{"{0} / {1}":"{0} / {1}","{0}: employee rate":"{0}：员工费率","{0}: employer rate":"{0}：雇主费率","12-month average take-home after IIT":"扣除个人所得税后的12个月平均到手收入","2026 annual tax: {0}; withheld: {1}; tax less withheld: {2}":"2026年度税额：{0}；已预扣：{1}；应补（退）税额：{2}","2026 monthly withholding schedule":"2026年月度预扣税计划","2026 total annual tax — separate: {0}; merged: {1}; difference: {2}":"2026年度总税额——单独计税：{0}；合并计税：{1}；差额：{2}","An estimate for planning, not tax advice; use the State Taxation Administration’s Individual Income Tax app (个人所得税) for the official calculation.":"本结果仅供规划参考，不构成税务建议；正式计算请使用国家税务总局的个人所得税App（个人所得税）。","Annual bonus":"全年一次性奖金","Annual comprehensive income (综合所得) reconciliation":"年度综合所得汇算清缴","Annual eligible employee contributions":"全年符合条件的员工缴费","Annual salary, excluding this bonus":"全年工资，不含本奖金","Annual special additional deductions, excluding medical and vocational qualification":"全年专项附加扣除，不含大病医疗和职业资格","Annual special additional deductions, excluding serious illness":"全年专项附加扣除，不含大病医疗","Annual tax liability":"年度应纳税额","Annual tax withheld":"年度已预扣税额","Annual wages and salaries":"全年工资薪金","Applied base":"采用的缴费基数","Average monthly take-home":"月平均到手收入","Beijing 2025 contribution year (2025年度) — September–December snapshot":"北京2025缴费年度（2025年度）——9月至12月快照","Bonus tax cliffs (多发一元多交税)":"奖金税率临界区间（多发一元多交税）","Both methods give the same tax":"两种方法的税额相同","Calculate my contributions from bases and rates":"根据基数和费率计算我的缴费","Calculation view":"计算视图","Children’s education (子女教育)":"子女教育","China annual bonus tax — 2026":"中国全年一次性奖金税——2026","China income tax — 2026":"中国个人所得税——2026","China social insurance and housing fund — 2026 planning":"中国社会保险和住房公积金——2026规划","Choose a listed education and housing allowance, and keep elderly support within the monthly limit.":"选择列出的教育和住房扣除额，并将赡养老人扣除额控制在月度限额内。","Clamp the housing fund base to entered limits":"将公积金基数限制在输入的上下限内","Clamp the insurance base to entered limits":"将社保基数限制在输入的上下限内","CNY 400 per month":"每月400元","Compare employee deductions, employer contributions and take-home pay using 2026 individual income tax. Enter your payroll rates or start from the explicitly dated historical preset.":"使用2026年个人所得税比较员工扣除、雇主缴费和到手收入。请输入工资缴费费率，或从标明日期的历史预设开始。","Compare separate taxation (单独计税) with merging a qualifying annual bonus into 2026 comprehensive income. The separate method is available once per tax year for an eligible resident’s annual bonus, through 31 December 2027.":"比较单独计税与将符合条件的全年一次性奖金并入2026年综合所得的结果。符合条件的居民个人全年一次性奖金，每个纳税年度可采用单独计税一次，有效期至2027年12月31日。","Continuing degree education (继续教育)":"继续教育","Contribution rates — percentages":"缴费费率——百分比","Contribution settings":"缴费设置","Copy annual result":"复制年度结果","Copy comparison":"复制比较结果","Copy contribution result":"复制缴费结果","Copy schedule":"复制计划","Cumulative deductions":"累计扣除","Cumulative income":"累计收入","Cumulative taxable income":"累计应纳税所得额","Current deduction amounts and eligibility":"当前扣除额和适用条件","Custom — typical starting rates, not a city preset":"自定义——典型起始费率，不是城市预设","Degree education: up to 48 months for the same qualification. Eligible vocational qualifications: CNY 3,600 in the certificate year, entered in the annual view. Loan interest: up to 240 months. Rent and loan interest cannot both be claimed by a couple in the same year; rent city bands use the registered population of municipal districts.":"学历继续教育：同一学历最长48个月。符合条件的职业资格：取得证书当年扣除3,600元，请在年度视图中输入。住房贷款利息：最长240个月。同一年度内，夫妻双方不能同时申报住房租金和住房贷款利息；租金城市档次按市辖区户籍人口确定。","Derived cliff ranges, with tax rounded to cents":"推导出的临界区间，税额四舍五入到分","Elderly support (赡养老人) — your monthly share":"赡养老人——您的月度分摊额","Elderly support covers eligible parents aged 60 or above, or eligible grandparents whose children have died. An only child may claim CNY 3,000 per month; siblings share CNY 3,000, with at most CNY 1,500 each. The amount is not multiplied by the number of elderly relatives.":"赡养老人适用于年满60岁的符合条件的父母，或子女已去世的符合条件的祖父母、外祖父母。独生子女每月可扣除3,000元；兄弟姐妹分摊3,000元，每人最多1,500元。扣除额不会按老年亲属人数重复计算。","Eligible 50% loan share: CNY 500":"符合条件的50%住房贷款分摊额：500元","Eligible annual serious illness deduction":"符合条件的全年大病医疗扣除","Eligible first-home loan: CNY 1,000":"符合条件的首套住房贷款：1,000元","Eligible monthly contribution deduction":"符合条件的月度缴费扣除","Eligible serious illness deduction (大病医疗), annual total":"符合条件的大病医疗扣除（大病医疗），全年合计","Eligible vocational qualification obtained this year: add CNY 3,600":"今年取得符合条件的职业资格：增加3,600元","Employee":"员工","Employee (%)":"员工（%）","Employee contributions: {0}; employer contributions: {1}; month 1 take-home: {2}; average take-home: {3}; employer cost: {4}":"员工缴费：{0}；雇主缴费：{1}；第1个月到手收入：{2}；平均到手收入：{3}；雇主成本：{4}","Employee fixed medical add-on per month":"员工每月固定医疗附加费","Employee social insurance and housing fund per month":"员工每月社保和公积金","Employer":"雇主","Employer (%)":"雇主（%）","Employer fixed medical add-on per month":"雇主每月固定医疗附加费","Employer only":"仅雇主","Employer’s monthly total cost":"雇主每月总成本","Enter actual 2026 annual totals. Labour remuneration and royalties contribute 80% of gross receipts; author’s remuneration contributes 56% after the 20% expense deduction and further 30% reduction. Wages have no 20% expense deduction.":"请输入2026年实际全年合计。劳务报酬和特许权使用费按收入总额的80%计入；稿酬扣除20%费用后再减按30%，按收入总额的56%计入。工资薪金不扣除20%费用。","Enter between one and twelve months.":"请输入1至12个月。","Enter contributions eligible for tax deduction within the statutory limits. Special additional and other deductions reduce taxable income; they are not deducted again from take-home pay. The basic deduction is CNY 5,000 per month.":"请输入法定限额内可税前扣除的缴费。专项附加扣除和其他扣除会减少应纳税所得额，不会再次从到手收入中扣除。基本减除费用为每月5,000元。","Enter finite, non-negative amounts up to CNY 1 billion, with at most two decimal places.":"请输入不超过10亿元的有限非负金额，最多保留两位小数。","Enter only your eligible share. Child education and infant care each allow CNY 2,000 per child per month: one parent claims 100%, or each claims 50%. Do not claim both categories for the same child in the same month.":"只请输入您符合条件的分摊额。子女教育和3岁以下婴幼儿照护均为每名子女每月2,000元：一方按100%扣除，或双方各按50%扣除。同一子女同一月份不能同时申报这两类扣除。","Enter rates from 0% to 100%, with at most two decimal places.":"请输入0%至100%的费率，最多保留两位小数。","Estimated amount payable":"预计应缴金额","Estimated refund":"预计退税","First cent recovering the threshold’s net pay":"恢复临界点到手收入的首个分","For separate taxation, bonus ÷ 12 selects the rate and monthly quick deduction. Tax is bonus × rate − quick deduction. Crossing a bracket can reduce the net bonus. Each interval below compares net pay with the bonus exactly at the lower threshold.":"单独计税时，奖金÷12用于确定税率和速算扣除数。税额=奖金×税率−速算扣除数。跨越税率档次可能导致奖金税后收入减少。下面每个区间都将到手收入与恰好等于下限的奖金进行比较。","Gross author’s remuneration (稿酬)":"稿酬总额（稿酬）","Gross labour remuneration (劳务报酬)":"劳务报酬总额（劳务报酬）","Gross royalties (特许权使用费)":"特许权使用费总额（特许权使用费）","Historical preset: 1 September–31 December 2025. Insurance base CNY 7,162–35,811; housing fund base CNY 2,540–35,811. Maternity is included in employer medical. Work injury starts at the category I base rate of 0.2%; replace it with your employer’s assessed rate. Housing fund starts at 5%, with each side rounded to whole yuan.":"历史预设：2025年9月1日至12月31日。社保基数为7,162至35,811元；公积金基数为2,540至35,811元。生育保险包含在雇主医疗保险中。工伤保险从I类基准费率0.2%开始；请替换为雇主核定的费率。公积金从5%开始，双方缴费均四舍五入到元。","Housing fund (公积金)":"住房公积金","Housing fund ceiling":"公积金上限","Housing fund floor":"公积金下限","Housing fund rate (%) — same for both sides":"公积金费率（%）——双方相同","Housing loan interest or rent (住房贷款利息或住房租金)":"住房贷款利息或住房租金","IIT means individual income tax. The 12-month average uses cumulative withholding with unchanged salary, contribution amounts and deductions for all twelve months. A dated preset is an assumption for this projection; actual July base changes are not applied automatically.":"IIT指个人所得税。12个月平均值采用累计预扣法，假设12个月的工资、缴费额和扣除额均不变。标明日期的预设是本次预测的假设；7月实际基数变化不会自动应用。","Income after statutory expenses":"扣除法定费用后的收入","Infant care under age 3 (3岁以下婴幼儿照护)":"3岁以下婴幼儿照护","Insurance ceiling":"社保上限","Insurance floor":"社保下限","Item":"项目","Last bonus cent with lower net pay":"到手收入较低的最后一分奖金","Maternity, if separate (生育)":"生育保险（如单列）","Medical (医疗)":"医疗保险","Medical and fixed add-on":"医疗保险和固定附加费","Merged method saves":"合并计税更省税","Month":"月份","Month\tCumulative income\tCumulative deductions\tTaxable income\tRate\tQuick deduction\tMonthly tax\tTake-home":"月份\t累计收入\t累计扣除\t应纳税所得额\t税率\t速算扣除数\t月度税额\t到手收入","Month {0}":"第{0}个月","Month 1 IIT / monthly average IIT":"第1个月个人所得税 / 月平均个人所得税","Month 1 take-home after IIT":"扣除个人所得税后的第1个月到手收入","Monthly contribution amounts":"月度缴费金额","Monthly cumulative withholding":"月度累计预扣税额","Monthly housing fund base":"月度公积金基数","Monthly insurance contribution base":"月度社保缴费基数","Monthly pre-tax salary":"月度税前工资","Monthly special additional deductions (专项附加扣除)":"月度专项附加扣除","None":"无","Official preset sources":"官方预设来源","Only part of my employee contributions is tax-deductible":"我的员工缴费只有部分可税前扣除","Other eligible annual deductions":"其他符合条件的全年扣除","Other eligible monthly deductions":"其他符合条件的月度扣除","Pension":"养老保险","Pension (养老)":"养老保险（养老）","Quick deduction":"速算扣除数","Rate":"税率","Rent: CNY 1,100 — other cities above 1 million":"租金：1,100元——其他人口超过100万的城市","Rent: CNY 1,500 — designated major cities":"租金：1,500元——指定大城市","Rent: CNY 800 — other cities up to 1 million":"租金：800元——其他人口不超过100万的城市","Resident individual income tax for tax year 2026. Monthly planning assumes the same salary and deductions from January to December with one employer, using cumulative withholding (累计预扣法).":"2026纳税年度居民个人所得税。月度规划假设1月至12月由同一雇主发放相同工资并适用相同扣除，采用累计预扣法。","Round the housing fund base and each side’s contribution to whole yuan":"将公积金基数和双方缴费均四舍五入到元","Salary-only tax: {0}. Separately taxed bonus: {1}. Extra tax from merging the bonus: {2}.":"仅工资税额：{0}。单独计税奖金税额：{1}。合并奖金产生的额外税额：{2}。","Separate maternity":"单列生育保险","Separate method saves":"单独计税更省税","Serious illness is claimed only at annual reconciliation. For each eligible patient, deduct catalogue-covered out-of-pocket costs after reimbursement above CNY 15,000, capped at CNY 80,000. Add the eligible amounts for yourself, your spouse and minor children allocated to you. Enter the deduction, not the medical bill, and do not duplicate a family member’s claim.":"大病医疗只能在年度汇算清缴时申报。每位符合条件的患者，扣除医保目录范围内经报销后超过15,000元的个人负担费用，最高80,000元。将您本人、配偶和未成年子女中分配给您的符合条件金额相加。请输入扣除额，而不是医疗账单金额，不要与家庭成员重复申报。","Social insurance and housing fund (五险一金)":"社会保险和住房公积金（五险一金）","Take-home":"到手收入","Tax this month":"本月税额","Taxable comprehensive income":"应纳税综合所得","The CNY 60,000 annual basic deduction is included automatically. This is the tax balance before any filing or small-payment exemption; tax credits, donations with special limits and foreign income rules are not modelled.":"60,000元年度基本减除费用已自动计入。这是申请汇算或小额免税前的税款余额；本工具未模拟税收抵免、有特殊限额的捐赠和境外所得规则。","The contribution ceiling must be at least the floor.":"缴费上限必须不低于下限。","The first interval is often written as CNY 36,000–38,566.67. CNY 36,000 itself is outside the cliff; with cent rounding, CNY 38,566.67 has recovered the net pay at the threshold. The last loss is CNY 38,566.66. These intervals describe the separate method, not the merged method.":"第一个区间通常写作36,000至38,566.67元。36,000元本身不在临界区间内；按分四舍五入后，38,566.67元已恢复临界点的到手收入。最后一个到手收入损失点是38,566.66元。这些区间描述的是单独计税，不是合并计税。","The housing fund rate must be between 5% and 12% for each side.":"双方公积金费率都必须在5%至12%之间。","The monthly fields above are a guide. Enter the actual annual sum in the annual special additional deductions field, counting only eligible months and your allocated share.":"上面的月度字段仅供参考。请在全年专项附加扣除字段中输入实际年度合计，只计算符合条件的月份和分配给您的份额。","The tax estimate otherwise treats all employee contributions as eligible deductions. Adjust this if contributions exceed tax deduction limits or include a non-deductible add-on. Employer contributions do not reduce employee take-home pay.":"否则，税额估算会将所有员工缴费视为可扣除项目。如果缴费超过税前扣除限额，或包含不可扣除的附加费，请进行调整。雇主缴费不会减少员工到手收入。","Theoretical break-even, rounded for display":"理论盈亏平衡点，四舍五入后显示","This is not a current 2026 city schedule. The 12-month projection holds the selected contributions constant; it does not model July adjustments.":"这不是当前的2026年城市缴费计划。12个月预测会将所选缴费额保持不变，不模拟7月调整。","This is the standard CNY 5,000-per-month method. Special simplified withholding arrangements, mid-year job changes, tax credits and exempt income are outside this projection. Use actual annual totals if your circumstances change.":"这是标准的每月5,000元基本减除费用方法。特殊简易预扣安排、年中更换工作、税收抵免和免税收入不在本次预测范围内。如情况发生变化，请使用实际全年合计。","Threshold — excluded":"临界点——不包含","Total annual tax — merged method":"年度总税额——合并计税","Total annual tax — separate method":"年度总税额——单独计税","Total contributions":"缴费合计","Total tax already withheld from all four income types":"四类收入已预扣税额合计","Typical starting rates: pension 8% employee / 16% employer, medical 2% employee, unemployment 0.5% each. Employer medical, work injury and separate maternity start at zero: enter the rates that apply to you. These are editable assumptions, not a national or city schedule.":"典型起始费率：养老保险员工8%／雇主16%，医疗保险员工2%，失业保险双方各0.5%。雇主医疗、工伤和单列生育保险从0开始：请输入适用于您的费率。这些是可编辑的假设，不是全国或城市缴费计划。","Unemployment":"失业保险","Unemployment (失业)":"失业保险（失业）","Use the annual deduction totals from the income tax tool. The CNY 60,000 basic deduction is automatic. The comparison assumes salary and this bonus are your only comprehensive income and compares final annual liabilities, before tax credits or filing exemptions.":"使用个人所得税工具中的全年扣除合计。60,000元基本减除费用会自动计入。本比较假设工资和本奖金是您唯一的综合所得，并比较税收抵免或汇算免税前的最终年度应纳税额。","Use the assessed contribution base, which can differ from salary. This model uses one base for all insurance items and a separate housing fund base. If your city uses different bases for individual insurance items, calculate them separately and enter the employee total in the income tax tool.":"使用核定的缴费基数，该基数可能不同于工资。本模型对所有社保项目使用同一基数，并单独设置公积金基数。如果您所在城市对不同社保项目采用不同基数，请分别计算，并将员工缴费合计输入个人所得税工具。","Use these totals in annual reconciliation":"在年度汇算清缴中使用这些合计","Work injury":"工伤保险","Work injury (工伤)":"工伤保险（工伤）","Work injury insurance is paid by the employer only.":"工伤保险仅由雇主缴纳。","Your bonus is in a tax cliff: under separate taxation its net amount is less than a bonus of {0}. At cent precision, the loss continues through {1}.":"您的奖金处于税率临界区间：按单独计税时，税后金额低于{0}元奖金。精确到分计算时，损失会持续至{1}。"}