribution?

Individual contribution of social insurance = monthly salary × individual contribution ratio.

For example, your salary is 3,000 yuan, and the personal contribution rate of endowment insurance is 8%, so the personal contribution rate of endowment insurance is: 240 yuan. By analogy, if the individual contribution rate of medical insurance is 2%, then the individual contribution rate is 60 yuan.

Proportion of social security individual and unit contributions

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, old-age insurance, medical insurance and unemployment insurance are premiums paid jointly by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

The proportion of medical insurance payment: 8% for the unit and 2% for the individual.

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Work-related injury insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

Maternity insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself;

Payment ratio of provident fund: 5%- 12%, within which the employer can decide and adjust, generally 8%. Individuals and employers make equal contributions 1: 1.

What are the five insurances and one gold for civil servants?

Generally speaking, the social insurance of civil servants is stipulated by the national civil service law and social security law. Endowment insurance, civil servants are not insured at present, and the pension system is implemented.

Of course, in some places, civil servants have been included in the scope of social security and provident fund payment, which means that the five insurances and one gold paid by civil servants are essentially similar to those paid by employees. "Five insurances" (also called social security) include old-age insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. "One gold" refers to the housing surplus, that is, the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. In addition to fixed salary and vacation, civil servants have to deduct medical insurance and housing provident fund, and maternity insurance is also included in medical insurance. The rest depends on your unit and working status.

It should be reminded that not every city's civil servant insurance policy is the same. In different cities, there are different standards for the proportion of civil servants paying five insurances and one gold and the payment base of five insurances and one gold.

How to calculate the individual contribution of social security? If you don't know how to calculate the individual social security contributions, you can know clearly the unit contribution ratio and salary base in advance to determine your own social security payment method.