My Salary Calculator Review: City-Aware Take-Home Pay Estimates

One-Line Verdict

My Salary is a fast, transparent salary estimator for Chinese payroll: it applies city-specific social insurance and housing fund rates, lets you override contribution bases, and shows both employee take-home and employer cost. It is worth using for offer comparisons and budget planning, but not for exact tax filing because special additional deductions are not included.

What My Salary Actually Does

My Salary is a browser-based calculator that converts a pre-tax monthly salary into an estimated net amount. The page opens on Beijing by default, and you can switch to other supported cities including Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Xi’an, Wuhan, Zhengzhou, Nanjing, Suzhou and Tianjin. Each city ships with pre-set social insurance and housing fund ratios based on local standards.

What separates it from a single-number calculator is the breakdown. Instead of showing only a take-home figure, it lists pension, medical, unemployment, work injury and maternity insurance, the housing fund, and the large-amount mutual medical fund, split into employer and employee portions. You can also customize the social insurance contribution base, the housing fund ratio and the housing fund base to model different contribution tiers.

The results area includes first-month take-home pay, total employer cost, and a twelve-month month-by-month schedule with a yearly total. A personal income tax withholding rate table is included on the page so you can see how the tax figure is derived. You can find the tool listed under My Salary on Uslik and alongside other workplace utilities in the Office Productivity category.

Pros and Cons

Editor’s view: the custom base and ratio fields are the real differentiator. Most free calculators lock you into a single default ratio, which makes them useless if your employer declares a lower base or a different housing fund percentage. My Salary lets you reproduce that situation in under a minute, which is exactly what you need when comparing two offers with different contribution arrangements.

How the Calculation Flow Works

The workflow is short enough to describe in a few steps, which is part of its appeal for quick checks:

1. Open the page and confirm the city. The default is Beijing; switch if your job is elsewhere.
2. Enter your pre-tax monthly salary.
3. Adjust the social insurance base and housing fund base if your employer declares a figure different from your salary.
4. Adjust the housing fund ratio if your employer uses a non-default percentage.
5. Read the results: employee take-home, employer cost, itemized contributions, and the twelve-month schedule.

Expected result at each stage is immediate feedback in the results panel. The main error to watch for is entering a base outside the local upper or lower limit; the tool will still compute, but the number will not match real payroll. Check your city’s base limits first, then enter the figure your employer actually declares.

Pricing and Access

The available material describes My Salary as a web page calculator with no mention of paid tiers, accounts or subscription fees. In practice that means it should be treated as a free, no-signup tool, but the exact terms are not stated in the source material and should be confirmed on the official site. There is no published free-quota structure because there is no apparent metering; the constraint is scope, not usage. For a payroll estimator, that is the right model: you use it a few times around an offer or a raise, not daily.

Where It Falls Short

The biggest gap is special additional deductions. If you have a mortgage, pay rent, support elderly parents or have children in education, your actual withholding will usually be lower than the page’s result. The tool is therefore better at answering “what is the shape of my payslip” than “what will I owe this year.”

The second gap is city coverage. The listed cities cover most major employment hubs, but if you work elsewhere, you will need to confirm whether your city is supported or whether you must manually approximate the ratios. The third is record-keeping: the material does not describe saved scenarios or exports, so if you want to compare three offers, you will need to note the numbers yourself.

Use it as a sanity check on an offer letter, not as the final word on your tax liability.

Alternatives and How It Compares

Generic salary calculators usually ask for a single take-home target or apply one national ratio, which produces numbers that drift from real payroll in cities with distinct housing fund rules. Spreadsheet templates give you full control but require you to maintain the rate tables yourself each year. Payroll software is accurate but built for HR teams, not individuals.

My Salary sits in the middle: more city-aware than a generic calculator, lighter than a spreadsheet, and readable by someone who is not a payroll specialist. If you mainly need a directory of similar workplace tools, browse the Tool Reviews section for comparable write-ups.

Who Should Use It and Who Should Not

Good fit: job seekers comparing offers in different cities, employees checking whether a payslip looks plausible, and anyone estimating employer cost before a salary negotiation. The employer-cost line is especially useful for small business owners pricing a hire.

Poor fit: anyone who needs a filing-grade tax number, people with multiple income sources, freelancers with irregular income, and users in cities not on the supported list. Those users should treat the output as a rough range only.

Editor’s Rating

7.5/10. It earns points for city-specific ratios, editable bases and a clear employer-versus-employee split. It loses points for missing special additional deductions and for not stating pricing or data-handling terms in the available material. For a free planning tool used around a job change, that is a reasonable trade.

FAQ

Is My Salary accurate enough to check a payslip?

It is accurate enough to spot an obvious discrepancy, not to settle a dispute. The calculation uses city ratios and your entered base, but it omits special additional deductions, so the tax line will often be higher than your real withholding. Compare the itemized contribution lines rather than the final net figure.

Does My Salary include special additional deductions?

No. Mortgage interest, rent, elderly care and children’s education deductions are not part of the calculation, according to the available material. If you claim any of these, your actual tax will usually be lower than the page shows, so treat the result as a conservative estimate rather than a filing reference.

Can I change the social insurance and housing fund base?

Yes, both are editable. You can set a custom social insurance contribution base, a custom housing fund base and a housing fund ratio, which lets you model an employer that declares a lower base than your actual salary. Confirm your city’s upper and lower base limits before entering figures.

Which cities are supported?

The listed coverage includes Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Xi’an, Wuhan, Zhengzhou, Nanjing, Suzhou and Tianjin. If your city is not on that list, you would need to confirm whether it has been added or approximate the ratios manually, since the material does not promise broader coverage.

Is My Salary free to use?

The available material describes no paid tiers, accounts or subscription fees, which suggests a free web calculator. Because pricing terms are not explicitly stated, confirm on the official site before relying on it for repeated or commercial use. There is no published usage quota to plan around.