Take-home Pay Calculator
✓ 2026 rates · NTS simplified tax table (rev. Mar 1, 2026) · Korea Insider ProGross monthly salary → net pay after the 4 insurances (employee share) and income tax withholding. 2026 rates.
Monthly pay excluding non-taxable items (e.g. up to ₩200,000 meal allowance).
Yourself + spouse + dependents you claim (간이세액표 공제대상가족수).
Among the dependents above. Adds a child tax credit.
Estimated monthly take-home
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| Gross monthly salary | — |
| Deductions (employee share) | |
| National Pension (국민연금 4.75%) | — |
| Health insurance + long-term care (건강보험·장기요양) | — |
| Employment insurance (고용보험 0.9%) | — |
| Income tax (소득세, 간이세액표) | — |
| Local income tax (지방소득세 10%) | — |
| Total deductions | — |
| Net monthly pay | — |
- Industrial accident insurance (산재보험) is 100% employer-paid, so it is not deducted from your salary and does not appear here. Employees contribute only to National Pension, Health (incl. long-term care), and Employment insurance.
- Income tax follows the National Tax Service 근로소득 간이세액표 (withholding estimate). Your real tax is settled at year-end (연말정산), where deductions for insurance, medical, education, donations etc. apply — so your actual burden is usually lower.
- National Pension is capped at the ₩6.37M/month contribution ceiling (valid through Jun 2026). Rate is 4.75% (2026 reform, employee share of 9.5%).
- Assumes a standard employee. Non-taxable allowances (meal, childcare, vehicle) reduce both insurance and tax — enter taxable pay only.
Sources (primary)
National Pension Service / NHIS / Korea Employment Insurance — 2026 rates; National Tax Service — 근로소득 간이세액표 (2026.3.1): nts.go.kr · 4insure.or.kr · Related: true monthly cost of hiring in Korea
National Pension Service / NHIS / Korea Employment Insurance — 2026 rates; National Tax Service — 근로소득 간이세액표 (2026.3.1): nts.go.kr · 4insure.or.kr · Related: true monthly cost of hiring in Korea
Korea's rates change every January.
Get one email when the numbers behind this calculator change — nothing else.
How this calculator works
This tool estimates your monthly net pay from your gross taxable salary, using 2026 rates.
- National Pension — 4.75% of pay, capped at the ₩6.37M monthly contribution base.
- Health insurance — 3.595%, plus long-term care at 13.14% of the health premium.
- Employment insurance — 0.9%.
- Income tax — withheld per the National Tax Service simplified table (간이세액표), based on your salary, dependents, and children aged 8–20.
- Local income tax — 10% of the income tax.
Industrial accident insurance (산재보험) is paid entirely by the employer, so it never reduces your salary.
Worked example. A ₩3,500,000 gross salary (1 dependent, no children): National Pension ₩166,250 · Health ₩125,820 · Long-term care ₩16,530 · Employment ₩31,490 · Income tax ₩127,220 · Local income tax ₩12,720. Net take-home ≈ ₩3,019,970 — about 86.3% of gross.
Frequently asked
- Why is my real take-home different? The simplified table is only a withholding estimate. Your final tax is settled at year-end (연말정산), where insurance, medical, education and other deductions apply — usually lowering your burden.
- Is severance (퇴직금) included? No. Severance is separate from monthly pay — use the severance calculator.
- What is never deducted? Industrial accident insurance (employer-paid) and non-taxable allowances such as a meal allowance up to ₩200,000.
- How often do the numbers change? Rates reset every January; the 2026 pension reform raised the National Pension rate, and the simplified tax table was revised on March 1, 2026.