Why is the take-home lower than my payslip shows?

The income tax here is a simplified estimate, not the National Tax Service's official withholding table (간이세액표), and it ignores non-taxable allowances like the meal allowance (up to 200,000 won a month, which isn't taxed). The four insurance deductions will closely match your slip, but expect the tax line to differ. Treat the net figure as a reference, not an exact payslip.

How is the National Pension deduction capped?

Pension is 4.5% of monthly gross, but only up to a capped base of 6,170,000 won per month. That means the pension deduction never exceeds about 277,650 won no matter how high your salary, so above that income level a raise doesn't increase your pension contribution.

Which parts of the calculation are exact?

The four national insurances use 2025 employee rates and are computed precisely: pension 4.5% (with the monthly cap), health 3.545%, long-term care 12.95%, and employment 0.9%. Only the income and local tax lines are approximated. So the insurance breakdown is reliable while the tax is a ballpark.

Is long-term care insurance charged on my salary?

No, and this trips people up: the 12.95% long-term care rate is applied to your health-insurance premium, not to your salary. That's why it shows up as a small add-on to the health line rather than a large deduction. It's a percentage of a percentage.

Does the number of dependents change the result?

It slightly lowers the estimated income tax, since the tool subtracts a flat allowance plus 150,000 won per dependent before applying tax rates. Count yourself, so the minimum is 1. Because the tax model is simplified, the dependent effect is approximate rather than the exact figure your employer withholds.

Net Salary Calculator (KR)

Estimate monthly take-home pay after Korean insurance & tax.

Annual gross (KRW)Dependents (incl. self)

What is Net Salary Calculator (KR)?

Net Salary Calculator (KR) estimates your monthly take-home pay from an annual gross salary in Korea, with a line-by-line breakdown of deductions. It computes the four national insurances exactly (2025 employee rates, pension ceiling applied) and estimates income and local tax with a simplified progressive model — free, and calculated in your browser.

Key features

Exact four-insurance math: pension, health, long-term care, employment
2025 employee rates with the pension ceiling applied
Simplified progressive estimate of income and local tax
Dependent count input, including yourself
Line-by-line breakdown of deductions and net pay

How to estimate Korean net (take-home) salary

An annual gross figure in a job offer is not what lands in your account. This calculator estimates your monthly take-home pay (실수령액) in Korea and shows a line-by-line breakdown of every deduction, so you can see exactly where the gap goes. It runs in your browser; your salary figures are never sent anywhere.

How to use it

Enter your annual gross salary in KRW. The tool divides it by 12 to get monthly gross.
Enter your number of dependents, including yourself (so the minimum is 1). More dependents slightly lower the estimated income tax.
Click Calculate to see monthly gross, the four national insurances, income and local tax, total deductions, and net pay.

What's calculated exactly

The four national insurances use the 2025 employee-share rates and are computed precisely:

National Pension (국민연금): 4.5% of monthly gross — but only up to a capped base of ₩6,170,000 per month, so the pension deduction never exceeds about ₩277,650, no matter how high the salary.
Health Insurance (건강보험): 3.545% of monthly gross.
Long-Term Care (장기요양): 12.95% — importantly, this is charged on your health-insurance premium, not on your salary, so it's a small add-on to the health line.
Employment Insurance (고용보험): 0.9% of monthly gross.

What's only an estimate

Income tax and the 10% local surtax are a simplified approximation, not the National Tax Service's official withholding table (간이세액표). The tool takes monthly gross, subtracts a flat ₩1,500,000 plus ₩150,000 per dependent, and applies rough progressive rates (6% / 15% / 24%) to what's left; local tax is 10% of that income tax. This captures the shape of the deduction but not its exact value.

A worked example

Take a ₩48,000,000 annual gross: monthly gross is ₩4,000,000. Pension is 4.5% of that (₩180,000, since it's under the cap), health is 3.545% (₩141,800), long-term care is 12.95% of the health premium (about ₩18,360), and employment is 0.9% (₩36,000). Those four insurances alone come to roughly ₩376,000 before any tax — which is why the figure that hits your account is noticeably below one-twelfth of your annual gross.

What isn't included

A few things sit outside this estimate entirely. Your employer pays a matching share of most of these insurances, but you only ever see the employee half here, so the total cost to the company is higher than your deduction. Severance pay (퇴직금) is accrued separately and isn't part of monthly take-home, and irregular bonuses or performance pay (성과급) are taxed when paid rather than smoothed across the year, so a bonus month looks different from a normal one.

Why your payslip will differ

Treat the tax figure as a reference, not a payslip. The real calculation reflects things this model deliberately skips: non-taxable allowances (such as a meal allowance up to ₩200,000/month, which isn't taxed), the detailed official withholding table, and the annual year-end settlement (연말정산), where deductions for insurance, credit-card spending, and more can refund or claw back tax. The four insurances above will closely match your slip; the income tax is where to expect the biggest divergence.

Frequently asked questions

Why is the take-home lower than my payslip shows?: The income tax here is a simplified estimate, not the National Tax Service's official withholding table (간이세액표), and it ignores non-taxable allowances like the meal allowance (up to 200,000 won a month, which isn't taxed). The four insurance deductions will closely match your slip, but expect the tax line to differ. Treat the net figure as a reference, not an exact payslip.
How is the National Pension deduction capped?: Pension is 4.5% of monthly gross, but only up to a capped base of 6,170,000 won per month. That means the pension deduction never exceeds about 277,650 won no matter how high your salary, so above that income level a raise doesn't increase your pension contribution.
Which parts of the calculation are exact?: The four national insurances use 2025 employee rates and are computed precisely: pension 4.5% (with the monthly cap), health 3.545%, long-term care 12.95%, and employment 0.9%. Only the income and local tax lines are approximated. So the insurance breakdown is reliable while the tax is a ballpark.
Is long-term care insurance charged on my salary?: No, and this trips people up: the 12.95% long-term care rate is applied to your health-insurance premium, not to your salary. That's why it shows up as a small add-on to the health line rather than a large deduction. It's a percentage of a percentage.
Does the number of dependents change the result?: It slightly lowers the estimated income tax, since the tool subtracts a flat allowance plus 150,000 won per dependent before applying tax rates. Count yourself, so the minimum is 1. Because the tax model is simplified, the dependent effect is approximate rather than the exact figure your employer withholds.

Privacy

The insurance and tax estimate is computed locally using published 2025 rates; your salary figures are never sent to a server.