How much salary is deducted for five insurances and one gold a month?

Five insurances and one gold are about 1500 a month, including the contributions of individuals and units. The specific analysis is as follows:

Provident fund payment: the monthly contribution of housing provident fund = the average monthly salary of employees * the contribution ratio (Note: the individual contribution ratio and the unit contribution ratio are multiplied by the average monthly salary respectively, and the product of the two is added. The monthly contribution of housing provident fund varies with the total wages. Calculation formula of five insurances and one gold: payment base of five insurances and one gold * payment ratio of five insurances and one gold.

Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly salary and salary tax amount of the previous year declared by employees from June 1 day to February 1 day. The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

The benefits of paying five insurances and one gold include:

1. Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.

2. Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state, if the accumulated payment reaches the fixed number of years stipulated by the state when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

3. Employees who are injured by accidents or suffer from occupational diseases due to work-related reasons shall enjoy work-related injury insurance benefits after being identified as work-related injuries; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment.

4. If the unemployed meet the requirements, they will receive unemployment insurance money from the unemployment insurance fund.

5, the employer has paid maternity insurance, workers enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.

6. Paying the housing accumulation fund is equivalent to the unit paying a tax-free income in the same proportion, which can be used for housing-related purposes. If it is not used up at work, it can also be taken out at one time after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

To sum up, there is no unified answer to how much social security fees are deducted from personal wages every month. If your monthly salary is 2000 yuan, it is impossible to deduct 1500 from social security. Therefore, employees need to know the local social security contribution coefficient first, and then multiply the social security contribution base by their salary income, which is the deducted social security premium.

Legal basis:

Article 2 of the Social Insurance Law

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.