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Calculation formula of five insurances and one gold
The calculation formula of five insurances and one gold is as follows:

Endowment insurance: 20% of the unit (all included in the overall fund) and 8% of the individual (all included in the personal account).

Medical insurance: unit 10%, individual 2%+3 yuan.

Unemployment insurance: unit 1%, individual 0.2%;

Work injury insurance: the unit pays 0.5% for you every month, and the individual does not pay;

Maternity insurance: the unit pays 0.8% for you every month, and the individual does not pay;

Provident fund: according to the actual situation of the enterprise, choose the proportion of housing provident fund payment. But in principle, the maximum shall not exceed 10% of the average wage of employees. Starting from the second half of 20 10, all employers are required to pay the housing accumulation fund at 12% of their wages. Units and individuals are 65438+ 02% of salary.

The payment amount of five insurances and one gold varies from region to region, and the base is the total wages.

Extended data:

Matters needing attention in paying five insurances and one gold

1. If you have paid old-age insurance in many places, but no place has been more than ten years, you should go back to your household registration. This also means that if you pay 5,000 yuan as the base for 9 years in big cities such as Beijing, Guangzhou and Shenzhen, 1 1 month, the last old-age insurance is to return to the place where the average salary was only 2,000 in the previous year.

2. If the accumulated endowment insurance deposit is less than 15 years, the lifelong endowment insurance cannot be obtained, and the individual contribution will be partially refunded.

3. Medical insurance must be paid for 25 years before you can enjoy lifelong medical insurance after retirement. If you don't pay for 25 years, by the time you retire, only the 2% balance paid by those individuals will be in your account, and the 10% paid by the company will be turned over to the state. In addition, the medical insurance will be invalid if it is interrupted for more than 3 months, so you must contact the new company to make up the payment.

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