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2026 최신 기준

연봉 실수령액 표

연봉 1,000만원~1억 5,000만원 구간별 국민연금·건강보험·장기요양·고용보험·소득세 공제 후 월 실수령액을 한눈에 확인하세요. 부양가족 1인(본인) 기준 · 2026년 4대보험 요율 적용.

국민연금 4.5%건강보험 3.545%장기요양 건강보험료×12.95%고용보험 0.9%
141개 구간
연봉월 실수령액공제합계국민연금건강보험장기요양고용보험소득세지방소득세실효세율
1,000만원754,965원78,368원37,500원29,542원3,826원7,500원면제—9.4%
1,100만원830,463원86,204원41,250원32,496원4,208원8,250원면제—9.4%
1,200만원905,959원94,041원45,000원35,450원4,591원9,000원면제—9.4%
1,300만원981,456원101,877원48,750원38,404원4,973원9,750원면제—9.4%
1,400만원1,056,953원109,714원52,500원41,358원5,356원10,500원면제—9.4%
1,500만원1,131,568원118,432원56,250원44,313원5,739원11,250원800원80원9.5%
1,600만원1,205,800원127,533원60,000원47,267원6,121원12,000원1,950원195원9.6%
1,700만원1,280,021원136,646원63,750원50,221원6,504원12,750원3,110원311원9.6%
1,800만원1,353,879원146,121원67,500원53,175원6,886원13,500원4,600원460원9.7%
1,900만원1,427,494원155,839원71,250원56,129원7,269원14,250원6,310원631원9.8%
2,000만원1,501,100원165,567원75,000원59,083원7,651원15,000원8,030원803원9.9%
2,100만원1,574,707원175,293원78,750원62,038원8,034원15,750원9,746원975원10.0%
2,200만원1,648,317원185,016원82,500원64,992원8,416원16,500원11,462원1,146원10.1%
2,300만원1,721,926원194,741원86,250원67,946원8,799원17,250원13,178원1,318원10.2%
2,400만원1,795,535원204,465원90,000원70,900원9,182원18,000원14,894원1,489원10.2%
2,500만원1,869,144원214,189원93,750원73,854원9,564원18,750원16,610원1,661원10.3%
2,600만원1,941,968원224,699원97,500원76,808원9,947원19,500원19,040원1,904원10.4%
2,700만원2,014,791원235,209원101,250원79,763원10,329원20,250원21,470원2,147원10.5%
2,800만원2,087,614원245,719원105,000원82,717원10,712원21,000원23,900원2,390원10.5%
2,900만원2,160,439원256,228원108,750원85,671원11,094원21,750원26,330원2,633원10.6%
3,000만원2,233,262원266,738원112,500원88,625원11,477원22,500원28,760원2,876원10.7%
3,100만원2,304,410원278,923원116,250원91,579원11,859원23,250원32,714원3,271원10.8%
3,200만원2,375,557원291,110원120,000원94,533원12,242원24,000원36,668원3,667원10.9%
3,300만원2,446,703원303,297원123,750원97,488원12,625원24,750원40,622원4,062원11.0%
3,400만원2,517,850원315,483원127,500원100,442원13,007원25,500원44,576원4,458원11.1%
3,500만원2,588,998원327,669원131,250원103,396원13,390원26,250원48,530원4,853원11.2%
3,600만원2,654,639원345,361원135,000원106,350원13,772원27,000원57,490원5,749원11.5%
3,700만원2,720,279원363,054원138,750원109,304원14,155원27,750원66,450원6,645원11.8%
3,800만원2,785,921원380,746원142,500원112,258원14,537원28,500원75,410원7,541원12.0%
3,900만원2,851,560원398,440원146,250원115,213원14,920원29,250원84,370원8,437원12.3%
4,000만원2,917,200원416,133원150,000원118,167원15,303원30,000원93,330원9,333원12.5%
4,100만원2,984,459원432,208원153,750원121,121원15,685원30,750원100,820원10,082원12.6%
4,200만원3,051,716원448,284원157,500원124,075원16,068원31,500원108,310원10,831원12.8%
4,300만원3,118,974원464,359원161,250원127,029원16,450원32,250원115,800원11,580원13.0%
4,400만원3,186,232원480,435원165,000원129,983원16,833원33,000원123,290원12,329원13.1%
4,500만원3,253,489원496,511원168,750원132,938원17,215원33,750원130,780원13,078원13.2%
4,600만원3,316,245원517,088원172,500원135,892원17,598원34,500원142,362원14,236원13.5%
4,700만원3,379,002원537,665원176,250원138,846원17,981원35,250원153,944원15,394원13.7%
4,800만원3,441,758원558,242원180,000원141,800원18,363원36,000원165,526원16,553원14.0%
4,900만원3,504,514원578,819원183,750원144,754원18,746원36,750원177,108원17,711원14.2%
5,000만원3,567,272원599,395원187,500원147,708원19,128원37,500원188,690원18,869원14.4%
5,100만원3,630,290원619,710원191,250원150,663원19,511원38,250원200,033원20,003원14.6%
5,200만원3,693,309원640,024원195,000원153,617원19,893원39,000원211,376원21,138원14.8%
5,300만원3,756,329원660,338원198,750원156,571원20,276원39,750원222,719원22,272원15.0%
5,400만원3,819,349원680,651원202,500원159,525원20,658원40,500원234,062원23,406원15.1%
5,500만원3,882,367원700,966원206,250원162,479원21,041원41,250원245,405원24,541원15.3%
5,600만원3,945,387원721,280원210,000원165,433원21,424원42,000원256,748원25,675원15.5%
5,700만원4,008,406원741,594원213,750원168,388원21,806원42,750원268,091원26,809원15.6%
5,800만원4,071,425원761,908원217,500원171,342원22,189원43,500원279,434원27,943원15.8%
5,900만원4,134,445원782,222원221,250원174,296원22,571원44,250원290,777원29,078원15.9%
6,000만원4,197,464원802,536원225,000원177,250원22,954원45,000원302,120원30,212원16.1%
6,100만원4,260,758원822,575원228,750원180,204원23,336원45,750원313,214원31,321원16.2%
6,200만원4,324,051원842,616원232,500원183,158원23,719원46,500원324,308원32,431원16.3%
6,300만원4,387,343원862,657원236,250원186,113원24,102원47,250원335,402원33,540원16.4%
6,400만원4,450,636원882,697원240,000원189,067원24,484원48,000원346,496원34,650원16.6%
6,500만원4,513,930원902,737원243,750원192,021원24,867원48,750원357,590원35,759원16.7%
6,600만원4,577,224원922,776원247,500원194,975원25,249원49,500원368,684원36,868원16.8%
6,700만원4,640,516원942,817원251,250원197,929원25,632원50,250원379,778원37,978원16.9%
6,800만원4,703,811원962,856원255,000원200,883원26,014원51,000원390,872원39,087원17.0%
6,900만원4,767,102원982,898원258,750원203,838원26,397원51,750원401,966원40,197원17.1%
7,000만원4,830,395원1,002,938원262,500원206,792원26,780원52,500원413,060원41,306원17.2%
7,100만원4,886,941원1,029,726원266,250원209,746원27,162원53,250원430,289원43,029원17.4%
7,200만원4,943,485원1,056,515원270,000원212,700원27,545원54,000원447,518원44,752원17.6%
7,300만원5,000,030원1,083,303원273,750원215,654원27,927원54,750원464,747원46,475원17.8%
7,400만원5,056,575원1,110,092원277,500원218,608원28,310원55,500원481,976원48,198원18.0%
7,500만원5,113,119원1,136,881원281,250원221,563원28,692원56,250원499,205원49,921원18.2%
7,600만원5,169,664원1,163,669원285,000원224,517원29,075원57,000원516,434원51,643원18.4%
7,700만원5,226,210원1,190,457원288,750원227,471원29,457원57,750원533,663원53,366원18.6%
7,800만원5,282,754원1,217,246원292,500원230,425원29,840원58,500원550,892원55,089원18.7%
7,900만원5,339,298원1,244,035원296,250원233,379원30,223원59,250원568,121원56,812원18.9%
8,000만원5,395,844원1,270,823원300,000원236,333원30,605원60,000원585,350원58,535원19.1%
8,100만원5,451,729원1,298,271원302,570원상한239,288원30,988원60,750원604,250원60,425원19.2%
8,200만원5,510,186원1,323,147원302,570원상한242,242원31,370원61,500원623,150원62,315원19.4%
8,300만원5,568,643원1,348,024원302,570원상한245,196원31,753원62,250원642,050원64,205원19.5%
8,400만원5,627,100원1,372,900원302,570원상한248,150원32,135원63,000원660,950원66,095원19.6%
8,500만원5,685,556원1,397,777원302,570원상한251,104원32,518원63,750원679,850원67,985원19.7%
8,600만원5,744,013원1,422,654원302,570원상한254,058원32,901원64,500원698,750원69,875원19.9%
8,700만원5,802,469원1,447,531원302,570원상한257,013원33,283원65,250원717,650원71,765원20.0%
8,800만원5,860,925원1,472,408원302,570원상한259,967원33,666원66,000원736,550원73,655원20.1%
8,900만원5,919,383원1,497,284원302,570원상한262,921원34,048원66,750원755,450원75,545원20.2%
9,000만원5,977,839원1,522,161원302,570원상한265,875원34,431원67,500원774,350원77,435원20.3%
9,100만원6,036,296원1,547,037원302,570원상한268,829원34,813원68,250원793,250원79,325원20.4%
9,200만원6,094,753원1,571,914원302,570원상한271,783원35,196원69,000원812,150원81,215원20.5%
9,300만원6,153,208원1,596,792원302,570원상한274,738원35,579원69,750원831,050원83,105원20.6%
9,400만원6,211,665원1,621,668원302,570원상한277,692원35,961원70,500원849,950원84,995원20.7%
9,500만원6,270,122원1,646,545원302,570원상한280,646원36,344원71,250원868,850원86,885원20.8%
9,600만원6,328,579원1,671,421원302,570원상한283,600원36,726원72,000원887,750원88,775원20.9%
9,700만원6,387,035원1,696,298원302,570원상한286,554원37,109원72,750원906,650원90,665원21.0%
9,800만원6,445,493원1,721,174원302,570원상한289,508원37,491원73,500원925,550원92,555원21.1%
9,900만원6,503,948원1,746,052원302,570원상한292,463원37,874원74,250원944,450원94,445원21.2%
10,000만원6,562,404원1,770,929원302,570원상한295,417원38,257원75,000원963,350원96,335원21.3%
10,100만원6,620,360원1,796,307원302,570원상한298,371원38,639원75,750원982,706원98,271원21.3%
10,200만원6,678,315원1,821,685원302,570원상한301,325원39,022원76,500원1,002,062원100,206원21.4%
10,300만원6,736,270원1,847,063원302,570원상한304,279원39,404원77,250원1,021,418원102,142원21.5%
10,400만원6,794,226원1,872,441원302,570원상한307,233원39,787원78,000원1,040,774원104,077원21.6%
10,500만원6,852,180원1,897,820원302,570원상한310,188원40,169원78,750원1,060,130원106,013원21.7%
10,600만원6,910,134원1,923,199원302,570원상한313,142원40,552원79,500원1,079,486원107,949원21.8%
10,700만원6,968,091원1,948,576원302,570원상한316,096원40,934원80,250원1,098,842원109,884원21.9%
10,800만원7,026,045원1,973,955원302,570원상한319,050원41,317원81,000원1,118,198원111,820원21.9%
10,900만원7,084,000원1,999,333원302,570원상한322,004원41,700원81,750원1,137,554원113,755원22.0%
11,000만원7,141,956원2,024,711원302,570원상한324,958원42,082원82,500원1,156,910원115,691원22.1%
11,100만원7,194,024원2,055,976원302,570원상한327,913원42,465원83,250원1,181,616원118,162원22.2%
11,200만원7,246,095원2,087,238원302,570원상한330,867원42,847원84,000원1,206,322원120,632원22.4%
11,300만원7,298,165원2,118,502원302,570원상한333,821원43,230원84,750원1,231,028원123,103원22.5%
11,400만원7,350,236원2,149,764원302,570원상한336,775원43,612원85,500원1,255,734원125,573원22.6%
11,500만원7,402,305원2,181,028원302,570원상한339,729원43,995원86,250원1,280,440원128,044원22.8%
11,600만원7,454,376원2,212,291원302,570원상한342,683원44,377원87,000원1,305,146원130,515원22.9%
11,700만원7,506,445원2,243,555원302,570원상한345,638원44,760원87,750원1,329,852원132,985원23.0%
11,800만원7,558,514원2,274,819원302,570원상한348,592원45,143원88,500원1,354,558원135,456원23.1%
11,900만원7,610,586원2,306,081원302,570원상한351,546원45,525원89,250원1,379,264원137,926원23.3%
12,000만원7,662,655원2,337,345원302,570원상한354,500원45,908원90,000원1,403,970원140,397원23.4%
12,100만원7,714,349원2,368,984원302,570원상한357,454원46,290원90,750원1,429,018원142,902원23.5%
12,200만원7,766,043원2,400,624원302,570원상한360,408원46,673원91,500원1,454,066원145,407원23.6%
12,300만원7,817,736원2,432,264원302,570원상한363,363원47,056원92,250원1,479,114원147,911원23.7%
12,400만원7,869,430원2,463,903원302,570원상한366,317원47,438원93,000원1,504,162원150,416원23.8%
12,500만원7,921,124원2,495,543원302,570원상한369,271원47,821원93,750원1,529,210원152,921원24.0%
12,600만원7,972,818원2,527,182원302,570원상한372,225원48,203원94,500원1,554,258원155,426원24.1%
12,700만원8,024,511원2,558,822원302,570원상한375,179원48,586원95,250원1,579,306원157,931원24.2%
12,800만원8,076,207원2,590,460원302,570원상한378,133원48,968원96,000원1,604,354원160,435원24.3%
12,900만원8,127,899원2,622,101원302,570원상한381,088원49,351원96,750원1,629,402원162,940원24.4%
13,000만원8,179,593원2,653,740원302,570원상한384,042원49,733원97,500원1,654,450원165,445원24.5%
13,100만원8,230,542원2,686,125원302,570원상한386,996원50,116원98,250원1,680,175원168,018원24.6%
13,200만원8,281,491원2,718,509원302,570원상한389,950원50,499원99,000원1,705,900원170,590원24.7%
13,300만원8,332,440원2,750,893원302,570원상한392,904원50,881원99,750원1,731,625원173,163원24.8%
13,400만원8,383,390원2,783,277원302,570원상한395,858원51,264원100,500원1,757,350원175,735원24.9%
13,500만원8,434,338원2,815,662원302,570원상한398,813원51,646원101,250원1,783,075원178,308원25.0%
13,600만원8,485,287원2,848,046원302,570원상한401,767원52,029원102,000원1,808,800원180,880원25.1%
13,700만원8,536,237원2,880,430원302,570원상한404,721원52,411원102,750원1,834,525원183,453원25.2%
13,800만원8,587,186원2,912,814원302,570원상한407,675원52,794원103,500원1,860,250원186,025원25.3%
13,900만원8,638,135원2,945,198원302,570원상한410,629원53,176원104,250원1,885,975원188,598원25.4%
14,000만원8,689,085원2,977,582원302,570원상한413,583원53,559원105,000원1,911,700원191,170원25.5%
14,100만원8,718,023원3,031,977원302,570원상한416,538원53,942원105,750원1,957,434원195,743원25.8%
14,200만원8,746,962원3,086,371원302,570원상한419,492원54,324원106,500원2,003,168원200,317원26.1%
14,300만원8,775,902원3,140,765원302,570원상한422,446원54,707원107,250원2,048,902원204,890원26.4%
14,400만원8,804,841원3,195,159원302,570원상한425,400원55,089원108,000원2,094,636원209,464원26.6%
14,500만원8,833,780원3,249,553원302,570원상한428,354원55,472원108,750원2,140,370원214,037원26.9%
14,600만원8,862,721원3,303,946원302,570원상한431,308원55,854원109,500원2,186,104원218,610원27.2%
14,700만원8,891,658원3,358,342원302,570원상한434,263원56,237원110,250원2,231,838원223,184원27.4%
14,800만원8,920,597원3,412,736원302,570원상한437,217원56,620원111,000원2,277,572원227,757원27.7%
14,900만원8,949,537원3,467,130원302,570원상한440,171원57,002원111,750원2,323,306원232,331원27.9%
15,000만원8,978,476원3,521,524원302,570원상한443,125원57,385원112,500원2,369,040원236,904원28.2%

2026년 4대보험·소득세 공제율 안내

국민연금

4.5%

월 소득의 4.5% 공제. 월 302,570원 상한 (연봉 약 7,900만원 초과 시 고정)

건강보험

3.545%

월 소득의 3.545% 공제. 소득 비례로 계속 증가하며 상한 없음

장기요양보험

건강보험료의 12.95%

건강보험료를 기준으로 산정. 건강보험료가 높을수록 같이 증가

고용보험

0.9%

월 소득의 0.9% 공제. 실업급여 재원으로 사용

월 실수령액 계산 공식

월 실수령액 = (연봉 ÷ 12) − 국민연금 − 건강보험 − 장기요양 − 고용보험 − 소득세 − 지방소득세

* 지방소득세 = 소득세의 10% / 소득세는 국세청 근로소득 간이세액표 기준

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자주 묻는 질문

연봉 실수령액은 어떻게 계산하나요?+

월 실수령액 = (연봉 ÷ 12) - 국민연금 - 건강보험 - 장기요양보험 - 고용보험 - 소득세 - 지방소득세로 계산합니다. 2026년 기준 국민연금 4.5%, 건강보험 3.545%, 고용보험 0.9%가 공제됩니다.

국민연금은 왜 일정 연봉 이상에서 고정되나요?+

국민연금은 기준소득월액 상한이 있어, 2026년 기준 월 302,570원이 최대 납부액입니다. 연봉 약 7,900만원을 초과하면 국민연금은 더 이상 늘어나지 않습니다.

소득세가 0원인 연봉 구간이 있나요?+

부양가족 1인(본인) 기준으로 연봉 약 1,400만원 이하는 근로소득공제와 인적공제 적용 후 과세표준이 0이 되어 소득세가 면제됩니다.

장기요양보험료는 어떻게 계산하나요?+

장기요양보험료는 건강보험료의 12.95%로 계산됩니다. 건강보험료가 확정된 후 그 금액에 비율을 곱해 산출합니다.

이 계산기는 어떤 기준으로 계산되나요?+

2026년 4대보험 요율(국민연금 4.5%, 건강보험 3.545%, 장기요양 12.95%, 고용보험 0.9%)과 국세청 근로소득 간이세액표를 기준으로 계산됩니다. 부양가족 1인(본인), 비과세 0원 기준이며 실제 급여와 다를 수 있습니다.

안내: 본 계산 결과는 참고용이며, 실제 급여는 회사·관할 기관 기준에 따라 달라질 수 있습니다. 소득세는 국세청 간이세액표 근사값으로 실제 원천징수액과 차이가 있을 수 있습니다.