Why does this differ from what my employer withholds?

Employers withhold using the simplified tax table, which is hundreds of rows and is not shipped here. This follows the tax law itself (earned-income deduction → personal deductions → brackets) to give an estimate — the figure your year-end settlement converges on.

Why do other sites give different numbers?

Three things: whether the tax-free part is excluded, whether the insurance caps and floors are applied, and how the tax is estimated. All three are shown on screen here.

Which year are the rates from?

The year used is printed with the result. Rates change annually, and answering with stale ones is the worst outcome.

Take-home pay

Name: 실수령액
Author: KarmoLab

Take-home pay · four insurances · tax-free allowance · shows the rate year

실수령액

연봉·월급에서 4대보험과 세금을 떼고 통장에 들어오는 돈을 계산합니다. 비과세·부양가족까지 반영합니다

무엇 기준

세전 금액

비과세 (식대 등, 월)

부양가족 (본인 포함)

자녀 (8~20세)

떼는 것

세전 월급3,000,000

비과세200,000세금·보험료를 안 매김

국민연금-126,0004.5%

건강보험-99,2603.545%

장기요양-12,850건강보험료의 12.95%

고용보험-25,2000.9%

소득세-66,860어림값

지방소득세-6,68010%

떼는 것 합계-336,850

실수령액

2,663,150 / 월

연 실수령31,957,800

연 세전36,000,000

남는 비율 (%)88.8

2025년 요율로 셌습니다

2025년 요율 기준입니다. 소득세는 어림값입니다 — 회사는 「간이세액표」로 떼고, 그 차이는 연말정산에서 맞춰집니다. 상여·수당·회사 지원금은 안 넣었습니다. 국민연금은 상·하한이 있어 아주 높은 월급에서는 더 안 뗍니다. 적은 값은 브라우저를 벗어나지 않습니다.

Works out what actually lands in your account after tax and insurance, and puts the three things that make answers differ right on screen.

How to use it

Enter your annual or monthly pay
Enter the tax-free part (meal allowance etc.) and dependants
See how much is tax and how much is insurance
Check the take-home figure and which year the rates are from

Common questions

Why does this differ from what my employer withholds?: Employers withhold using the simplified tax table, which is hundreds of rows and is not shipped here. This follows the tax law itself (earned-income deduction → personal deductions → brackets) to give an estimate — the figure your year-end settlement converges on.
Why do other sites give different numbers?: Three things: whether the tax-free part is excluded, whether the insurance caps and floors are applied, and how the tax is estimated. All three are shown on screen here.
Which year are the rates from?: The year used is printed with the result. Rates change annually, and answering with stale ones is the worst outcome.

Other tools

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