Korea Take-Home Pay Calculator (2026)
Enter your annual salary to see what lands in your bank account each month. Uses 2026 social insurance rates and the withholding tax table in effect from 1 March 2026, and compares it with the 19% flat tax option for foreign employees.
Result
How your take-home pay is calculated
Your monthly take-home pay is gross monthly pay minus your share of social insurance and income tax. Gross monthly pay is your annual salary divided by 12. Tax-free allowances such as the meal allowance are excluded before insurance and tax are worked out.
Take-home pay = gross monthly pay − (pension + health + long-term care + employment insurance) − (income tax + local income tax)
- National pension: 4.75% of taxable pay, charged on income between ₩410,000 and ₩6,590,000 a month (July 2026 to June 2027).
- Health insurance: 3.595%. Long-term care is 13.14% of the health premium.
- Employment insurance: 0.9%. Mandatory for F-2, F-5 and F-6 visas; many other visas join only if they apply.
- Income tax: from the official simplified withholding table. Local income tax adds 10% of the income tax.
Take-home pay by salary (2026)
Single person, ₩200,000 tax-free meal allowance, standard tax table, fully covered by pension and employment insurance.
| Annual salary | Gross monthly | Insurance | Tax | Take-home |
|---|---|---|---|---|
| ₩24,000,000 | ₩2,000,000 | ₩174,910 | ₩16,620 | ₩1,808,470 |
| ₩26,000,000 | ₩2,166,667 | ₩191,090 | ₩20,260 | ₩1,955,317 |
| ₩28,000,000 | ₩2,333,333 | ₩207,290 | ₩26,070 | ₩2,099,973 |
| ₩30,000,000 | ₩2,500,000 | ₩223,490 | ₩32,070 | ₩2,244,440 |
| ₩32,000,000 | ₩2,666,667 | ₩239,680 | ₩37,730 | ₩2,389,257 |
| ₩34,000,000 | ₩2,833,333 | ₩255,870 | ₩46,480 | ₩2,530,983 |
| ₩36,000,000 | ₩3,000,000 | ₩272,080 | ₩62,480 | ₩2,665,440 |
| ₩38,000,000 | ₩3,166,667 | ₩288,270 | ₩77,550 | ₩2,800,847 |
| ₩40,000,000 | ₩3,333,333 | ₩304,470 | ₩93,080 | ₩2,935,783 |
| ₩42,000,000 | ₩3,500,000 | ₩320,660 | ₩113,040 | ₩3,066,300 |
| ₩44,000,000 | ₩3,666,667 | ₩336,850 | ₩134,560 | ₩3,195,257 |
| ₩46,000,000 | ₩3,833,333 | ₩353,050 | ₩156,070 | ₩3,324,213 |
| ₩48,000,000 | ₩4,000,000 | ₩369,260 | ₩186,180 | ₩3,444,560 |
| ₩50,000,000 | ₩4,166,667 | ₩385,440 | ₩209,680 | ₩3,571,547 |
| ₩52,000,000 | ₩4,333,333 | ₩401,640 | ₩233,170 | ₩3,698,523 |
| ₩54,000,000 | ₩4,500,000 | ₩417,840 | ₩259,610 | ₩3,822,550 |
| ₩56,000,000 | ₩4,666,667 | ₩434,020 | ₩283,100 | ₩3,949,547 |
| ₩58,000,000 | ₩4,833,333 | ₩450,220 | ₩310,380 | ₩4,072,733 |
| ₩60,000,000 | ₩5,000,000 | ₩466,430 | ₩338,160 | ₩4,195,410 |
| ₩65,000,000 | ₩5,416,667 | ₩506,910 | ₩399,870 | ₩4,509,887 |
| ₩70,000,000 | ₩5,833,333 | ₩547,390 | ₩464,660 | ₩4,821,283 |
| ₩75,000,000 | ₩6,250,000 | ₩587,880 | ₩566,470 | ₩5,095,650 |
| ₩80,000,000 | ₩6,666,667 | ₩628,370 | ₩671,250 | ₩5,367,047 |
| ₩85,000,000 | ₩7,083,333 | ₩654,930 | ₩776,030 | ₩5,652,373 |
| ₩90,000,000 | ₩7,500,000 | ₩675,630 | ₩880,810 | ₩5,943,560 |
| ₩95,000,000 | ₩7,916,667 | ₩696,330 | ₩980,600 | ₩6,239,737 |
| ₩100,000,000 | ₩8,333,333 | ₩717,030 | ₩1,085,390 | ₩6,530,913 |
Standard tax or the 19% flat tax?
Foreign employees who started working in Korea on or before 31 December 2026 can choose to pay a flat 19% income tax (20.9% with local tax) for up to 20 years, instead of the normal progressive rates. The flat rate applies to your total pay including tax-free allowances, and you lose all deductions and credits.
| Annual salary | Monthly tax: standard | Monthly tax: 19% flat |
|---|---|---|
| ₩30,000,000 | ₩32,070 | ₩542,040 |
| ₩50,000,000 | ₩209,680 | ₩904,540 |
| ₩80,000,000 | ₩671,250 | ₩1,448,290 |
| ₩120,000,000 | ₩1,586,820 | ₩2,173,300 |
| ₩150,000,000 | ₩2,553,430 | ₩2,717,050 |
| ₩200,000,000 | ₩4,205,270 | ₩3,623,300 |
| ₩300,000,000 | ₩7,618,950 | ₩5,435,810 |
For most people the standard table is cheaper. The flat rate usually starts to pay off only above roughly ₩150–200 million a year, depending on your dependents and deductions. See the flat tax guide for how to apply.
Frequently asked questions
Do foreigners pay the same tax as Koreans?
Yes, by default. Foreign residents use the same withholding table and year-end tax settlement as Korean workers. The only foreigner-specific option is the 19% flat rate, which you can choose if it is cheaper for you.
Why is my payslip slightly different from this result?
Your employer may report a different monthly income for insurance, pay allowances on a different schedule, or use a withholding rate of 80% or 120% that you selected. Bonuses paid in a given month also raise that month's tax.
Do I get the tax back when I leave Korea?
Monthly withholding is an estimate. When you leave mid-year your employer settles your tax for the months you worked, which often produces a small refund. See the leaving Korea checklist.
Is the meal allowance always tax-free?
Up to ₩200,000 a month of meal allowance is tax-free if your company does not also provide free meals. Your contract or payslip should show it as a separate item.
Related guides
Pay & TaxE-2 English Teacher Pay in Korea — Salary, Deductions, Severance and PensionWhat E-2 English teachers in Korea actually take home in 2026: typical salaries, deductions, housing, overtime, severance after a year, and whether you can get your national pension back by nationality.Pay & TaxKorea's 19% Flat Tax for Foreign Workers — Who Benefits and How to ApplyHow the flat 19% income tax option for foreign employees in Korea works in 2026, who is eligible, when it beats the standard tax table, how to apply through your employer, and the proposed change for 2027.Pay & TaxHow to Read a Korean Payslip — Every Line Explained in EnglishA line-by-line English guide to the Korean payslip (geupyeo myeongsereo): base pay, allowances, non-taxable items, the four social insurances, income tax and local income tax.Pay & TaxYear-End Tax Settlement in Korea for Foreigners (Yeonmal Jeongsan)What the January–February year-end tax settlement is, how foreign employees take part, which documents and deductions matter, resident vs non-resident status, and what happens if you leave Korea mid-year.
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