Take-home Salary Calculator
See your real monthly take-home pay after the four insurances and income tax are deducted from your salary.
Insurances use the employee share; income tax is an annual approximation. Confirm with your payslip.
How the take-home number is built
Take-home pay starts from your monthly gross, but the deductions are not all calculated the same way, and the order matters. First, non-taxable items such as a meal allowance are set aside, because the four insurances and income tax are charged on your taxable pay, not your full gross. From that taxable base we subtract the employee share of national pension (4.5%), health insurance (3.545%), long-term care insurance (added as a fixed percentage of your health insurance premium), and employment insurance (0.9%). Then income tax is applied, and local income tax is added on top at 10% of the income tax. What remains after all of that is your take-home pay.
A worked example you can follow
Suppose your monthly gross is 3,000,000 won and 200,000 won of it is a non-taxable meal allowance. The taxable base is 2,800,000 won. National pension takes 2,800,000 x 4.5% = 126,000 won, health insurance takes 2,800,000 x 3.545% = 99,260 won, and employment insurance takes 2,800,000 x 0.9% = 25,200 won. Those three alone come to 250,460 won. Long-term care insurance and income tax (plus local income tax at 10% of the income tax) are then subtracted on top, so your final take-home is lower again. Notice that if the whole 3,000,000 were taxable, every one of these percentages would be charged on a larger number, which is exactly why the non-taxable field matters.
Why non-taxable pay matters more than you think
Non-taxable pay is the one lever most people overlook. A meal allowance (non-taxable up to 200,000 won per month), commuting support, or a childcare allowance is excluded from the taxable base before any deduction runs. That means the same 200,000 won paid as a non-taxable meal allowance avoids national pension, health insurance, long-term care, employment insurance, and income tax all at once, so it lands in your pocket far more completely than 200,000 won of ordinary taxable salary. When you compare two offers, look not only at the headline salary but at how much of it is structured as non-taxable.
When and how to use it
- Comparing job offers: put each offer's gross and non-taxable amount in and compare the real take-home, not the headline number, since two offers with the same gross can pay differently.
- Monthly budgeting: plan fixed spending and savings from the amount that actually lands in your account, not from your annual salary divided by twelve.
- Testing a raise or bonus: enter the higher figure to see how much of the increase survives the deductions before you commit to new spending.
- Checking non-taxable structure: adjust the meal allowance or other non-taxable items to see how the taxable base, each insurance, and take-home all shift together.
Common mistakes and misconceptions
- Comparing gross salaries directly: once non-taxable structure and the number of dependents are counted, two identical gross figures can produce different take-home.
- Expecting a raise to land in full: the four insurances and income tax all scale with the higher taxable pay, so your net rises by less than your gross does. The gap is normal, not an error.
- Forgetting the year-end tax settlement: the monthly income tax is only an estimate that gets reconciled once a year, so a refund or extra payment can change your effective annual net.
- Treating long-term care as a flat separate fee: it is calculated from your health insurance premium, so it moves whenever health insurance does.
What this calculator can and cannot promise
- Insurance rates and tax tables are set each year and can change, so a calculator is only as current as the assumptions built into it.
- Income tax here is an annual approximation, not the official simplified monthly withholding table your employer uses, so small differences from your payslip are expected.
- Actual deductions vary by company policy, number of dependents, and which items are treated as non-taxable, none of which a general calculator can know exactly.
- Treat the result as a planning reference, and confirm exact figures against your payslip, the National Tax Service (Hometax), or the National Health Insurance Service before making decisions that depend on the precise amount.
Your salary and family details are calculated only in your browser and are never sent to or stored on a server.
Read the Privacy Policy →Frequently asked questions
Why does it differ slightly from my payslip?
Your employer withholds income tax using the official simplified monthly withholding table, while this calculator approximates income tax on an annual basis. Companies also differ on which items they treat as non-taxable and on how dependents are counted. Those differences are usually small, so use the result as a reference rather than an exact figure.
What goes in the non-taxable amount?
Non-taxable pay such as a meal allowance (non-taxable up to 200,000 won per month), commuting support, or a childcare allowance. The default assumes a typical 200,000 won meal allowance. Adjust it to match your own contract, because it directly changes the taxable base that every deduction is calculated on.
How do I count dependents?
Include yourself plus any qualifying spouse, children, and parents who meet the deduction requirements. More dependents lower income tax and therefore slightly raise take-home pay. Only count people who actually qualify, since your payslip reflects the number your employer has on file.
Why doesn't my take-home rise as much as my raise?
Because every deduction scales with the higher pay. When your salary goes up, national pension (4.5%), health insurance (3.545%), long-term care, and employment insurance (0.9%) are all charged on a larger base, and income tax rises as well. So the increase in your take-home is always smaller than the increase in your gross, and that gap is how the deductions are designed to work.
Are the four insurances charged on my gross or my taxable pay?
On your taxable pay, not your full gross. Non-taxable items such as a meal allowance are removed first, and the four insurance premiums and income tax are then calculated on what remains. That is why adding a non-taxable amount lowers every one of the four insurances and the income tax at the same time.
Is my salary data stored?
No. All calculation happens only in your browser, and your salary and family details are never sent to or stored on a server. You can close the page at any time and nothing is retained.