2026 Korea Salary Calculator
Reflecting 4.75% National Pension increase (2026)
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Notice: 2026 tax laws and 4-major insurance rates (100%) are automatically applied. High earners ($100M+) use annual conversion progressive tax for accuracy.
2026 vs 2025: What's Changed?
Starting January 2026, all 4-major insurance deductions are increasing. As part of the National Pension reform, the rate increases from 9.0% to 9.5%, and health insurance rates also rise slightly. This means that even if your salary stays the same, increased deductions will result in lower take-home pay.
| Category | 2025 (Previous) | 2026 (Increased) | Impact |
|---|---|---|---|
| National Pension (Employee Share) | 4.5% | 4.75% ▲0.25%p | ▼ Net Pay Decreases (Cap Frozen) |
| Health Insurance (Employee Share) | 3.545% | 3.595% ▲0.05%p | ▼ Net Pay Decreases |
| Long-term Care (vs Health) | 12.95% | 13.14% ▲0.19%p | ▼ Net Pay Decreases |
📢 Long-term Pension Increase Plan
This change is the beginning of a long-term plan, not a one-time increase. Starting from 2026, it will increase by 0.5% every year for 8 years, reaching 13% (6.5% for employees) by 2033.
🧮 How Net Pay is Calculated
Net Pay = Monthly Gross - (Pension + Health + Long-term Care + Employment + Income Tax + Local Tax)
- National Pension: Taxable Income × 4.75% (Max 286,650 KRW - Rate Increased, Cap Frozen)
- Health Insurance: Taxable Income × 3.595% (Rate Increased)
- Long-term Care: Health Insurance × 13.14% (Rate Increased)
- Employment Insurance: Taxable Income × 0.9% (Frozen)
- Income Tax: NTS Simplified Tax Table (Annual progressive tax applied for over 10M KRW)
- Local Income Tax: Income Tax × 10% (Floored)
💰 Net Pay Examples by Annual Salary (2026)
| Salary (Gross) | Monthly Net | Total Deduction | Pension (Monthly) |
|---|---|---|---|
| 30M KRW | 2,246,810 KRW | 253,190 KRW | 112,500 KRW |
| 40M KRW | 2,912,450 KRW | 420,880 KRW | 150,000 KRW |
| 50M KRW | 3,564,210 KRW | 602,450 KRW | 187,500 KRW |
| 100M KRW | 6,523,190 KRW | 1,810,140 KRW | 286,650 KRW (Cap) |
* Based on Single person, excluding non-taxable items (except 200k meal allowance).
💡 Frequently Asked Questions (FAQ)
- Q. Is the National Pension increase reflected?
- Yes, the 2026 National Pension increase (4.75%) and the cap are accurately reflected.
- Q. How do dependent deductions work?
- Income tax varies based on the number of dependents including yourself. More dependents mean lower tax burden.
- Q. Are bonuses or performance pay included?
- This calculator is based on fixed monthly salary. Bonuses may result in temporarily higher tax withholding in the month they are paid.