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档）"}}},"faqs":[{"question":"五险一金包括哪些，个人和单位分别交什么？","answer":"五险是养老、医疗、失业、工伤和生育保险，一金是住房公积金。普通企业职工个人通常缴纳养老、医疗、失业和公积金，工伤和生育保险由单位缴纳。医疗与生育合并实施的地区可能合并征缴，但不意味着取消生育待遇；本页合并时只计一次，需按单位实际申报比例确认。"},{"question":"为什么缴费基数不等于税前工资？","answer":"基数通常按职工本人上年度月平均工资等规则核定，并受当地上下限约束；新入职等情形另有规定。社保、公积金及不同险种可能采用不同的基数上下限。本页申报基数留空时仅以当前月薪测算，并不核定应申报基数。"},{"question":"税后到手工资怎么计算？","answer":"到手工资等于税前月薪减个人实际缴费再减本月预扣个税。单位缴费不从个人工资扣除。个税采用居民个人工资薪金普通累计预扣法，假设从1月在同一单位连续任职且每月工资、缴费和扣除不变，基本减除费用每月5000元。专项附加扣除只减少应税所得，不会再次从到手工资扣钱。"},{"question":"城市预设是最新官方缴费标准吗？","answer":"可选择北京、上海、广州、深圳等20个常用城市及其他城市自定义。北京已核实2026年7月起社保基数7270至36348元，以及市管普通在职职工公积金基数2540至36348元、公积金正常比例5%至12%；参考费率须向单位核对。重庆已核实2026年度企业职工社保基数4553至22765元，费率及公积金参数需填写。其余18个城市提供官方查询入口，完整标准尚未核实，基数上下限及费率留空，须按当地实际标准填写。查询入口不代表已核实参数，切换城市会清除上一城市的缴费标准。"},{"question":"个人缴费都可以抵扣个税吗？","answer":"个人实际缴纳的基本养老、基本医疗、失业保险和住房公积金，在税法规定范围和限额内作为专项扣除。单位部分不填为个人扣除。超限部分仍会扣减工资，但不一定能税前扣除，可在本页单独填写可税前扣除金额。专项附加扣除需填写本人符合条件且按规定分摊后的月金额，不包含大病医疗等年度项目。"},{"question":"公积金为什么有时与工资单相差几角？","answer":"各地缴存额舍入规则可能不同。本页支持比例缴费四舍五入至分或至元，固定附加费用另加；北京参考设置为公积金至元。实际工资单还可能包含补缴、调整和其他扣款，应以缴存中心及单位申报记录为准。"},{"question":"全年到手工资预测会考虑7月调基吗？","answer":"不会。全年预测将本次输入的工资、缴费基数、费率及扣除视为全年固定值，不还原调基前的历史工资单，不含年终奖、补缴、浮动薪酬、年中入职换单位或年度汇算。逐月税额用于理解累计预扣的变化，实际税额需核对单位工资单和个人所得税APP。"}],"privacy":"公开资料接口只接受 GET，不接收工资。网页计算在浏览器内完成；工资不写入网址、不上传，跨工具带入仅使用临时 sessionStorage。","disclaimer":"结果仅供估算，不代表社保、医保、公积金或税务机关核定。"}