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The "three insurances and one fund" (basic pension insurance premiums, basic medical insurance premiums, unemployment insurance premiums and housing provident funds) according to national regulations, the "three insurances and one fund" are jointly paid by the employer and the individual Payment, regular payment, and deposit into an insurance account or provident fund account opened in an individual's capacity will be managed uniformly by relevant social functional departments. The calculation and payment methods of "three insurances and one fund" are as follows:

1. Pension insurance: individuals pay 4% of the salary base, and enterprises pay 10% of the salary base. Individuals pay up to the legal normal retirement age.

2. Medical insurance: individuals pay 2% of the salary base for basic medical insurance, 9.8% of the salary base is paid by the unit, and 0.8% goes into the personal account; individuals pay 3 yuan per month for mutual aid funds for large medical expenses , the unit pays 1% of the salary base. When an individual becomes ill, the basic medical insurance pooling fund and personal account will share the expenses. Medical expenses that exceed the minimum payment standard of the basic medical insurance pooling fund shall be borne by the individual in proportion. Any shortfall in personal account shall be paid by myself.

3. Unemployment insurance: Individuals pay x0.5% of the wage base, and units pay 1.5% of the wage base. If you participate in unemployment insurance in accordance with regulations, and your employer and you have fulfilled the payment obligations for one year as required; if your employment is interrupted not due to your own will; if you have registered for unemployment and have job requirements, you can receive unemployment insurance.

4. Housing Provident Fund: Individuals pay x8% of the salary base, and units pay 8% of the salary base. Individuals purchase, build, renovate or overhaul their own houses; retire or retire, completely lose the ability to work, and terminate the labor relationship with the unit; move out of the city or county where the registered permanent residence is located or settle abroad; repay the principal and interest of the purchase and loan; If the rent exceeds the prescribed proportion of family wage income, the housing provident fund can be withdrawn.

In addition, on July 6 this year, the Ministry of Finance announced a joint notice issued by the Ministry of Finance and the State Administration of Taxation at the end of June. The notice clarifies: The housing provident fund actually paid by units and individuals is allowed to be deducted from the individual's taxable income within a range that does not exceed 12% of the employee's average monthly salary in the previous year. If it exceeds 12%, the excess will be incorporated into the individual's current wages and salaries and personal income tax will be calculated.

So, you need to understand the proportion of the three insurances and one fund provided by the unit, so that you can know how much you have to pay.