Year-End Bonus & Take-Home Pack
Bonus tax critical points, income tax, take-home pay, pension tax relief and deposit compounding — make the most of your year-end money.
Year-end is decision-dense: separate vs combined bonus taxation, the 1-yuan critical point trap, unclaimed deductions, expiring pension tax-relief quota. This pack orders tools as "calculate first, decide second".
7 tools · follow the steps
Use in this order
- 1Annual Bonus Tax CalculatorChina year-end bonus IIT with critical point alerts
Step 1 · Bonus Tax
Separate taxation divides the bonus by 12 for the monthly rate; crossing ¥36k/¥144k thresholds by ¥1 can cost thousands — avoid the trap.
- 2Income Tax CalculatorSalary tax, take-home pay and annual bonus tax
Step 2 · Annual Income Tax
Seven-bracket progression plus deductions — know your refund/balance before the Mar-Jun reconciliation window.
- 3Take-Home Pay CalculatorSocial insurance, tax and net monthly salary
Step 3 · Take-Home Pay
Social insurance 15.5-22.5% is deducted before tax; cumulative withholding means lower early-year, higher year-end deductions.
- 4Private Pension Tax SavingsChina pension account tax deduction estimator
Step 4 · Pension Tax Relief
The ¥12k/year allowance expires in-year: save ¥1,200 at the 10% bracket, ¥5,400 at 45%. Decide before December 31.
- 5Pension EstimatorBasic + personal account, replacement rate
Step 5 · Pension Projection
Basic + individual-account pension and replacement-rate estimate — turn part of the bonus into lifelong reserves.
- 6Fixed Deposit CalculatorLump-sum and monthly deposit interest with listed rates
Step 6 · Time Deposit
Quick interest across term tiers; compare negotiable CDs with regular deposits.
- 7Compound Interest CalculatorFuture value, recurring deposits, year-by-year growth
Step 7 · Compound Plan
Lump-sum year-end bonus future value with a year-by-year growth curve.
Related Guides
China Individual Income Tax: 7-Bracket Table & Annual Bonus
Comprehensive income: 5,000/month threshold + social insurance + special deductions, then 3%-45% seven brackets with quick deduction. ¥20k/month gross, standard setup → ~¥9.5k/year tax. Annual bonus can be taxed separately (often better). Full table and optimization inside.
Read guide →
Take-Home Pay: Social Insurance, Housing Fund & Income Tax
Gross ¥10,000/month takes home roughly ¥7,500–8,000 after social insurance (~10.5%), housing fund (5–12%) and income tax. Includes the full deduction formula, 2025 social insurance base caps, special additional deductions and year-end bonus tax strategy.
Read guide →
Savings Goal: How Much Per Month to Reach Your Target
Monthly saving = goal ÷ [((1+r)ⁿ − 1) ÷ r]. ¥500k in 5 years at 3% → ¥7,734/mo. Covers the FV-of-annuity formula, goal tables by timeline, where to park goal money, and how to adjust when returns disappoint.
Read guide →
FAQ
Separate or combined taxation for the annual bonus?
Separate: bonus ÷12 for the monthly rate. Combined: merges with annual wages for progression. Rule of thumb: if deductions are used up and marginal rate ≥10%, separate wins; otherwise combined may. Always compute both.
What is the bonus tax critical point?
Tax jumps on the full amount, so ¥36,001 nets less than ¥36,000. Near thresholds like ¥36k/¥144k/¥300k, one extra yuan can cost thousands — avoid them or split the bonus.
Is the personal pension account worth opening?
With a ¥12k/year allowance, tax relief starts paying at the 10% bracket (¥1,200/yr) up to ¥5,400 at 45%. Funds lock until retirement, taxed at 3% on withdrawal. Compute your present-value saving first.