Korean paychecks deduct the employee share of the four social insurances: national pension, health insurance, long-term care (as a percentage of the health premium), and employment insurance. Industrial-accident insurance is employer-only. Every rate here is an input. The pre-filled numbers are illustrative 2025-style employee shares — they are not official 2026 rates.
Employee 4대보험 total17,697
Pay after 4대보험 (before income tax)-14,697
National pension (employee)17,550
Health insurance (employee)106
Long-term care14
Employment insurance (employee)27
NPS contribution base390,000
How this calculation works
National pension (NPS): employee rate × pension base. The base is monthly pay clamped between the 기준소득월액 floor and ceiling you enter (defaults match the 2025 published band: ₩390,000–₩6,370,000). Employer matches the employee NPS rate.
Health insurance (NHI): employee rate × monthly pay (this sketch does not apply a separate NHI ceiling unless you lower the rate yourself). Long-term care is ltcRate × the health premium, which is how NHIS bills 장기요양.
Employment insurance (실업급여 근로자 부담): employee uiRate × monthly pay. Workers’ compensation (산재) is not deducted from the employee here (rate 0).
Edit any rate. Label on this page: illustrative 2025-style employee shares — verify with NPS, NHIS, and the Ministry of Employment for the year you are in. This is not a payslip and omits income tax.
Worked example
Monthly ₩3,000,000 with 2025-style defaults: NPS 4.5% = ₩135,000; NHI 3.545% = ₩106,350; LTC 12.95% of NHI ≈ ₩13,772; UI 0.9% = ₩27,000; employee total ≈ ₩282,122; pay after the four ≈ ₩2,717,878 (still before income tax).
Frequently asked questions
Are these official 2026 rates?
No. Defaults are illustrative 2025-style employee shares (NPS 4.5%, NHI 3.545%, LTC 12.95% of NHI, UI 0.9%, NPS band ₩390,000–₩6,370,000 as published for 2025). Type the current-year figures from NPS/NHIS/MOEL if they have changed.
Why can I edit the rates?
Because statutory rates and ceilings change, and this site will not invent unofficial 2026 tables. The math is rate × base; you supply the rate.
Is 산재 included?
Workers’ compensation is paid by the employer, not the employee. The employee total here is pension + health + long-term care + employment insurance.
Does this include income tax?
No. Use the take-home pay calculator for a rough tax bite. Four insurances and 소득세 are separate lines on a Korean payslip.
What is the NPS ceiling for?
Pension contributions apply only up to 기준소득월액. Pay above the ceiling still gets health and UI in this sketch, but NPS uses the capped base. Confirm the year’s band on the NPS site.
Employer cost?
Employer typically matches NPS and NHI, pays UI (including employer-only parts such as 고용안정), and pays 산재. This page is the employee column only.