Korea Social Insurance Calculator (2026)

How to use Korea Social Insurance Calculator (2026)

Splits Korea's four social insurance contributions plus industrial accident insurance between worker and employer from monthly pay and company size.

It uses 2026 rates: pension 9.5%, health 7.19%, long-term care 0.9448%, employment insurance 0.9% for workers, size-based employer training levies and the 1.47% average accident rate.

• Enter monthly pay excluding non-taxable items.
• Choose the company size to set the employer's extra employment insurance rate.
• Change the accident insurance rate in advanced settings if you know your industry rate.
• Review worker and employer totals and the split table by insurance.

Useful for

• Estimating employer labor costs beyond salary when hiring
• Checking each insurance deduction on a payslip

Limits and checks

• Accident insurance is paid entirely by the employer and varies by industry, so check the published industry rate.
• National Pension stops rising above the KRW 6.59 million standard-income ceiling.

Worked example

KRW 3 million at a firm under 150 staff

Monthly pay: 3,000,000
Company size: under 150 employees
Accident insurance rate: 1.47%

The employer pays 0.9% plus 0.25% for employment insurance.

Contribution split

Worker share: 291,520
Employer share: 343,120 (accident insurance 44,100 included)
Total: 634,640

Each item is truncated below ten won.

Common issues

The employer's employment insurance exceeds the worker's

Employers add a 0.25-0.85% job stability and training levy to the 0.9% unemployment rate. Check the company size.

Accident insurance differs from the actual bill

The default is the 1.47% average. Use your industry rate, and note that bills follow declared total wages.

How to interpret the result

Compare each worker and employer amount with the payroll ledger.

Related workflow

Continue with the take-home pay calculator to subtract income tax as well.

Privacy and review notes

Pay, company size and rates are calculated locally in your browser and stored only in the page address; ToolBada receives nothing.

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: Korea Four Major Social Insurance Information Center — The joint official portal for pension, health, employment and industrial accident insurance rates and filings.
• 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.

Verification label: The build automatically checks risk classification, required evidence fields, and official-link format. This does not mean a licensed medical, legal, tax, or other professional individually reviewed the tool output.

FAQ

What are the 2026 rates?

Pension 9.5% (4.75% each), health 7.19% (3.595% each), long-term care 0.9448% (13.14% of health, split), employment 0.9% for workers and 1.15-1.75% for employers, accident insurance by industry (average 1.47%, employer only).

What does a worker earning KRW 3 million pay?

Pension 142,500, health 107,850, long-term care 14,170 and employment insurance 27,000, about 291,520 in total.

Are part-time workers covered?

Workers under 60 hours a month may be excluded from pension and health insurance, but employment and accident insurance generally apply.