In 2025, the upper limit of the social security contribution base in Ningbo, Zhejiang is 24,930 yuan/month. 20,100 yuan is below this upper limit but far exceeds the lower limit of 4,812 yuan/month, indicating that it belongs to a relatively high - level contribution base within the normal range in Ningbo. Here's a detailed breakdown:
- For employed individuals: If an employee's monthly wage income reaches 20,100 yuan, and since it is within the range of 60% - 300% of the local average wage, it will be used as the actual contribution base for social security. This means that both the employee and the employer will calculate their respective social security contributions based on this amount. For example, for the basic pension insurance, with an employer contribution rate of 15% and an employee contribution rate of 8%, the employer will contribute 20,100×15% = 3,015 yuan per month, and the employee will contribute 20,100×8% = 1,608 yuan per month.
- For flexible - employed individuals: Those who choose a contribution base of 20,100 yuan are also making relatively high - level contributions. They are usually aiming for higher future pension benefits or better social security treatment. When paying social security, they need to bear all the costs by themselves. For instance, for basic pension insurance, they will pay 20,100×(15% + 8%) = 4,623 yuan per month (assuming the same total contribution rate as the combined employer - employee rate for pension insurance).
It should be noted that the social security contribution base in Ningbo may be adjusted according to local economic development and policy changes. It is recommended to pay attention to the official announcements of the Ningbo Human Resources and Social Security Bureau for the latest and most accurate information.