What is "Take-home Pay"?
Take-home pay is the amount deposited into your bank account after deducting social insurance (pension, health, employment, long-term care) and taxes from your gross salary. Also known as 'net salary' or 'after-tax income'.
Example: Annual salary $50,000 → Take-home ~$35,300 (monthly ~$2,940)
💰 Salary Calculator
Monthly Take-home Pay
¥10,043
Annual: ¥120,518
📊 Salary Breakdown
| Gross Monthly | ¥15,000 |
| ━ Deductions | |
| National Pension | -¥871 |
| Health Insurance | -¥218 |
| Long-term Care | -¥450 |
| Employment Insurance | -¥90 |
| Income Tax | -¥2,728 |
| Local Income Tax | -¥600 |
| Total Deductions | -¥4,957 |
| Take-home Pay | ¥10,043 |
📈 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
¥10,043
✨ 33.0% deduction rateMonthly take-home on ¥180,000 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.
💡Check these out next
🎯 Who is this for?
Useful for various situations
Job Change / Salary Negotiation
Understand the real value of job offers and negotiate effectively.
First Job Preparation
Know your actual monthly income and plan your budget.
Marriage / Family Finance
Plan housing and living costs based on combined take-home pay.
Loan Limit Check
Estimate your loan eligibility based on take-home pay.
Expert Tip
Don't just look at the gross salary! Including non-taxable benefits (meal allowance, car maintenance) can significantly affect your take-home pay. A $48,000 salary + $2,400 non-taxable might be better than a $50,000 gross salary after taxes.
— HR Expert Advice
❓ Frequently Asked Questions
On a $50,000 annual salary (single, no dependents), your monthly take-home is about $3,520. Annually, you receive about $42,300 after all deductions. Roughly 15% goes to insurance and taxes.
💡 Having dependents can reduce your tax and increase take-home pay!
National pension 4.5% (capped), health insurance 3.545%, long-term care (12.95% of health), employment insurance 0.9%. Total is about 9.4% of your monthly income.
💡 Your employer pays the same amount - you only pay half!
Common non-taxable items include meal allowance ($200/month), car maintenance ($200/month), childcare allowance for children under 6 ($100/month), and research allowance ($200/month).
💡 Maximize non-taxable benefits during salary negotiations!
Yes! Each dependent provides a $1,500 deduction. This includes spouse, children, and parents (60+). More dependents mean lower income tax and higher take-home pay.
On $100,000 annual salary, you pay about $7,700 in insurance and $11,300 in taxes, totaling $19,000 in deductions. Your take-home is about $81,000/year ($6,750/month).
📌 Key Takeaways
- 📋Take-home = Gross - Social Insurance - Income Tax - Local Tax
- 🏥Social insurance premiums are ~9.4% of monthly income
- 👨👩👧Each dependent saves $1,500 in tax deductions
- 💡Non-taxable benefits (meal, car) increase take-home pay
What is Take-home Pay?
Take-home pay is the amount you actually receive after deducting social insurance premiums and taxes from your gross salary. Many people only consider the pre-tax amount during salary negotiations, but the actual deposited amount can be quite different.
Social Insurance Deductions
- National Pension (4.5%): 4.5% of monthly income, max 265,500 KRW
- Health Insurance (3.545%): 3.545% of monthly income
- Long-term Care Insurance: 12.95% of health insurance
- Employment Insurance (0.9%): 0.9% of monthly income
Income Tax Calculation
Income tax applies progressive rates ranging from 6% to 45% based on taxable income brackets. Various deductions including earned income deduction and personal deductions apply. Local income tax is an additional 10% of income tax.
Salary Negotiation Tips
- Calculate the difference between gross and net salary beforehand
- Maximize non-taxable benefits
- Check bonus and incentive conditions
- Consider the value of benefits
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。