Your salary went up, but the amount hitting your account feels smaller than expected. That's because four social insurances and income tax come out of your gross pay. Enter your annual salary below to estimate your 2026 monthly take-home pay.
| National Pension 4.75% | 0 |
| Health Insurance 3.595% | 0 |
| Long-term Care 13.14% of health | 0 |
| Employment Insurance 0.9% | 0 |
| Income Tax | 0 |
| Local Income Tax 10% of income tax | 0 |
| Total deductions | 0 |
Enter your salary to calculate automatically. This is an estimate; actual withholding (NTS tax table) and year-end settlement may differ. Amounts are in KRW.
What comes out of your pay
Deductions from gross pay fall into four social insurances and two taxes. The 2026 employee-share rates are:
- National Pension — 4.75% of taxable income (raised in the 2026 pension reform). Capped at a monthly base of 6.59M KRW.
- Health Insurance — 3.595% of taxable income
- Long-term Care — 13.14% of the health insurance premium
- Employment Insurance — 0.9% of taxable income
- Income Tax — withheld per the NTS simplified tax table (varies with dependents and tax-free items)
- Local Income Tax — 10% of income tax
Why does the same salary give different take-home?
The biggest factors are your number of dependents and tax-free allowances.
- More dependents lower your income tax, raising take-home pay.
- Tax-free allowances (e.g. a 200,000 KRW/month meal allowance) reduce the taxable amount, lowering both tax and insurance. So the same salary can yield different take-home depending on how pay is structured.
Note. This calculator assumes a 200,000 KRW meal allowance as the default tax-free amount. Actual tax-free items vary by employer — enter the figure from your payslip for accuracy.
Don't judge a job offer by gross salary alone — take-home can be lower than expected. Check net pay and pay structure before negotiating.
This is an estimate based on published rates and standard formulas. Actual withholding follows the NTS tax table and final tax depends on year-end settlement. Confirm with your payroll team or Hometax. This is general information, not tax advice.
