What are the 2026 social insurance rates?

For 2026, National Pension is 4.75% each for employee and employer (9.5% total), Health Insurance is 3.595% each (7.19% total), Long-term Care is 13.14% of health insurance premium, and Employment Insurance employee portion is 0.9%. Employer's employment insurance varies from 0.9% to 1.65% based on company size.

What are the National Pension salary caps?

National Pension contributions have upper and lower salary limits. As of 2026, the upper limit is 6,170,000 KRW per month and the lower limit is 390,000 KRW per month. Income outside this range is capped accordingly.

Why does employment insurance vary by company size?

The employer's share of employment insurance differs by company size due to varying rates for employment stability and job skill development programs. Priority support enterprises pay 0.9%, companies under 150 employees pay 1.15%, 150-999 employees pay 1.35%, and companies with 1,000+ employees pay 1.65%.

Are social insurance premiums deducted from gross salary?

Yes, the employee's share of social insurance premiums is deducted from gross monthly salary. After deducting insurance premiums and income tax, the net take-home pay is disbursed. The employer's share is paid separately by the company.

Social Insurance Calculator - Korean 4 Major Insurance Premiums

Q: What is Korea's Social Insurance (4 Major Insurances)?

Korea's Social Insurance consists of 4 mandatory insurances: National Pension, Health Insurance, Long-term Care Insurance, and Employment Insurance. Both employees and employers share the contribution at specified rates.

What is the Social Insurance Calculator?

Korean social insurance consists of 4 mandatory insurances: National Pension, Health Insurance, Long-term Care Insurance, and Employment Insurance. Both employees and employers contribute a set percentage, deducted monthly from salary.

This calculator uses 2026 rates to automatically compute all 4 insurance premiums based on your monthly salary. It also reflects different employment insurance rates based on company size.

Key Features

2026 Latest Rates

Reflects 2026 rates: National Pension 4.75%, Health 3.595%, Long-term Care 13.14%, Employment 0.9%.

Employee vs Employer

Compare employee and employer contributions side by side.

Company Size Options

Reflects different employment insurance rates by company size.

Net Salary Estimate

Instantly see estimated net salary after all deductions.

How to Use

Enter Salary — Enter your pre-tax monthly salary. Commas are automatically added.
Select Company Size — Choose company size for employment insurance rate.
View Results — Check premiums for each insurance type for employee and employer.
Check Net Salary & Copy — Review total deductions and net salary, copy results to clipboard.

Use Cases

Salary Negotiation

Calculate actual take-home pay during salary negotiations.

Labor Cost Planning

Employers calculate total labor costs including employer contributions.

Job Preparation

New graduates estimate expected salary and insurance deductions.

Job Change Comparison

Compare insurance changes when switching jobs with different salaries.

FAQ

What are the 4 major social insurances in Korea?

They are National Pension, Health Insurance, Long-term Care Insurance, and Employment Insurance. These are mandatory for all employers hiring workers in Korea.

Who pays the premiums?

National Pension, Health Insurance, and Long-term Care are split 50/50 between employee and employer. Employment Insurance is 0.9% for employees, and 0.9%-1.65% for employers depending on company size.

What are the 2026 rates?

National Pension 9.5% (4.75% each), Health 7.19% (3.595% each), Long-term Care 13.14% of health premium, Employment 0.9% for employees.

Is long-term care insurance separate?

Long-term care is calculated as a percentage of health insurance premiums (13.14% in 2026) and paid together with health insurance.

Are these calculations accurate?

This calculator uses standard 2026 rates. Actual premiums may vary based on standard monthly remuneration, caps, and non-taxable items.

Privacy Notice

This social insurance calculator processes all calculations in your browser. Your salary information is never sent to any server and no personal data is stored.