191010.com

Product Overview

191010.com is an online tool site focused on cumulative withholding calculations for personal income tax (PIT). Centered on China's current PIT rules, it offers lightweight tax and finance calculation services for everyday users. The platform has also rolled out complementary calculators for mortgages, year-end bonuses, and more.

Core Features and User Experience

The core feature is cumulative withholding calculation for wage and salary PIT: users select the corresponding tax period (months 1–12) and input current-month/cumulative pre-tax income, social insurance and housing fund contributions, and special additional deductions. The system automatically applies the 5,000 RMB/month tax exemption threshold and computes the cumulative taxable income, applicable tax rate, cumulative tax payable, tax due (or refundable) for the current month, and the current month's after-tax income. It also includes a complete explanation of the PIT calculation formulas. The overall workflow is straightforward, with clear prompts on each input field and virtually no learning curve.

Pricing and Roadmap

All features across the site are fully free, with no hidden fees or membership restrictions. According to the platform's notes, upcoming plans include support for year-end bonuses, labor service remuneration, reverse calculation from after-tax income, and non-resident PIT scenarios. Additional features such as customizable city-specific social insurance/housing fund contribution rates and manual entry of already-paid taxes are also planned, aiming to cover a wider range of tax and finance calculation needs.

Pros and Cons

Pros: Completely free with no barriers to entry, strictly aligned with China's current cumulative withholding PIT policy, simple workflow, clear input prompts, and bundled with multiple lifestyle-oriented tax calculation tools. Cons: Feature coverage is currently limited—labor service remuneration, year-end bonuses, and other income types are not yet supported; city-specific social insurance and housing fund contribution rates cannot be customized; already-paid tax amounts are estimates, and users cannot input actual paid figures.

Target Users and Access from China

The tool is well-suited for salaried workers in China who want to quickly estimate monthly PIT and after-tax income, and can also serve as a basic reference for entry-level tax and finance practitioners. The site is currently accessible directly from within mainland China.