After-Tax Salary Calculator
2026 Net Pay / Take-home Calculator
Calculate your actual take-home pay after all deductions including social insurance and income tax. Get accurate results based on dependents and tax-exempt items.
💰 What is After-Tax Pay?
After-tax pay (net salary) is the amount deposited to your bank account after all deductions (social insurance + income tax + local tax). Even with the same gross salary, net pay varies based on dependents and tax-exempt items.
💰 Salary Calculator
Monthly Take-home Pay
￥271,565
Annual: ￥3,258,782
📊 Salary Breakdown
| Gross Monthly | ￥458,333 |
| ━ Deductions | |
| National Pension | -￥871 |
| Health Insurance | -￥6,646 |
| Long-term Care | -￥13,750 |
| Employment Insurance | -￥2,750 |
| Income Tax | -￥144,418 |
| Local Income Tax | -￥18,333 |
| Total Deductions | -￥186,768 |
| Take-home Pay | ￥271,565 |
📈 Salary Comparison Table
| Annual | Monthly Net | Deduction % |
|---|---|---|
| ￥30,000,000 | ￥2,127,398 | 14.9% |
| ￥40,000,000 | ￥2,836,531 | 14.9% |
| ￥50,000,000 | ￥3,545,663 | 14.9% |
| ￥60,000,000 | ￥3,979,796 | 20.4% |
| ￥70,000,000 | ￥4,643,095 | 20.4% |
| ￥80,000,000 | ￥5,340,895 | 19.9% |
| ￥100,000,000 | ￥6,284,160 | 24.6% |
Salary Calculation Result
￥271,565
✨ 40.7% deduction rateMonthly take-home on ￥5,500,000 annual salary
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Note
This calculator uses a US-style payroll estimate model. Actual take-home pay varies by local law, employer policy, and deductions.
📐 Deduction Items
• National Pension: 4.5% of monthly salary (capped at 6.17M KRW)
• Health Insurance: 3.545% + Long-term Care (12.95% of health)
• Employment Insurance: 0.9%
• Income Tax: Progressive rates 6-45%
📝 How to Calculate After-Tax Pay
- Enter your annual or monthly salary
- Enter number of dependents (starting from 1 for yourself)
- Enter tax-exempt amounts (meal allowance, transport)
- Click calculate
- Review detailed deduction breakdown
📊 2026 After-Tax Pay by Salary (Single)
| Annual | Monthly | Insurance | Tax | Net Monthly | Net Annual |
|---|---|---|---|---|---|
| $30K | $2.5K | $233 | $21 | $2.25K | $27K |
| $40K | $3.3K | $310 | $85 | $2.9K | $35K |
| $50K | $4.2K | $388 | $195 | $3.6K | $43K |
| $60K | $5K | $465 | $348 | $4.2K | $50K |
| $70K | $5.8K | $543 | $542 | $4.7K | $57K |
| $80K | $6.7K | $608 | $755 | $5.3K | $64K |
| $100K | $8.3K | $675 | $1.26K | $6.4K | $77K |
💡 Ways to Increase Net Pay
- Meal allowance tax exemption (up to 200K/month)
- Transportation allowance exemption (up to 200K/month)
- Pension savings tax credit (up to 7M/year)
- Credit card deductions
- Dependent deductions (spouse, children, parents)
📚 国別の計算ガイド
計算ロジック
金融・ローン・比率・単位変換の公開標準を使用します。
参照範囲
公開された基準と各国で一般的な運用慣行を参照します。
前提条件
税率・手数料・上限は地域や金融機関で異なります。
結果の読み方
結果は基準シナリオとして活用してください。最終判断前に金融機関見積と税務条件を比較してください。
ロケール既定値
通貨: JPY
単位: metric
税計算モデル: US payroll estimate
法規上の注意
本ツールは国別プリセットによる概算です。実際の契約条件や法的上限は金融機関・地域法令により異なる場合があります。
推奨アクション
- 申込前に最低2〜3社の条件を比較してください。
- 手数料・税務・繰上返済条項を書面で再確認してください。
- 金利+1〜2%と収入減少のストレスケースも確認してください。
実際の契約前に、必ず現地機関の最新条件を確認してください。