中国社保与薪税计算器 (China Shebao & Payroll Tax MCP)

io.github.ddterPublished by GitHub account ddterv1.0.1Updated Nov 7, 2026

中国 31 省市社保政策、392 城五险一金基数与费率、税后工资、个税汇算、年终奖与养老金测算引擎。

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Remote MCP server for Chinese social-insurance policy lookup and payroll tax, take-home pay, bonus and pension calculations.

What you can do
  • Look up 2026 social-insurance contribution base policies for 31 provinces and cities, with official document references
  • Retrieve five-insurance and housing fund base limits and contribution rates for 392 cities
  • Calculate take-home pay and employer cost from a pre-tax salary, with itemized deductions and cumulative withholding
  • Compute individual income tax for salary, labor remuneration and annual settlement
  • Compare separate versus combined taxation of an annual bonus and flag rate-bracket pitfalls
  • Estimate monthly basic pension from contribution base, years, account balance and retirement age
When to use it
Useful for HR, payroll and personal-finance questions about Chinese salaries: checking a city's 2026 contribution bases, estimating net pay and employer cost, planning annual bonus taxation, or projecting a pension.
Requirements
A remote Streamable HTTP endpoint; no installation or authentication is declared. Clients that only support local stdio processes can use an npx bridge command. Network access to the provider's site is required.
Before you install
Results are stated to be for reference only; actual withholding and benefits are determined by local social-insurance, housing-fund and tax authorities. Housing-fund rates for unverified cities default to a recommended 5%. The server asks that results be shown with official source links.

Installation

In SourceWeft

  1. Open 中国社保与薪税计算器 (China Shebao & Payroll Tax MCP) in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.ddter%2Fchina-shebao/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "china-shebao-payroll-tax": {
      "type": "http",
      "url": "https://www.shebao.org/mcp"
    }
  }
}

README

中国社保与薪税计算器 MCP Server (China Shebao & Payroll Tax MCP)

[MCP Registry] [License: MIT] [Website] [OpenAPI 3.1]

社保薪税通 (shebao.org) 是中国领先的纯前端无状态薪税、五险一金与社保政策计算平台，提供全国 31 个省市自治区官方政策、392 个地级及以上城市五险一金标准与个人所得税智能测算引擎。

本仓库是社保薪税通的官方 Model Context Protocol (MCP) 开源集成：

  1. 远程 Streamable HTTP 服务端点（推荐，零安装免鉴权）：https://www.shebao.org/mcp
  2. 轻量本地 stdio 桥接工具：npx -y github:ddter/china-shebao-mcp，为仅支持本地进程的客户端提供极速转发。

快速接入 (Quick Start)

方案一：远程 Streamable HTTP（推荐，免安装）

直接将支持 Streamable HTTP (协议版本 2025-06-18 / 2025-03-26 / 2026-07-28) 的客户端指向端点：

text
https://www.shebao.org/mcp
1. Claude Code
bash
claude mcp add --transport http china-shebao https://www.shebao.org/mcp
2. Cursor / VS Code / Windsurf (.cursor/mcp.json 或 mcp.json)
json
{  "mcpServers": {    "china-shebao": {      "url": "https://www.shebao.org/mcp"    }  }}
3. OpenAI Codex CLI (~/.codex/config.toml)
toml
[mcp_servers.china-shebao]url = "https://www.shebao.org/mcp"
4. ChatGPT Custom GPT Actions

在 GPT 编辑器中点击 Configure → Create new action，在 Import from URL 填入：

text
https://www.shebao.org/openapi.json

即可一键导入全量薪税社保测算接口。

方案二：本地 stdio 桥接脚手架

针对部分只支持 stdio 标准输入输出的客户端（例如 Claude Desktop），在 claude_desktop_config.json 中配置：

json
{  "mcpServers": {    "china-shebao": {      "command": "npx",      "args": ["-y", "github:ddter/china-shebao-mcp"]    }  }}

提供的 6 大核心测算工具 (Tools)

工具名称功能说明核心输入参数
query_social_security_policy查询 31 省市 2026 官方社保基数上限、下限、社平工资及发文依据province（省份名）
get_city_social_fund_limits查询全国 392 城五险一金基数上下限、默认缴存比例及官方核验状态city（城市名或拼音 slug）
calculate_salary_take_home测算月薪/年薪税后到手工资、五险一金明细、累计预扣个税及 12 个月现金流分布city, salary, fundRate, specialDeduction
calculate_income_tax工资薪金累计预扣、劳务报酬按次预扣、年度综合所得汇算清缴type, amount, month, annualLabor
compare_annual_bonus_tax对比年终奖单独计税与合并计税两种方案的个税差异与到手金额，提供最优筹划建议annualSalary, bonus
calculate_retirement_pension企业职工基本养老保险退休金测算（月基础养老金 + 个人账户养老金）pensionBase, years, accountBalance, retireAge

示例对话场景 (Example Prompts)

  • 场景 1（查政策）：“帮我查一下 2026 年北京最新的社保缴费基数上下限和官方发文依据。”
  • 场景 2（算到手）：“我在上海月薪 15,000 元，公积金缴 7%，每月专项附加扣除 1,500 元，税后能拿到手多少？五险一金公司和个人各交多少？”
  • 场景 3（年终奖筹划）：“全年工资 18 万，年底发 5 万元年终奖，应该单独计税还是并入综合所得更划算？能帮我算出税额差异吗？”
  • 场景 4（养老金退休试算）：“计发基数 8,000 元，累计工龄 25 年，个人账户累计 12 万元，60 岁退休每月能领多少养老金？”

数据准确性与合规说明

  1. 官方核验覆盖：全国 392 个城市的社保缴费基数上下限均已与各省人社厅、医保局 2026 年度最新政策文件逐条核验，数据来源清晰可溯源至政府门户网站（*.gov.cn）。
  2. 公积金核验透明度：重点城市公积金基数与默认缴存比例已核验官方通知，未核验城市统一采用推荐比例（5%）明确试算边界。
  3. 隐私安全：全站无状态计算，不存储、不上传任何个人姓名、证件号码或薪酬明细。
  4. 免责声明：测算结果仅供薪酬筹划与参考，实际扣缴与待遇发放以当地社保局、公积金中心及税务机关核定为准。

开源协议

本项目遵循 MIT License 开源协议。 官方网站：https://www.shebao.org/

Source: README.md at commit 02c2d1d

Tools

6

query_social_security_policy

查询省份社保政策与基数上下限

查询中国 31 省市 2026 年度社保缴费基数官方政策，包含各地上年度全口径城镇单位就业人员月平均工资、社保缴费基数下限（60%）、社保缴费基数上限（300%）、生效执行时间、官方发布文号及政策要点。

Parametersprovincerequired

get_city_social_fund_limits

获取城市五险一金上下限与费率

获取指定城市的 2026 年五险一金（社保与住房公积金）基数上下限、各险种缴费比例（个人与公司）及官方核验口径。覆盖全国 392 个城市。

Parameterscityrequired

calculate_salary_take_home

测算税后工资与企业用工成本

测算指定城市薪资的税后工资与企业用工成本。根据员工税前月薪，自动匹配所在城市 2026 年社保与公积金上下限并进行截断，逐项计算个人与企业五险一金扣除、专项附加扣除、累计预扣个税及实发到手工资，同时生成企业每月综合用工成本。

ParameterscityrequiredmonthsalaryrequiredfundBasefundRatesocialBasespecialDeductions

calculate_income_tax

计算个人所得税

精准计算中国个人所得税（2026 年现行税法及 7 级超额累进税率表），支持工资薪金月度累计预扣、劳务报酬所得预扣率、以及年度综合所得汇算清缴补退税测算。

ParametersmoderequiredmonthamountrequiredprepaidTaxsocialFundannualLaborannualRoyaltyotherDeductionannualAuthorshipannualSocialFundspecialDeductionannualOtherDeduction+1 more

compare_annual_bonus_tax

年终奖个税优化与对比

年终奖个税优化与对比测算：对比「全年一次性奖金单独计税」与「并入当年综合所得计税」两种法定计税方式的纳税总额差额，明确给出哪种方式更划算、可省税多少元，并提示是否掉入年终奖税率跳档「盲区临界点」。

ParametersbonusrequiredannualSalaryrequiredannualSocialFundannualSpecialDeduction

calculate_retirement_pension

职工基本养老金月额试算

测算企业职工基本养老金月领金额（全国统一职工养老金计发办法）：包含基础养老金和个人账户养老金两大部分，支持输入退休省市自动检索已收录的养老金计发基数，或直接输入养老金计发基数、平均缴费指数、缴费年限、个人账户累计储存额及退休年龄进行精确试算。

ParameterscityprovinceretireAgepensionBaseaverageIndexpaymentMonthsaccountBalancerequiredcontributionYearsrequired

Version history

1
  1. v1.0.1LatestNov 7, 2026

Score

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