연봉 실수령액 계산법
높은 연봉으로 회사와 계약을 맺는다고 하더라도 내 연봉은 실제로 훨씬 작습니다 ㅜㅜ 세금을 내고 나면 연봉은 급격하게 줄어들어버리죠. 연봉 실수령액은 어떻게 계산할까요??
연봉 실수령액은 아래와 같은 식으로 계산했습니다. 아래의 금액은 4대 보험의 경우 기업과 절반씩 나눠 내는 것도 고려된 금액입니다.
- 국민연금 : 월 소득액의 4.5%
- 건강보험 : 월 소득액의 3.335%
- 장기요양 : 건강보험료의 10.25%
- 고용보험 : 월 소득액의 0.8%
- 소득세 : 국세청의 간이세액표 기준으로 공제
- 지방 소득세 : 소득세의 약 10%
위와 같은 계산법을 이용하여 엑셀에 2020년의 실제 수령액을 계산해보았습니다. 실제와 다소 다를 수 있습니다.
실수령액 표
| 연봉 | 월급 실수령액 | 공제액계 | 국민연금 | 건강보험 | 장기요양 | 고용보험 | 소득세 | 지방소득세 |
|---|---|---|---|---|---|---|---|---|
| 10,000,000 | 758,526 | 74,807 | 37,500 | 27,792 | 2,849 | 6,667 | 0 | 0 |
| 11,000,000 | 834,379 | 82,288 | 41,250 | 30,571 | 3,134 | 7,333 | 0 | 0 |
| 12,000,000 | 910,232 | 89,768 | 45,000 | 33,350 | 3,418 | 8,000 | 0 | 0 |
| 13,000,000 | 985,174 | 98,159 | 48,750 | 36,129 | 3,703 | 8,667 | 830 | 80 |
| 14,000,000 | 1,059,647 | 107,020 | 52,500 | 38,908 | 3,988 | 9,333 | 2,090 | 200 |
| 15,000,000 | 1,134,110 | 115,890 | 56,250 | 41,688 | 4,273 | 10,000 | 3,350 | 330 |
| 16,000,000 | 1,208,572 | 124,761 | 60,000 | 44,467 | 4,558 | 10,667 | 4,610 | 460 |
| 17,000,000 | 1,282,545 | 134,122 | 63,750 | 47,246 | 4,843 | 11,333 | 6,320 | 630 |
| 18,000,000 | 1,356,387 | 143,613 | 67,500 | 50,025 | 5,128 | 12,000 | 8,150 | 810 |
| 19,000,000 | 1,430,240 | 153,093 | 71,250 | 52,804 | 5,412 | 12,667 | 9,970 | 990 |
| 20,000,000 | 1,504,093 | 162,574 | 75,000 | 55,583 | 5,697 | 13,333 | 11,790 | 1,170 |
| 21,000,000 | 1,577,935 | 172,065 | 78,750 | 58,363 | 5,982 | 14,000 | 13,610 | 1,360 |
| 22,000,000 | 1,651,778 | 181,555 | 82,500 | 61,142 | 6,267 | 14,667 | 15,440 | 1,540 |
| 23,000,000 | 1,725,631 | 191,036 | 86,250 | 63,921 | 6,552 | 15,333 | 17,260 | 1,720 |
| 24,000,000 | 1,799,273 | 200,727 | 90,000 | 66,700 | 6,837 | 16,000 | 19,270 | 1,920 |
| 25,000,000 | 1,872,006 | 211,327 | 93,750 | 69,479 | 7,122 | 16,667 | 22,100 | 2,210 |
| 연봉 | 월급 실수령액 | 공제액계 | 국민연금 | 건강보험 | 장기요양 | 고용보험 | 소득세 | 지방소득세 |
|---|---|---|---|---|---|---|---|---|
| 26,000,000 | 1,944,739 | 221,928 | 97,500 | 72,258 | 7,406 | 17,333 | 24,940 | 2,490 |
| 27,000,000 | 2,017,481 | 232,519 | 101,250 | 75,038 | 7,691 | 18,000 | 27,770 | 2,770 |
| 28,000,000 | 2,090,204 | 243,130 | 105,000 | 77,817 | 7,976 | 18,667 | 30,610 | 3,060 |
| 29,000,000 | 2,159,866 | 256,800 | 108,750 | 80,596 | 8,261 | 19,333 | 36,240 | 3,620 |
| 30,000,000 | 2,227,919 | 272,081 | 112,500 | 83,375 | 8,546 | 20,000 | 43,330 | 4,330 |
| 31,000,000 | 2,295,972 | 287,362 | 116,250 | 86,154 | 8,831 | 20,667 | 50,420 | 5,040 |
| 32,000,000 | 2,363,654 | 303,012 | 120,000 | 88,933 | 9,116 | 21,333 | 57,850 | 5,780 |
| 33,000,000 | 2,429,857 | 320,143 | 123,750 | 91,713 | 9,401 | 22,000 | 66,620 | 6,660 |
| 34,000,000 | 2,493,890 | 339,444 | 127,500 | 94,492 | 9,685 | 22,667 | 77,370 | 7,730 |
| 35,000,000 | 2,557,912 | 358,754 | 131,250 | 97,271 | 9,970 | 23,333 | 88,120 | 8,810 |
| 36,000,000 | 2,633,865 | 366,135 | 135,000 | 100,050 | 10,255 | 24,000 | 88,030 | 8,800 |
| 37,000,000 | 2,700,648 | 382,686 | 138,750 | 102,829 | 10,540 | 24,667 | 96,280 | 9,620 |
| 38,000,000 | 2,764,670 | 401,997 | 142,500 | 105,608 | 10,825 | 25,333 | 107,030 | 10,700 |
| 39,000,000 | 2,828,703 | 421,297 | 146,250 | 108,388 | 11,110 | 26,000 | 117,780 | 11,770 |
| 40,000,000 | 2,892,725 | 440,608 | 150,000 | 111,167 | 11,395 | 26,667 | 128,530 | 12,850 |
| 41,000,000 | 2,956,758 | 459,909 | 153,750 | 113,946 | 11,679 | 27,333 | 139,280 | 13,920 |
| 42,000,000 | 3,020,781 | 479,219 | 157,500 | 116,725 | 11,964 | 28,000 | 150,030 | 15,000 |
| 43,000,000 | 3,084,813 | 498,520 | 161,250 | 119,504 | 12,249 | 28,667 | 160,780 | 16,070 |
| 44,000,000 | 3,148,836 | 517,831 | 165,000 | 122,283 | 12,534 | 29,333 | 171,530 | 17,150 |
| 45,000,000 | 3,212,869 | 537,131 | 168,750 | 125,063 | 12,819 | 30,000 | 182,280 | 18,220 |
| 46,000,000 | 3,276,891 | 556,442 | 172,500 | 127,842 | 13,104 | 30,667 | 193,030 | 19,300 |
| 47,000,000 | 3,334,934 | 581,733 | 176,250 | 130,621 | 13,389 | 31,333 | 209,220 | 20,920 |
| 48,000,000 | 3,397,927 | 602,074 | 180,000 | 133,400 | 13,674 | 32,000 | 220,910 | 22,090 |
| 49,000,000 | 3,460,939 | 622,394 | 183,750 | 136,179 | 13,958 | 32,667 | 232,590 | 23,250 |
| 연봉 | 월급 실수령액 | 공제액계 | 국민연금 | 건강보험 | 장기요양 | 고용보험 | 소득세 | 지방소득세 |
|---|---|---|---|---|---|---|---|---|
| 50,000,000 | 3,523,932 | 642,735 | 187,500 | 138,958 | 14,243 | 33,333 | 244,280 | 24,420 |
| 51,000,000 | 3,586,924 | 663,076 | 191,250 | 141,738 | 14,528 | 34,000 | 255,970 | 25,590 |
| 52,000,000 | 3,649,917 | 683,416 | 195,000 | 144,517 | 14,813 | 34,667 | 267,660 | 26,760 |
| 53,000,000 | 3,712,920 | 703,747 | 198,750 | 147,296 | 15,098 | 35,333 | 279,340 | 27,930 |
| 54,000,000 | 3,775,912 | 724,088 | 202,500 | 150,075 | 15,383 | 36,000 | 291,030 | 29,100 |
| 55,000,000 | 3,838,905 | 744,428 | 206,250 | 152,854 | 15,668 | 36,667 | 302,720 | 30,270 |
| 56,000,000 | 3,901,898 | 764,769 | 210,000 | 155,633 | 15,952 | 37,333 | 314,410 | 31,440 |
| 57,000,000 | 3,962,140 | 787,860 | 213,750 | 158,413 | 16,237 | 38,000 | 328,600 | 32,860 |
| 58,000,000 | 4,025,153 | 808,180 | 217,500 | 161,192 | 16,522 | 38,667 | 340,280 | 34,020 |
| 59,000,000 | 4,088,145 | 828,521 | 221,250 | 163,971 | 16,807 | 39,333 | 351,970 | 35,190 |
| 60,000,000 | 4,151,138 | 848,862 | 225,000 | 166,750 | 17,092 | 40,000 | 363,660 | 36,360 |
| 61,000,000 | 4,214,141 | 869,193 | 228,750 | 169,529 | 17,377 | 40,667 | 375,340 | 37,530 |
| 62,000,000 | 4,277,133 | 889,533 | 232,500 | 172,308 | 17,662 | 41,333 | 387,030 | 38,700 |
| 63,000,000 | 4,340,126 | 909,874 | 236,250 | 175,088 | 17,946 | 42,000 | 398,720 | 39,870 |
| 64,000,000 | 4,403,119 | 930,215 | 240,000 | 177,867 | 18,231 | 42,667 | 410,410 | 41,040 |
| 65,000,000 | 4,466,131 | 950,535 | 243,750 | 180,646 | 18,516 | 43,333 | 422,090 | 42,200 |
| 66,000,000 | 4,528,264 | 971,736 | 247,500 | 183,425 | 18,801 | 44,000 | 434,560 | 43,450 |
| 67,000,000 | 4,583,557 | 999,777 | 251,250 | 186,204 | 19,086 | 44,667 | 453,250 | 45,320 |
| 68,000,000 | 4,638,839 | 1,027,827 | 255,000 | 188,983 | 19,371 | 45,333 | 471,950 | 47,190 |
| 69,000,000 | 4,694,162 | 1,055,838 | 258,750 | 191,763 | 19,656 | 46,000 | 490,610 | 49,060 |
| 70,000,000 | 4,749,494 | 1,083,839 | 262,500 | 194,542 | 19,941 | 46,667 | 509,270 | 50,920 |
| 71,000,000 | 4,804,817 | 1,111,850 | 266,250 | 197,321 | 20,225 | 47,333 | 527,930 | 52,790 |
| 72,000,000 | 4,832,660 | 1,167,340 | 270,000 | 200,100 | 20,510 | 48,000 | 571,580 | 57,150 |
| 73,000,000 | 4,887,762 | 1,195,571 | 273,750 | 202,879 | 20,795 | 48,667 | 590,440 | 59,040 |
| 74,000,000 | 4,942,865 | 1,223,802 | 277,500 | 205,658 | 21,080 | 49,333 | 609,300 | 60,930 |
| 75,000,000 | 4,997,978 | 1,252,022 | 281,250 | 208,438 | 21,365 | 50,000 | 628,160 | 62,810 |
| 연봉 | 월급 실수령액 | 공제액계 | 국민연금 | 건강보험 | 장기요양 | 고용보험 | 소득세 | 지방소득세 |
|---|---|---|---|---|---|---|---|---|
| 76,000,000 | 5,053,080 | 1,280,253 | 285,000 | 211,217 | 21,650 | 50,667 | 647,020 | 64,700 |
| 77,000,000 | 5,108,193 | 1,308,474 | 288,750 | 213,996 | 21,935 | 51,333 | 665,880 | 66,580 |
| 78,000,000 | 5,163,296 | 1,336,704 | 292,500 | 216,775 | 22,219 | 52,000 | 684,740 | 68,470 |
| 79,000,000 | 5,218,398 | 1,364,935 | 296,250 | 219,554 | 22,504 | 52,667 | 703,600 | 70,360 |
| 80,000,000 | 5,273,511 | 1,393,156 | 300,000 | 222,333 | 22,789 | 53,333 | 722,460 | 72,240 |
| 81,000,000 | 5,328,613 | 1,421,387 | 303,750 | 225,113 | 23,074 | 54,000 | 741,320 | 74,130 |
| 82,000,000 | 5,383,726 | 1,449,607 | 307,500 | 227,892 | 23,359 | 54,667 | 760,180 | 76,010 |
| 83,000,000 | 5,438,829 | 1,477,838 | 311,250 | 230,671 | 23,644 | 55,333 | 779,040 | 77,900 |
| 84,000,000 | 5,493,951 | 1,506,049 | 315,000 | 233,450 | 23,929 | 56,000 | 797,890 | 79,780 |
| 85,000,000 | 5,549,054 | 1,534,279 | 318,750 | 236,229 | 24,213 | 56,667 | 816,750 | 81,670 |
| 86,000,000 | 5,604,157 | 1,562,510 | 322,500 | 239,008 | 24,498 | 57,333 | 835,610 | 83,560 |
| 87,000,000 | 5,659,269 | 1,590,731 | 326,250 | 241,788 | 24,783 | 58,000 | 854,470 | 85,440 |
| 88,000,000 | 5,714,372 | 1,618,961 | 330,000 | 244,567 | 25,068 | 58,667 | 873,330 | 87,330 |
| 89,000,000 | 5,769,485 | 1,647,182 | 333,750 | 247,346 | 25,353 | 59,333 | 892,190 | 89,210 |
| 90,000,000 | 5,824,587 | 1,675,413 | 337,500 | 250,125 | 25,638 | 60,000 | 911,050 | 91,100 |
| 91,000,000 | 5,879,690 | 1,703,644 | 341,250 | 252,904 | 25,923 | 60,667 | 929,910 | 92,990 |
| 92,000,000 | 5,934,802 | 1,731,864 | 345,000 | 255,683 | 26,208 | 61,333 | 948,770 | 94,870 |
| 93,000,000 | 5,989,905 | 1,760,095 | 348,750 | 258,463 | 26,492 | 62,000 | 967,630 | 96,760 |
| 94,000,000 | 6,045,018 | 1,788,316 | 352,500 | 261,242 | 26,777 | 62,667 | 986,490 | 98,640 |
| 95,000,000 | 6,100,120 | 1,816,546 | 356,250 | 264,021 | 27,062 | 63,333 | 1,005,350 | 100,530 |
| 96,000,000 | 6,155,223 | 1,844,777 | 360,000 | 266,800 | 27,347 | 64,000 | 1,024,210 | 102,420 |
| 97,000,000 | 6,210,336 | 1,872,998 | 363,750 | 269,579 | 27,632 | 64,667 | 1,043,070 | 104,300 |
| 98,000,000 | 6,265,438 | 1,901,228 | 367,500 | 272,358 | 27,917 | 65,333 | 1,061,930 | 106,190 |
| 99,000,000 | 6,320,551 | 1,929,449 | 371,250 | 275,138 | 28,202 | 66,000 | 1,080,790 | 108,070 |
| 연봉 | 월급 실수령액 | 공제액계 | 국민연금 | 건강보험 | 장기요양 | 고용보험 | 소득세 | 지방소득세 |
|---|---|---|---|---|---|---|---|---|
| 100,000,000 | 6,375,654 | 1,957,680 | 375,000 | 277,917 | 28,486 | 66,667 | 1,099,650 | 109,960 |
| 101,000,000 | 6,430,756 | 1,985,910 | 378,750 | 280,696 | 28,771 | 67,333 | 1,118,510 | 111,850 |
| 102,000,000 | 6,485,339 | 2,014,661 | 382,500 | 283,475 | 29,056 | 68,000 | 1,137,850 | 113,780 |
| 103,000,000 | 6,539,781 | 2,043,552 | 386,250 | 286,254 | 29,341 | 68,667 | 1,157,310 | 115,730 |
| 104,000,000 | 6,594,244 | 2,072,423 | 390,000 | 289,033 | 29,626 | 69,333 | 1,176,760 | 117,670 |
| 105,000,000 | 6,648,687 | 2,101,313 | 393,750 | 291,813 | 29,911 | 70,000 | 1,196,220 | 119,620 |
| 106,000,000 | 6,703,139 | 2,130,194 | 397,500 | 294,592 | 30,196 | 70,667 | 1,215,680 | 121,560 |
| 107,000,000 | 6,757,582 | 2,159,085 | 401,250 | 297,371 | 30,481 | 71,333 | 1,235,140 | 123,510 |
| 108,000,000 | 6,812,025 | 2,187,975 | 405,000 | 300,150 | 30,765 | 72,000 | 1,254,600 | 125,460 |
| 109,000,000 | 6,866,477 | 2,216,856 | 408,750 | 302,929 | 31,050 | 72,667 | 1,274,060 | 127,400 |
| 110,000,000 | 6,915,790 | 2,250,877 | 412,500 | 305,708 | 31,335 | 73,333 | 1,298,190 | 129,810 |
| 111,000,000 | 6,960,423 | 2,289,577 | 416,250 | 308,488 | 31,620 | 74,000 | 1,326,570 | 132,650 |
| 112,000,000 | 7,005,055 | 2,328,278 | 420,000 | 311,267 | 31,905 | 74,667 | 1,354,950 | 135,490 |
| 113,000,000 | 7,049,688 | 2,366,979 | 423,750 | 314,046 | 32,190 | 75,333 | 1,383,330 | 138,330 |
| 114,000,000 | 7,094,320 | 2,405,680 | 427,500 | 316,825 | 32,475 | 76,000 | 1,411,710 | 141,170 |
| 115,000,000 | 7,138,963 | 2,444,370 | 431,250 | 319,604 | 32,759 | 76,667 | 1,440,090 | 144,000 |
| 116,000,000 | 7,183,606 | 2,483,061 | 435,000 | 322,383 | 33,044 | 77,333 | 1,468,460 | 146,840 |
| 117,000,000 | 7,228,238 | 2,521,762 | 438,750 | 325,163 | 33,329 | 78,000 | 1,496,840 | 149,680 |
| 118,000,000 | 7,272,871 | 2,560,462 | 442,500 | 327,942 | 33,614 | 78,667 | 1,525,220 | 152,520 |
| 119,000,000 | 7,317,504 | 2,599,163 | 446,250 | 330,721 | 33,899 | 79,333 | 1,553,600 | 155,360 |
| 120,000,000 | 7,362,146 | 2,637,854 | 450,000 | 333,500 | 34,184 | 80,000 | 1,581,980 | 158,190 |
| 121,000,000 | 7,406,779 | 2,676,554 | 453,750 | 336,279 | 34,469 | 80,667 | 1,610,360 | 161,030 |
| 122,000,000 | 7,332,582 | 2,834,085 | 457,500 | 339,058 | 34,753 | 81,333 | 1,746,770 | 174,670 |
| 123,000,000 | 7,377,064 | 2,872,936 | 461,250 | 341,838 | 35,038 | 82,000 | 1,775,290 | 177,520 |
| 124,000,000 | 7,421,527 | 2,911,807 | 465,000 | 344,617 | 35,323 | 82,667 | 1,803,820 | 180,380 |
| 125,000,000 | 7,466,009 | 2,950,657 | 468,750 | 347,396 | 35,608 | 83,333 | 1,832,340 | 183,230 |
| 연봉 | 월급 실수령액 | 공제액계 | 국민연금 | 건강보험 | 장기요양 | 고용보험 | 소득세 | 지방소득세 |
|---|---|---|---|---|---|---|---|---|
| 126,000,000 | 7,510,482 | 2,989,518 | 472,500 | 350,175 | 35,893 | 84,000 | 1,860,870 | 186,080 |
| 127,000,000 | 7,554,965 | 3,028,369 | 476,250 | 352,954 | 36,178 | 84,667 | 1,889,390 | 188,930 |
| 128,000,000 | 7,599,437 | 3,067,229 | 480,000 | 355,733 | 36,463 | 85,333 | 1,917,910 | 191,790 |
| 129,000,000 | 7,643,910 | 3,106,090 | 483,750 | 358,513 | 36,748 | 86,000 | 1,946,440 | 194,640 |
| 130,000,000 | 7,688,393 | 3,144,941 | 487,500 | 361,292 | 37,032 | 86,667 | 1,974,960 | 197,490 |
| 131,000,000 | 7,732,865 | 3,183,801 | 491,250 | 364,071 | 37,317 | 87,333 | 2,003,490 | 200,340 |
| 132,000,000 | 7,777,338 | 3,222,662 | 495,000 | 366,850 | 37,602 | 88,000 | 2,032,010 | 203,200 |
| 133,000,000 | 7,821,811 | 3,261,523 | 498,750 | 369,629 | 37,887 | 88,667 | 2,060,540 | 206,050 |
| 134,000,000 | 7,866,293 | 3,300,374 | 502,500 | 372,408 | 38,172 | 89,333 | 2,089,060 | 208,900 |
| 135,000,000 | 7,910,776 | 3,339,224 | 506,250 | 375,188 | 38,457 | 90,000 | 2,117,580 | 211,750 |
| 136,000,000 | 7,955,238 | 3,378,095 | 510,000 | 377,967 | 38,742 | 90,667 | 2,146,110 | 214,610 |
| 137,000,000 | 7,999,721 | 3,416,946 | 513,750 | 380,746 | 39,026 | 91,333 | 2,174,630 | 217,460 |
| 138,000,000 | 8,044,194 | 3,455,806 | 517,500 | 383,525 | 39,311 | 92,000 | 2,203,160 | 220,310 |
| 139,000,000 | 8,088,676 | 3,494,657 | 521,250 | 386,304 | 39,596 | 92,667 | 2,231,680 | 223,160 |
| 140,000,000 | 8,133,139 | 3,533,528 | 525,000 | 389,083 | 39,881 | 93,333 | 2,260,210 | 226,020 |
| 141,000,000 | 8,177,622 | 3,572,378 | 528,750 | 391,863 | 40,166 | 94,000 | 2,288,730 | 228,870 |
| 142,000,000 | 8,222,104 | 3,611,229 | 532,500 | 394,642 | 40,451 | 94,667 | 2,317,250 | 231,720 |
| 143,000,000 | 8,266,577 | 3,650,090 | 536,250 | 397,421 | 40,736 | 95,333 | 2,345,780 | 234,570 |
| 144,000,000 | 8,311,050 | 3,688,951 | 540,000 | 400,200 | 41,021 | 96,000 | 2,374,300 | 237,430 |
| 145,000,000 | 8,355,522 | 3,727,811 | 543,750 | 402,979 | 41,305 | 96,667 | 2,402,830 | 240,280 |
| 146,000,000 | 8,400,005 | 3,766,662 | 547,500 | 405,758 | 41,590 | 97,333 | 2,431,350 | 243,130 |
| 147,000,000 | 8,444,477 | 3,805,523 | 551,250 | 408,538 | 41,875 | 98,000 | 2,459,880 | 245,980 |
| 148,000,000 | 8,488,950 | 3,844,383 | 555,000 | 411,317 | 42,160 | 98,667 | 2,488,400 | 248,840 |
| 149,000,000 | 8,533,433 | 3,883,234 | 558,750 | 414,096 | 42,445 | 99,333 | 2,516,920 | 251,690 |
| 150,000,000 | 8,577,905 | 3,922,095 | 562,500 | 416,875 | 42,730 | 100,000 | 2,545,450 | 254,540 |