National Pension Estimate Table
National Pension Estimate Table helps you review pension estimate table references for long-term income planning.
- Finance, tax, salary, and settlement outputs are simple estimates from your inputs. Check official rules or a professional before filing, investing, borrowing, or contracting.
National Pension Estimate Table helps you review pension estimate table references for long-term income planning.
Example National Pension Estimate Table result Monthly contribution: worker 142,500 / employer 142,500 Estimated monthly pension: about 1,007,210 (today's money) Next step: Confirm the final amount with the NPS estimate, which uses your actual contribution record.
How to use National Pension Estimate Table
Calculates 2026 National Pension contributions and an estimated old-age pension in today's money from income, start year and total contribution years.
The basic pension equals the replacement constant × (A + B) × (1 + 0.05 × (months − 240) ÷ 12), weighting each contribution year's replacement rate (43% from 2026).
- Enter gross monthly income as the standard monthly income.
- Add the year you first contributed and the total years you expect to contribute.
- Choose employee or regional/voluntary subscriber and, if needed, early or deferred claiming.
- Review monthly contributions, the estimated monthly pension and the comparison by contribution years.
Useful for
- Checking the monthly contribution after the 2026 rate increase
- Comparing how longer contributions or deferred claiming change the pension
Limits and checks
- Earlier contribution years used higher replacement rates, so joining earlier raises the pension for the same income.
- An old-age pension requires at least ten years of contributions; otherwise a lump-sum refund applies.
Worked example
KRW 3 million income, 30 years planned
Monthly income: 3,000,000 Start year: 2015 Total contribution years: 30 Subscriber type: employee
Years 2015-2025 use their historical replacement rates; later years use 43%.
Contributions and estimated pension
Monthly contribution: worker 142,500 / employer 142,500 Estimated monthly pension: about 1,007,210 (today's money)
The future A value at claiming and inflation are not applied.
Common issues
The result differs from the NPS estimate
This estimate skips income revaluation, credits and back payments. Check your record in the NPS pension estimate service.
Contributions stop rising with higher income
Income above the KRW 6.59 million standard-income ceiling (from July 2026) is not charged.
How to interpret the result
Use the comparison table to see pensions at 10, 20, 30 and 40 years of contributions.
Related workflow
Confirm the final amount with the NPS estimate, which uses your actual contribution record.
Privacy and review notes
Income and contribution details are calculated locally and kept only in the page address for sharing; nothing is sent to ToolBada.
Basis and limitations
Basis
- The tool applies user-entered amounts, periods, rates, and selected conditions to the calculation described on the page.
- The displayed result is a reference estimate based on that tool's formula and stated input assumptions.
Limitations
- Actual tax rules, deductions, exchange rates, fees, institution policies, and market prices can change by date and personal case.
- Do not use the output as the final basis for filing, investing, borrowing, contracting, salary negotiation, or legal commitments.
Official check
- Before filing or making financial decisions, verify with official agencies, financial institutions, exchanges, or qualified experts.
References and methodology
- Official external source: National Pension Service — The official source for pension contribution rates, income ceilings and personal pension estimates.
- Official external source: FSS Financial Consumer Information Portal — The Financial Supervisory Service portal for final checks on financial products and transactions.
Review scope: We automatically check that the calculation basis and official source links are shown. No licensed medical, legal, or tax professional has reviewed this result individually, so confirm with the responsible agency or a professional before an important decision.
FAQ
What is the 2026 contribution rate?
It is 9.5%. Employees and employers each pay 4.75%, while regional and voluntary subscribers pay it all. The rate rises 0.5 point a year to 13% by 2033.
What are the A and B values?
A is the average monthly income of all subscribers over the three years before payment (KRW 3,193,511 in 2026); B is your own average monthly income over your contributions.
How does early or deferred claiming change it?
Early claiming cuts 6% per year, 30% for five years; deferring adds 7.2% per year, 36% for five years.