Take-home pay calculator
Your take-home is monthly gross minus the employee share of the four insurances and income + local income tax. It uses the rates in force for 2026 and shows income tax as the annual year-end-settlement amount ÷ 12.
- Take-home, four insurances and tax — itemized
- No sign-up, no hidden costs
- In Korean and English
Quick estimate
Enter your monthly gross, the number of dependants, and children aged 8–20 — the calculator immediately shows take-home, the itemized four insurances and tax, and the detailed breakdown. The result is an estimate, not the actual withholding.
Monthly gross (총지급액) before the four insurances and tax
You + spouse + dependent family members
Eligible for the child tax credit
Take-home (monthly)
Take-home (monthly): ₩3,233,172- Take-home (monthly)₩3,233,17286%
- Four insurances (employee share)₩344,9669%
- Income tax + local income tax₩171,8625%
- Monthly gross pay
- ₩3,750,000
- Remuneration base (excl. non-taxable)
- ₩3,550,000
- National Pension (국민연금)
- ₩168,625
- Health insurance (건강보험)
- ₩127,622
- Long-term care (장기요양)
- ₩16,769
- Employment insurance (고용보험)
- ₩31,950
- Income tax (소득세)
- ₩156,238
- Local income tax (지방소득세)
- ₩15,624
The monthly income tax shown is the annual year-end-settlement (연말정산) tax ÷ 12. Actual monthly withholding uses the NTS simplified table (간이세액표, by number of dependants) and reconciles to this figure at year-end settlement.
Notes on the calculation (5)
Long-term care insurance is 13.14% OF the health-insurance premium — not a percentage of wage.
Industrial-accident insurance (산재) is paid entirely by the employer, so it is not deducted from take-home.
Bonuses (상여금) are not in this monthly figure. Annual income is assumed to be monthly gross × 12.
Person-specific deductions (insurance, medical, education, donations, card spend, pension savings) are not modeled — they only lower the tax further.
A non-taxable meal allowance of ₩200,000/month is excluded from both gross and the insurance base (default assumption).
The monthly income tax is the annual year-end-settlement (연말정산) tax ÷ 12. Actual monthly withholding uses the NTS simplified table (간이세액표) and reconciles at year-end, so this can differ slightly from 간이세액표-based tools.
When you work in Korea, the employee share of the four insurances (National Pension, health, long-term care, employment) and income + local income tax come off your monthly gross first. The figure on your payslip is already the take-home after those deductions.
Income tax follows a national progressive scale; actual monthly withholding uses the NTS simplified table and reconciles at year-end settlement. This calculator gives you a first, honest number for a sense of scale.
- 4.75%
- National Pension (employee)
- ₩2,156,880
- Monthly minimum wage (209h)
- ₩3,750,000
- Average monthly gross (context)
How it works
Three steps to a first, honest number — no sign-up.
- 1
Enter pay and family details
Monthly gross, number of dependants, and children aged 8–20.
- 2
See the itemized breakdown
The four insurances (pension, health, long-term care, employment) and income + local tax — line by line.
- 3
Get your take-home
The amount that lands in your account each month, instantly and clearly.
How the monthly deduction works
The four insurances come off your gross first, and only then the income tax.
- National Pension — the standard-monthly-income base has a floor and ceiling, so income above the ceiling adds nothing. The employee rate is 4.75%.
- Health insurance — on the remuneration base (3.595%); and long-term care is 13.14% of the health premium, not of wage.
- Employment insurance — employee share (0.9%). Industrial-accident insurance is employer-only, so it never touches take-home.
Income tax applies the progressive scale (from 6% to 45%) to the tax base, and local income tax adds 10% of that income tax on top.
Explore the tools
One page per topic — the four insurances, income tax, dependants, minimum wage.
Four insurances
Pension, health, long-term care, employment — the employee rates at a glance. 산재 is employer-paid.
Income tax
The progressive brackets on the tax base, plus local income tax.
Dependants
How dependants and children lower tax via the personal deduction and child credit.
Minimum wage
A single statutory minimum for every workplace — hourly and monthly.
Frequently asked questions
Answers about take-home pay, the four insurances and income tax.
About
What this calculator computes and how it is verified.
Simplified table vs year-end settlement
Two things are easy to confuse:
- Monthly withholding follows the NTS simplified table — a lookup by monthly pay and number of dependants.
- Year-end settlement reflects a full year of income and deductions to reach the decided tax, then reconciles what was withheld each month.
This calculator shows the decided (settlement) tax ÷ 12, so it can differ slightly from 간이세액표-based tools.
Reading your take-home properly
An annual or gross figure tells you little about what actually reaches your account. Read against take-home — after the four insurances and tax — to plan living costs and saving.
If you have dependants or children, the personal deduction and child credit lower the tax, so enter your family details too.
Frequently asked questions
The content of these answers is still being expanded.
Ready?
Work out your take-home in seconds
Enter your gross and see take-home, the itemized four insurances, and the tax — no sign-up.