Ant Social Security Beijing Housing Provident Fund Calculator

Problem

Beijing housing provident fund calculations often require checking contribution-base limits, multiple rates, and employer/employee splits. Manual tables can miss tiers or misallocate amounts. Ant Social Security Beijing Housing Provident Fund Calculator targets this workflow: given a monthly base, it calculates details against the July 2025 — June 2026 limits of 2,420 CNY / 35,283 CNY and six rates.

How It Works

• Parse the base: supports comma-formatted values like 12,000; asks for a missing base.
• Choose parameters: defaults to all-rate comparison, or a single rate; clamps to limits by default and can disable clamping with --no-clamp.
• Calculate and render: runs scripts/generate.py in a managed Python virtual environment, requires matplotlib, and prints employee, employer, monthly total, and annual total.
• Deliver results: returns a concise text summary and displays a 1200×2000 portrait Chinese PNG with the Ant Social Security logo at the bottom.

Boundaries

• Covers Beijing housing provident fund only, not the five social-insurance items; use the social-security calculator for those.
• The current version assumes employer and employee use the same contribution ratio; it does not directly support differing ratios.
• Results are for reference only. The final amount is subject to the Beijing Housing Provident Fund Management Center, and annual limits should be rechecked each June or July.