Korea Net Salary Calculator
Last updated: 2026-06-25
Korean net salary (take-home pay) is your gross salary minus the 4 social insurances (National Pension 4.5%, Health Insurance 3.545%, Long-term Care 12.95% of health insurance, Employment Insurance 0.9%) and income tax plus local income tax — the amount actually deposited to your account.
The formula is monthly take-home = (annual salary ÷ 12) − (National Pension + Health Insurance + Long-term Care + Employment Insurance + income tax + local income tax).
Enter your salary
Monthly take-home pay (after tax)
0 KRW
| Item | Amount |
|---|---|
| Gross monthly salary | |
| Taxable monthly salary (excl. meal allowance) | |
| National Pension (4.5%) | |
| Health Insurance (3.545%) | |
| Long-term Care (12.95% of health insurance) | |
| Employment Insurance (0.9%) | |
| Income tax (simplified estimate) | |
| Local income tax (10% of income tax) | |
| Total deductions |
Income tax is an approximation of the simplified withholding tax; the exact amount follows the National Tax Service (Hometax) simplified tax table.
How to use
- Enter gross salary — Enter your gross (pre-tax) annual salary in won.
- Enter allowance and dependents — Enter the monthly non-taxable meal allowance (default 200,000 KRW) and the number of dependents including yourself.
- View the result — Press Calculate to see the 4 social insurances and tax deductions plus your monthly and annual take-home pay in a table.
How Korean net salary is calculated and what gets deducted
Korean net salary is calculated by dividing the gross annual salary by 12, then deducting the 4 social insurances and taxes based on the taxable monthly salary (gross minus the non-taxable meal allowance). Non-taxable items such as the meal allowance are excluded from the social insurances and income tax, so they raise take-home pay.
| Item | Rate (employee) | Base |
|---|---|---|
| National Pension | 4.5% | Standard monthly income (cap 6,170,000 / floor 390,000) |
| Health Insurance | 3.545% | Taxable monthly salary |
| Long-term Care | Health insurance × 12.95% | Health insurance premium |
| Employment Insurance | 0.9% | Taxable monthly salary |
| Income tax | Simplified table | Taxable pay & dependents |
| Local income tax | Income tax × 10% | Income tax |
The National Pension applies a cap (6,170,000 KRW) and floor (390,000 KRW) to the standard monthly income, so even if taxable pay exceeds the cap the contribution is fixed at 277,650 KRW. Health and employment insurance have no separate cap for ordinary employees (health insurance has its own upper/lower rules but is charged proportionally within the normal range).
To understand the gap between gross and net pay in more detail, see our guide Why gross salary differs from take-home pay (Korea's social insurances & taxes).
Frequently asked questions (FAQ)
Why is take-home pay different from gross salary in Korea?
Gross salary is the pre-tax figure, while take-home pay is what actually lands in your bank account after the 4 social insurances (National Pension 4.5%, Health Insurance 3.545%, Long-term Care 12.95% of health insurance, Employment Insurance 0.9%) and income tax plus local income tax. As a result, take-home pay is usually about 80-90% of gross salary.
Is the income tax in this calculator exact?
The income tax here is an approximation of Korea's simplified withholding tax table. The exact amount withheld each month depends on your number of dependents and children and follows the National Tax Service simplified tax table. The final figure is settled through year-end tax adjustment.
How much meal allowance is non-taxable?
Since 2023 the meal allowance is non-taxable up to 200,000 KRW per month. Non-taxable meal allowance is excluded from the 4 social insurances and income tax, so it raises your take-home pay.
Does the National Pension have a cap and floor?
The National Pension contribution is the standard monthly income times 4.5% (employee share), with the standard monthly income capped at 6,170,000 KRW and floored at 390,000 KRW. So even if your taxable pay exceeds the cap, the contribution does not rise further.
How will take-home pay change in 2026?
Social insurance rates and the simplified income tax table may change every year. This calculator uses 2025 rates; if rates change you can update it to the latest values. For exact figures, check the National Tax Service and the 4 Social Insurance Information Portal.
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Why gross differs from take-home
A guide to Korea's social insurances and taxes.
Last updated: 2026-06-25