2026년 연봉 실수령액: 국민연금, 건강보험, 장기요양, 고용보험과 간이세액표 소득세
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.연봉 실수령액은 연봉을 12로 나눈 월급에서 4대보험과 세금을 뺀 금액입니다. 2026년 국민연금은 4.75% (기준소득월액 41만원~659만원), 건강보험은 3.595%, 장기요양보험은 건강보험료의 0.9448/7.19, 고용보험은 0.9%입니다. 소득세는 2026년 2월 27일 개정된 근로소득 간이세액표로, 지방소득세는 소득세의 10%입니다. 8세 이상 20세 이하 자녀가 있으면 1명 20,830원, 2명 45,830원을 뺍니다. 월 300만원, 1인 가구라면 실수령액은 2,626,700원입니다.
Before deductions. A yearly salary is divided by 12.
Allowances your payslip marks as non-taxable, such as a meal allowance. Left out of tax and insurance.
You, your spouse and the dependants you claim: a couple with two children is 4.
2,893,726원
3,333,333원 − 323,877원 insurance − 115,730원 taxNot included: the year-end settlement, bonus months, small-workplace subsidies. Rounding the sources do not state is cut to the won or 10 won.
Leaving a job? Work out your 퇴직금 with the South Korea Severance Pay Calculator.
소득세법 시행령 별표 2 (2026. 2. 27.), NPS, 4insure and NHIS 2026 rates, checked 17 Oct 2026. An estimate.
| Monthly pay | 3,333,333원 |
| National pension 4.75% (on 3,333,000원) | −158,317원 |
| Health insurance 3.595% | −119,830원 |
| Long-term care | −15,740원 |
| Employment insurance 0.9% | −29,990원 |
| Table amount for your family | 105,210원 |
| Income tax withheld | −105,210원 |
| Local income tax 10% | −10,520원 |
| Take-home pay | 2,893,726원 |
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator works out a Korean employee's monthly take-home pay (실수령액) in 2026: the four social insurances and the income tax an employer withholds under the simplified table in 별표 2 of the Income Tax Act decree, plus local income tax.
The four insurances. The national pension is 9.5% in 2026, the first step of the reform that adds 0.5 points a year until 13%; you pay half, 4.75%, on your monthly income cut to whole thousands and kept between 410,000 and 6,590,000 won from July 2026. Health insurance is 7.19%, half each, and long-term care insurance is your health premium times 0.9448 / 7.19. Employment insurance takes 0.9%.
Income tax. The employer looks up your monthly taxable pay, without non-taxable allowances, and your family count, yourself and your spouse included, in the 2026 table. Children aged 8 to 20 take off 20,830 won for one, 45,830 for two and 33,330 for each further child. Above 10,000,000 won a month the table gives formulas, which are applied as written. You may ask for 80% or 120% of the amount instead. Local income tax adds 10%.
The rest of the article, and all 6 questions about South Korea Net Salary Calculator 2026, are on the South Korea Net Salary Calculator 2026 page.
Take the monthly pay, subtract the four social insurances (pension 4.75%, health 3.595%, long-term care on top of health, employment 0.9%), then the income tax from the official simplified table for your pay and family size, and local income tax of 10% of that tax.
The rate rose from 9% to 9.5% in 2026, split equally, so an employee pays 4.75%. It rises by 0.5 points every year until it reaches 13% in 2033. From July 2026 it applies to monthly income between 410,000 and 6,590,000 won, so the most an employee pays is 313,025 won.
Health insurance is 7.19% of monthly pay, half paid by the employee, so 3.595%. Long-term care is the health premium times 0.9448 divided by 7.19, about 13.14% of it. On 2,000,000 won that is 71,900 won plus 9,440 won, with the last won digit dropped.
Yes. Under article 194 of the Income Tax Act decree you may ask your employer to withhold 80% or 120% of the table amount, and 100% applies when you choose nothing. Less withheld now means less refunded, or more to pay, at the year-end settlement.
Rates and rules change; check the source before you rely on a figure.
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