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
¥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.
📐 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)
📚 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。