2025年年収手取り計算機

Gross pay is your agreed salary. Net pay (take-home) is what hits your bank account after deductions. Typical deductions: national pension (4.5%), health insurance (3.545%), long-term care (0.46%), employment insurance (0.9%), and income tax (progressive). For a 50M KRW annual salary, total deductions typically run 18–22%, leaving a net of roughly 39–41M KRW. The higher your income, the larger the gap due to progressive income tax.

Korea uses a progressive tax system with 8 brackets (6%–45%). You only pay the higher rate on income within each bracket — not on all income. On a 50M KRW salary, you pay 6% on the first 14M, 15% on 14–50M, etc. Year-end tax settlement (연말정산) refunds overpaid taxes or collects underpaid amounts — based on deductions like pension contributions, credit card spending, and dependent family members.

Pension deductions (IRP contributions) reduce taxable income directly. Meal allowances up to 200,000 KRW/month are fully tax-free. Credit card and cash receipt deductions reduce year-end taxes. Dependents (children, elderly parents) add significant deduction amounts. For high earners, maximizing personal pension contributions (up to 9M KRW/year) can save hundreds of thousands in taxes annually.

This calculator covers the 4 major social insurances and estimated income tax. Your actual take-home may also be affected by: year-end settlement deductions (연말정산 항목), regional income tax (local surtax ~10% of income tax), non-taxable benefits (car allowance, housing), overtime and bonus taxation, and company-specific welfare programs. For official calculations, use the NTS Hometax (국세청 홈택스) withholding tax simulator.