Mainland China financial calculators,
with editable local and contract inputs.
Nine free tools for common financial tasks. Nationwide rules use official sources, city rates have dated reference values, and bank or investment assumptions remain editable.
Mainland China tools
China Individual Income Tax & Annual Bonus Calculator 2026
Estimate annual comprehensive-income tax for a mainland China resident and compare separate versus combined taxation of a qualifying annual bonus.
China Mortgage & Early Repayment Calculator
Compare monthly payments and total interest for mainland China commercial, housing provident-fund or combined mortgages, including a one-off prepayment scenario.
China Home Deed Tax Calculator 2026
Estimate mainland China deed tax for a first or second family home under the nationwide concession from 1 December 2024, with a local-rate option for other homes.
China Vehicle Purchase Tax Calculator 2026
Enter a VAT-inclusive vehicle price to calculate standard purchase tax and the capped 2026 reduction for an eligible new-energy passenger vehicle.
China Personal Loan Repayment Calculator
Estimate fixed-rate personal-loan monthly payments, total interest and the effect of optional monthly overpayments using a rate entered by the user.
China Deposit Interest Calculator
Estimate maturity value for a renminbi term deposit using the bank rate you enter, including optional automatic renewals of principal and interest.
China Compound Interest & Regular Investment Calculator
Model an initial amount and monthly contributions using editable return and inflation assumptions.
China Social Insurance & Housing Fund Calculator
Start with Shanghai reference rates, then estimate monthly employee and employer social-insurance and housing-fund contributions using editable local bases and rates.
China Pension Calculator
Estimate a monthly mainland China enterprise employee basic pension from the local calculation base, contribution index, service years, account balance and retirement age.
Common tasks together
Tax, housing, vehicles, borrowing, saving, social insurance and pensions sit in one clear toolkit.
Editable local inputs
Social insurance starts with a Shanghai reference and city, loan or deposit inputs can be replaced with your figures.
Checkable rules
National rates, effective dates, formulas and official sources are published. Read the full methodology