The calculation of the provident fund is as follows: monthly payment amount of the unit = base payment

Monthly payment deposit amount + personal monthly payment deposit amount.

Legal Basis: Article 16 of the "Regulations on the Administration of Housing Provident Funds" The monthly payment and deposit amount of employees' housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund payment and deposit ratio.

The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.

Article 18 The contribution ratio of employees and units to the housing provident fund shall not be less than 5% of the employees' average monthly salary in the previous year; in cities with conditions, the contribution ratio may be appropriately increased.

The specific payment ratio shall be formulated by the Housing Provident Fund Management Committee, and shall be submitted to the people's government of the province, autonomous region, or municipality directly under the Central Government for approval after review by the people's government at the same level.

Warm reminder: The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.