연봉별 실수령액 표 & 실수령액 계산기 – 2025년 기준

연봉별 월 실수령표

연봉	월 실수령	공제합계	국민연금	건강보험	장기요양	고용보험	소득세	지방소득세
10,000,000	774,132	59,201	28,500	22,135	2,866	5,700	0	0
11,000,000	849,676	66,991	32,250	25,048	3,244	6,450	0	0
12,000,000	925,219	74,781	36,000	27,960	3,621	7,200	0	0
13,000,000	1,000,763	82,570	39,750	30,873	3,998	7,950	0	0
14,000,000	1,076,307	90,360	43,500	33,785	4,375	8,700	0	0
15,000,000	1,151,850	98,150	47,250	36,698	4,752	9,450	0	0
16,000,000	1,227,394	105,939	51,000	39,610	5,129	10,200	0	0
17,000,000	1,302,938	113,729	54,750	42,523	5,507	10,950	0	0
18,000,000	1,378,481	121,519	58,500	45,435	5,884	11,700	0	0
19,000,000	1,454,025	129,309	62,250	48,348	6,261	12,450	0	0
20,000,000	1,529,568	137,098	66,000	51,260	6,638	13,200	0	0
21,000,000	1,605,112	144,888	69,750	54,173	7,015	13,950	0	0
22,000,000	1,680,656	152,678	73,500	57,085	7,393	14,700	0	0
23,000,000	1,756,199	160,467	77,250	59,998	7,770	15,450	0	0
24,000,000	1,831,743	168,257	81,000	62,910	8,147	16,200	0	0
25,000,000	1,907,287	176,047	84,750	65,823	8,524	16,950	0	0
26,000,000	1,982,830	183,836	88,500	68,735	8,901	17,700	0	0
27,000,000	2,058,374	191,626	92,250	71,648	9,278	18,450	0	0
28,000,000	2,133,918	199,416	96,000	74,560	9,656	19,200	0	0
29,000,000	2,209,461	207,205	99,750	77,473	10,033	19,950	0	0
30,000,000	2,285,005	214,995	103,500	80,385	10,410	20,700	0	0
31,000,000	2,360,549	222,785	107,250	83,298	10,787	21,450	0	0
32,000,000	2,436,092	230,574	111,000	86,210	11,164	22,200	0	0
33,000,000	2,511,636	238,364	114,750	89,123	11,541	22,950	0	0
34,000,000	2,587,180	246,154	118,500	92,035	11,919	23,700	0	0
35,000,000	2,662,723	253,943	122,250	94,948	12,296	24,450	0	0
36,000,000	2,738,267	261,733	126,000	97,860	12,673	25,200	0	0
37,000,000	2,813,811	269,523	129,750	100,773	13,050	25,950	0	0
38,000,000	2,889,354	277,312	133,500	103,685	13,427	26,700	0	0
39,000,000	2,964,898	285,102	137,250	106,598	13,804	27,450	0	0
40,000,000	3,040,442	292,892	141,000	109,510	14,182	28,200	0	0
41,000,000	3,115,985	300,681	144,750	112,423	14,559	28,950	0	0
42,000,000	3,191,529	308,471	148,500	115,335	14,936	29,700	0	0
43,000,000	3,267,073	316,261	152,250	118,248	15,313	30,450	0	0
44,000,000	3,342,616	324,050	156,000	121,160	15,690	31,200	0	0
45,000,000	3,418,160	331,840	159,750	124,073	16,067	31,950	0	0
46,000,000	3,493,704	339,630	163,500	126,985	16,445	32,700	0	0
47,000,000	3,569,247	347,419	167,250	129,898	16,822	33,450	0	0
48,000,000	3,644,791	355,209	171,000	132,810	17,199	34,200	0	0
49,000,000	3,720,335	362,999	174,750	135,723	17,576	34,950	0	0
50,000,000	3,795,878	370,788	178,500	138,635	17,953	35,700	0	0
51,000,000	3,871,422	378,578	182,250	141,548	18,330	36,450	0	0
52,000,000	3,946,966	386,368	186,000	144,460	18,708	37,200	0	0
53,000,000	4,022,509	394,157	189,750	147,373	19,085	37,950	0	0
54,000,000	4,098,053	401,947	193,500	150,285	19,462	38,700	0	0
55,000,000	4,173,597	409,737	197,250	153,198	19,839	39,450	0	0
56,000,000	4,249,140	417,526	201,000	156,110	20,216	40,200	0	0
57,000,000	4,324,684	425,316	204,750	159,023	20,593	40,950	0	0
58,000,000	4,400,228	433,106	208,500	161,935	20,971	41,700	0	0
59,000,000	4,475,771	440,895	212,250	164,848	21,348	42,450	0	0
60,000,000	4,551,315	448,685	216,000	167,760	21,725	43,200	0	0
61,000,000	4,626,859	456,475	219,750	170,673	22,102	43,950	0	0
62,000,000	4,702,402	464,264	223,500	173,585	22,479	44,700	0	0
63,000,000	4,777,946	472,054	227,250	176,498	22,856	45,450	0	0
64,000,000	4,853,490	479,844	231,000	179,410	23,234	46,200	0	0
65,000,000	4,929,033	487,633	234,750	182,323	23,611	46,950	0	0
66,000,000	5,004,577	495,423	238,500	185,235	23,988	47,700	0	0
67,000,000	5,080,121	503,213	242,250	188,148	24,365	48,450	0	0
68,000,000	5,155,664	511,002	246,000	191,060	24,742	49,200	0	0
69,000,000	5,231,208	518,792	249,750	193,973	25,119	49,950	0	0
70,000,000	5,306,752	526,582	253,500	196,885	25,497	50,700	0	0
71,000,000	5,382,295	534,371	257,250	199,798	25,874	51,450	0	0
72,000,000	5,457,839	542,161	261,000	202,710	26,251	52,200	0	0
73,000,000	5,533,383	549,951	264,750	205,623	26,628	52,950	0	0
74,000,000	5,608,926	557,740	268,500	208,535	27,005	53,700	0	0
75,000,000	5,684,470	565,530	272,250	211,448	27,382	54,450	0	0
76,000,000	5,760,014	573,320	276,000	214,360	27,760	55,200	0	0
77,000,000	5,835,557	581,109	279,750	217,273	28,137	55,950	0	0
78,000,000	5,911,101	588,899	283,500	220,185	28,514	56,700	0	0
79,000,000	5,987,245	596,089	286,650	223,098	28,891	57,450	0	0
80,000,000	6,066,538	600,128	286,650	226,010	29,268	58,200	0	0
81,000,000	6,145,832	604,168	286,650	228,923	29,645	58,950	0	0
82,000,000	6,225,126	608,208	286,650	231,835	30,023	59,700	0	0
83,000,000	6,304,419	612,247	286,650	234,748	30,400	60,450	0	0
84,000,000	6,383,713	616,287	286,650	237,660	30,777	61,200	0	0
85,000,000	6,463,007	620,327	286,650	240,573	31,154	61,950	0	0
86,000,000	6,542,300	624,366	286,650	243,485	31,531	62,700	0	0
87,000,000	6,621,594	628,406	286,650	246,398	31,908	63,450	0	0
88,000,000	6,700,888	632,446	286,650	249,310	32,286	64,200	0	0
89,000,000	6,780,181	636,485	286,650	252,223	32,663	64,950	0	0
90,000,000	6,859,475	640,525	286,650	255,135	33,040	65,700	0	0
91,000,000	6,938,769	644,565	286,650	258,048	33,417	66,450	0	0
92,000,000	7,018,062	648,604	286,650	260,960	33,794	67,200	0	0
93,000,000	7,097,356	652,644	286,650	263,873	34,171	67,950	0	0
94,000,000	7,176,650	656,684	286,650	266,785	34,549	68,700	0	0
95,000,000	7,255,943	660,723	286,650	269,698	34,926	69,450	0	0
96,000,000	7,335,237	664,763	286,650	272,610	35,303	70,200	0	0
97,000,000	7,414,531	668,803	286,650	275,523	35,680	70,950	0	0
98,000,000	7,493,824	672,842	286,650	278,435	36,057	71,700	0	0
99,000,000	7,573,118	676,882	286,650	281,348	36,435	72,450	0	0
100,000,000	7,652,412	680,922	286,650	284,260	36,812	73,200	0	0
101,000,000	7,731,705	684,961	286,650	287,173	37,189	73,950	0	0
102,000,000	7,810,999	689,001	286,650	290,085	37,566	74,700	0	0
103,000,000	7,890,293	693,041	286,650	292,998	37,943	75,450	0	0
104,000,000	7,969,586	697,080	286,650	295,910	38,320	76,200	0	0
105,000,000	8,048,880	701,120	286,650	298,823	38,698	76,950	0	0
106,000,000	8,128,174	705,160	286,650	301,735	39,075	77,700	0	0
107,000,000	8,207,467	709,199	286,650	304,648	39,452	78,450	0	0
108,000,000	8,286,761	713,239	286,650	307,560	39,829	79,200	0	0
109,000,000	8,366,055	717,279	286,650	310,473	40,206	79,950	0	0
110,000,000	8,445,348	721,318	286,650	313,385	40,583	80,700	0	0
111,000,000	8,524,642	725,358	286,650	316,298	40,961	81,450	0	0
112,000,000	8,603,936	729,398	286,650	319,210	41,338	82,200	0	0
113,000,000	8,683,229	733,437	286,650	322,123	41,715	82,950	0	0
114,000,000	8,762,523	737,477	286,650	325,035	42,092	83,700	0	0
115,000,000	8,841,817	741,517	286,650	327,948	42,469	84,450	0	0
116,000,000	8,921,110	745,556	286,650	330,860	42,846	85,200	0	0
117,000,000	9,000,404	749,596	286,650	333,773	43,224	85,950	0	0
118,000,000	9,079,698	753,636	286,650	336,685	43,601	86,700	0	0
119,000,000	9,158,991	757,675	286,650	339,598	43,978	87,450	0	0
120,000,000	7,552,645	2,447,355	286,650	342,510	44,355	88,200	1,532,400	153,240
121,000,000	7,600,623	2,482,711	286,650	345,423	44,732	88,950	1,560,869	156,087
122,000,000	7,648,600	2,518,066	286,650	348,335	45,109	89,700	1,589,338	158,934
123,000,000	7,696,201	2,553,799	286,650	351,248	45,487	90,450	1,618,150	161,815
124,000,000	7,744,179	2,589,155	286,650	354,160	45,864	91,200	1,646,619	164,662
125,000,000	7,792,156	2,624,510	286,650	357,073	46,241	91,950	1,675,088	167,509
126,000,000	7,839,757	2,660,243	286,650	359,985	46,618	92,700	1,703,900	170,390
127,000,000	7,887,735	2,695,599	286,650	362,898	46,995	93,450	1,732,369	173,237
128,000,000	7,935,712	2,730,954	286,650	365,810	47,372	94,200	1,760,838	176,084
129,000,000	7,983,313	2,766,687	286,650	368,723	47,750	94,950	1,789,650	178,965
130,000,000	8,031,291	2,802,043	286,650	371,635	48,127	95,700	1,818,119	181,812
131,000,000	8,079,268	2,837,398	286,650	374,548	48,504	96,450	1,846,588	184,659
132,000,000	8,126,869	2,873,131	286,650	377,460	48,881	97,200	1,875,400	187,540
133,000,000	8,174,847	2,908,487	286,650	380,373	49,258	97,950	1,903,869	190,387
134,000,000	8,222,824	2,943,842	286,650	383,285	49,635	98,700	1,932,338	193,234
135,000,000	8,270,425	2,979,575	286,650	386,198	50,013	99,450	1,961,150	196,115
136,000,000	8,318,403	3,014,931	286,650	389,110	50,390	100,200	1,989,619	198,962
137,000,000	8,366,380	3,050,286	286,650	392,023	50,767	100,950	2,018,088	201,809
138,000,000	8,413,981	3,086,019	286,650	394,935	51,144	101,700	2,046,900	204,690
139,000,000	8,461,959	3,121,375	286,650	397,848	51,521	102,450	2,075,369	207,537
140,000,000	8,509,936	3,156,730	286,650	400,760	51,898	103,200	2,103,838	210,384
141,000,000	8,557,537	3,192,463	286,650	403,673	52,276	103,950	2,132,650	213,265
142,000,000	8,605,515	3,227,819	286,650	406,585	52,653	104,700	2,161,119	216,112
143,000,000	8,653,492	3,263,174	286,650	409,498	53,030	105,450	2,189,588	218,959
144,000,000	8,701,093	3,298,907	286,650	412,410	53,407	106,200	2,218,400	221,840
145,000,000	8,749,071	3,334,263	286,650	415,323	53,784	106,950	2,246,869	224,687
146,000,000	8,797,048	3,369,618	286,650	418,235	54,161	107,700	2,275,338	227,534
147,000,000	8,844,649	3,405,351	286,650	421,148	54,539	108,450	2,304,150	230,415
148,000,000	8,892,627	3,440,707	286,650	424,060	54,916	109,200	2,332,619	233,262
149,000,000	8,940,604	3,476,062	286,650	426,973	55,293	109,950	2,361,088	236,109
150,000,000	8,988,205	3,511,795	286,650	429,885	55,670	110,700	2,389,900	238,990
151,000,000	9,036,183	3,547,151	286,650	432,798	56,047	111,450	2,418,369	241,837
152,000,000	9,084,160	3,582,506	286,650	435,710	56,424	112,200	2,446,838	244,684
153,000,000	9,131,761	3,618,239	286,650	438,623	56,802	112,950	2,475,650	247,565
154,000,000	9,179,739	3,653,595	286,650	441,535	57,179	113,700	2,504,119	250,412
155,000,000	9,227,716	3,688,950	286,650	444,448	57,556	114,450	2,532,588	253,259
156,000,000	9,275,317	3,724,683	286,650	447,360	57,933	115,200	2,561,400	256,140
157,000,000	9,323,295	3,760,039	286,650	450,273	58,310	115,950	2,589,869	258,987
158,000,000	9,371,272	3,795,394	286,650	453,185	58,687	116,700	2,618,338	261,834
159,000,000	9,418,873	3,831,127	286,650	456,098	59,065	117,450	2,647,150	264,715
160,000,000	9,466,851	3,866,483	286,650	459,010	59,442	118,200	2,675,619	267,562
161,000,000	9,514,828	3,901,838	286,650	461,923	59,819	118,950	2,704,088	270,409
162,000,000	9,562,429	3,937,571	286,650	464,835	60,196	119,700	2,732,900	273,290
163,000,000	9,610,407	3,972,927	286,650	467,748	60,573	120,450	2,761,369	276,137
164,000,000	9,658,384	4,008,282	286,650	470,660	60,950	121,200	2,789,838	278,984
165,000,000	9,705,985	4,044,015	286,650	473,573	61,328	121,950	2,818,650	281,865
166,000,000	9,753,963	4,079,371	286,650	476,485	61,705	122,700	2,847,119	284,712
167,000,000	9,801,940	4,114,726	286,650	479,398	62,082	123,450	2,875,588	287,559
168,000,000	9,849,541	4,150,459	286,650	482,310	62,459	124,200	2,904,400	290,440
169,000,000	9,894,835	4,188,499	286,650	485,223	62,836	124,950	2,935,309	293,531
170,000,000	9,940,128	4,226,538	286,650	488,135	63,213	125,700	2,966,218	296,622
171,000,000	9,985,012	4,264,988	286,650	491,048	63,591	126,450	2,997,500	299,750
172,000,000	10,030,306	4,303,028	286,650	493,960	63,968	127,200	3,028,409	302,841
173,000,000	10,075,599	4,341,067	286,650	496,873	64,345	127,950	3,059,318	305,932
174,000,000	10,120,483	4,379,517	286,650	499,785	64,722	128,700	3,090,600	309,060
175,000,000	10,165,777	4,417,557	286,650	502,698	65,099	129,450	3,121,509	312,151
176,000,000	10,211,070	4,455,596	286,650	505,610	65,476	130,200	3,152,418	315,242
177,000,000	10,255,954	4,494,046	286,650	508,523	65,854	130,950	3,183,700	318,370
178,000,000	10,301,248	4,532,086	286,650	511,435	66,231	131,700	3,214,609	321,461
179,000,000	10,346,541	4,570,126	286,650	514,348	66,608	132,450	3,245,518	324,552
180,000,000	10,391,425	4,608,575	286,650	517,260	66,985	133,200	3,276,800	327,680
181,000,000	10,436,718	4,646,615	286,650	520,173	67,362	133,950	3,307,709	330,771
182,000,000	10,482,012	4,684,655	286,650	523,085	67,740	134,700	3,338,618	333,862
183,000,000	10,526,896	4,723,104	286,650	525,998	68,117	135,450	3,369,900	336,990
184,000,000	10,572,189	4,761,144	286,650	528,910	68,494	136,200	3,400,809	340,081
185,000,000	10,617,483	4,799,184	286,650	531,823	68,871	136,950	3,431,718	343,172
186,000,000	10,662,367	4,837,633	286,650	534,735	69,248	137,700	3,463,000	346,300
187,000,000	10,707,660	4,875,673	286,650	537,648	69,625	138,450	3,493,909	349,391
188,000,000	10,752,954	4,913,713	286,650	540,560	70,003	139,200	3,524,818	352,482
189,000,000	10,797,838	4,952,162	286,650	543,473	70,380	139,950	3,556,100	355,610
190,000,000	10,843,131	4,990,202	286,650	546,385	70,757	140,700	3,587,009	358,701
191,000,000	10,888,425	5,028,242	286,650	549,298	71,134	141,450	3,617,918	361,792
192,000,000	10,933,309	5,066,691	286,650	552,210	71,511	142,200	3,649,200	364,920
193,000,000	10,978,602	5,104,731	286,650	555,123	71,888	142,950	3,680,109	368,011
194,000,000	11,023,896	5,142,771	286,650	558,035	72,266	143,700	3,711,018	371,102
195,000,000	11,068,780	5,181,220	286,650	560,948	72,643	144,450	3,742,300	374,230
196,000,000	11,114,073	5,219,260	286,650	563,860	73,020	145,200	3,773,209	377,321
197,000,000	11,159,367	5,257,300	286,650	566,773	73,397	145,950	3,804,118	380,412
198,000,000	11,204,251	5,295,749	286,650	569,685	73,774	146,700	3,835,400	383,540
199,000,000	11,249,544	5,333,789	286,650	572,598	74,151	147,450	3,866,309	386,631
200,000,000	11,294,838	5,371,829	286,650	575,510	74,529	148,200	3,897,218	389,722

“실수령액 표”를 찾아보신 적 있으신가요? 연봉에 따라 실제로 받게 되는 금액, 즉 실수령액은 세금과 각종 공제를 감안해야 알 수 있습니다. 특히 매년 달라지는 4대 보험 요율과 소득세 공제 방식, 간이세액표 등은 실수령액에 직접적인 영향을 줍니다.

그래서 이번 글에서는 2025년 기준을 반영한 실수령액 계산기를 통해 연봉에 따른 실제 받게 되는 월급(세후 금액)을 확인할 수 있도록 했습니다. 이 계산기를 바탕으로 만든 연봉 실수령액 표도 함께 제공합니다.

단, 실제 계산에는 각종 수당이나 비과세 항목 등 더 많은 요소가 반영될 수 있기 때문에 완전히 일치하진 않을 수 있습니다. 하지만 일반적인 상황에서는 매우 유사한 결과를 확인하실 수 있습니다.

실수령액이란?

실수령액이란 매달 지급되는 월급 중에서 세금과 4대 보험을 제외하고 실제로 입금되는 금액을 말합니다. 흔히 말하는 ‘연봉 5천만원’은 세전 금액이기 때문에, 세후 월급과는 차이가 있습니다.

실수령액 계산 기준 항목

2025년 기준 실수령액은 아래 항목들을 공제한 뒤 산출됩니다:

부양가족 0명 기준, 퇴직금 별도 기준, 비과세액 200,000원 기준
국민연금: 4.5% (상한액, 하한액 적용)
건강보험: 6.99%의 절반 → 3.495% (개인 부담 기준, 하한/상한액 적용)
장기요양보험: 건강보험의 12.95%
고용보험: 0.9%
소득세 & 지방소득세: 간이세액표 및 누진세율 적용 – 홈택스 근로소득간이세액표

실수령액 계산 방식

계산 방식은 연봉에 따라 다르게 나뉩니다:

월세전소득 1,000만원 이하 → 국세청 고시 간이세액표(JSON 기반)
월세전소득 1,000만원 초과 → 누진 공제 방식을 통한 수식 계산

자동으로 이 기준을 인식하여 정확한 실수령액을 계산합니다.

예시: 연봉 5천만원 실수령액은?

항목	금액(원)
월 실수령액	3,556,826원
국민연금	178,500원
건강보험	138,635원
장기요양보험	17,953원
고용보험	35,700원
소득세	217,320원
지방소득세	21,732원

연봉별 실수령액 표 (1,000만 ~ 2억)

실수령액 표도 위에 추가 되어 있습니다.

누구에게 유용할까요?

연봉 협상 중인 직장인
이직 준비 중인 이들
프리랜서/계약직 근로자
실제 월급을 알고 싶은 사회초년생

실시간 실수령액 계산기 이용하기

지금 바로 글 맨 위에 있는 계산기를 통해 연봉을 입력하고 실제 수령액을 확인해보세요!

마무리하며

위의 ‘월 실수령액 계산기’는 4대 보험과 소득세·지방소득세만 반영한 기본 계산식입니다.
실제 급여명세서에는 아래와 같은 추가 항목들이 포함되거나 차감되어, 입금액이 달라질 수 있으니 대략적인 참고용으로만 활용해 주세요.

법정·의무 공제 외 항목
- 퇴직연금(DC/DB) 적립금 및 개인형 퇴직연금(IRP)/연금저축 납입액
- 산재보험 (일부 업종·규모에 따라 근로자 부담 발생)
- 노동조합비·사내 저축 등 사내 자율 공제
비과세 수당·복리후생
- 식대·교통비·통신비 등 비과세 한도 내 수당
- 유류비·주택자금 지원·사내 카페/헬스장 이용권 등
- 복지포인트 사용액
성과급·상여금·퇴직금
- 인센티브·성과급 (별도 세율 적용)
- 연말 상여금·중도 퇴사 시 부분 퇴직금
기타 개별 공제·수령액 변동 요인
- 개인 대출 이자 상환액, 의료비/교육비 등 추가 세액공제 반영
- 출장비·교통비 정산, 선지급 항목 상계

이 계산기는 기본 공제만을 고려하므로,
실제 통장 입금액은 위에 나열된 다양한 추가 공제·수당·보너스 등에 따라 달라질 수 있습니다.