2026년 연봉 실수령액 표 완벽 정리 (100만원~2억 구간별 상세 조회)

2026년 최신 4대 보험 요율이 반영된 연봉 실수령액 표입니다. 내 연봉이 실제로 통장에 얼마로 찍히는지, 구간별로 확인해 보세요.

※ 적용 기준 (2026년 예상 요율 반영)

• 국민연금: 4.75% (본인 부담)
• 건강보험: 3.595%
• 장기요양보험: 건강보험료의 13.14%
• 고용보험: 0.9%
• 소득세/지방세: 1인 가구, 비과세액 0원 기준 간이세액 적용 (부양가족 및 비과세 식대 포함 여부에 따라 실제와 다를 수 있음)

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⚠️ 주의하세요! 인터넷에 돌아다니는 일반 연봉 계산기는 작년(2024~2025년) 기준이라 실제 2026년 월급과는 차이가 큽니다.

본 포스팅의 표는 2026년에 인상될 국민연금(4.75%)과 건강보험 요율을 완벽하게 반영하여 직접 시뮬레이션한 결과입니다. 남들보다 한발 앞서 정확한 내 월급을 확인해 보세요.”

2026년 근로소득세 과세표준 및 세율

과세표준은 전체 연봉에서 근로소득공제, 인적공제, 4대 보험료 공제 등을 모두 뺀 ‘순수하게 세금을 매기는 기준 금액’을 의미합니다.

과세표준 구간	세율	누진공제액
1,400만 원 이하	6%	–
1,400만 원 초과 ~ 5,000만 원 이하	15%	126만 원
5,000만 원 초과 ~ 8,800만 원 이하	24%	576만 원
8,800만 원 초과 ~ 1억 5,000만 원 이하	35%	1,544만 원
1억 5,000만 원 초과 ~ 3억 원 이하	38%	1,994만 원
3억 원 초과 ~ 5억 원 이하	40%	2,594만 원
5억 원 초과 ~ 10억 원 이하	42%	3,594만 원
10억 원 초과	45%	6,594만 원

1. 과세표준 1,400만 원 이하 구간 (저소득/아르바이트/사회초년생)

세금 부담이 적고 실질 소득 비율이 가장 높은 구간입니다.

연봉(만원)	월실수령액	공제액계	국민연금	건강보험	장기요양	고용보험	소득세	지방소득세
100	75,590	7,740	3,950	2,990	390	410	0	0
200	151,190	15,470	7,910	5,990	780	790	0	0
300	226,790	23,210	11,870	8,980	1,180	1,180	0	0
400	302,380	30,950	15,830	11,980	1,570	1,570	0	0
500	377,980	38,680	19,790	14,970	1,960	1,960	0	0
600	453,580	46,420	23,750	17,970	2,360	2,340	0	0
700	529,180	54,150	27,700	20,970	2,750	2,730	0	0
800	604,770	61,890	31,660	23,960	3,140	3,130	0	0
900	680,370	69,630	35,620	26,960	3,540	3,510	0	0
1000	755,970	77,360	39,580	29,950	3,930	3,900	0	0
1100	831,570	85,090	43,540	32,950	4,320	4,280	0	0
1200	906,860	93,140	47,500	35,950	4,720	4,670	270	20
1300	981,590	101,740	51,450	38,940	5,110	5,060	1,070	100
1400	1,056,310	110,350	55,410	41,940	5,510	5,450	1,850	180

2. 과세표준 1,500만 ~ 5,000만 원 소득세 15% 구간 (실무자/대리급)

대다수의 직장인이 포함되는 구간으로, 소득세율 15% 누진 공제가 본격적으로 시작됩니다.

연봉(만원)	월실수령액	공제액계	국민연금	건강보험	장기요양	고용보험	소득세	지방소득세
1500	1,130,860	119,140	59,370	44,930	5,900	5,840	2,810	280
1600	1,205,420	127,910	63,330	47,930	6,290	6,230	3,750	370
1700	1,279,970	136,690	67,290	50,920	6,690	6,620	4,690	460
1800	1,354,520	145,480	71,250	53,920	7,080	7,010	5,650	560
1900	1,429,070	154,260	75,200	56,920	7,470	7,400	6,600	660
2000	1,503,630	163,030	79,160	59,910	7,870	7,790	7,540	750
2100	1,578,180	171,820	83,120	62,910	8,260	8,180	8,490	840
2200	1,652,730	180,600	87,080	65,900	8,650	8,570	9,450	940
2300	1,727,140	189,520	91,040	68,900	9,050	8,960	10,510	1,050
2400	1,800,990	199,010	95,000	71,900	9,440	9,350	12,100	1,210
2500	1,874,840	208,490	98,950	74,890	9,840	9,740	13,690	1,360
2600	1,948,700	217,960	102,910	77,890	10,230	10,130	15,270	1,520
2700	2,022,550	227,450	106,870	80,880	10,620	10,520	16,860	1,680
2800	2,096,400	236,930	110,830	83,880	11,020	10,910	18,440	1,840
2900	2,170,250	246,410	114,790	86,870	11,410	11,300	20,030	2,000
3000	2,244,110	255,890	118,750	89,870	11,800	11,690	21,610	2,160
3100	2,315,920	267,410	122,700	92,870	12,200	12,080	25,050	2,500
3200	2,386,520	280,140	126,660	95,860	12,590	12,470	29,500	2,950
3300	2,457,110	292,890	130,620	98,860	12,990	12,860	33,960	3,390
3400	2,527,700	305,630	134,580	101,850	13,380	13,250	38,410	3,840
3500	2,598,300	318,360	138,540	104,850	13,770	13,640	42,870	4,280
3600	2,668,890	331,110	142,500	107,850	14,170	14,030	47,320	4,730
3700	2,739,480	343,850	146,450	110,840	14,560	14,420	51,780	5,170
3800	2,809,790	356,870	150,410	113,840	14,950	14,810	56,230	5,620
3900	2,878,920	371,080	154,370	116,830	15,350	15,200	61,560	6,150
4000	2,948,040	385,290	158,330	119,830	15,740	15,590	66,900	6,690
4100	3,017,160	399,500	162,290	122,820	16,130	15,980	72,240	7,220
4200	3,086,290	413,710	166,250	125,820	16,530	16,370	77,580	7,750
4300	3,155,410	427,920	170,200	128,820	16,920	16,760	82,920	8,290
4400	3,224,530	442,130	174,160	131,810	17,310	17,150	88,260	8,820
4500	3,293,660	456,340	178,120	134,810	17,710	17,540	93,600	9,360
4600	3,362,490	470,840	182,080	137,800	18,100	17,930	99,020	9,900
4700	3,429,910	486,750	186,040	140,800	18,500	18,320	104,900	10,490
4800	3,497,340	502,660	190,000	143,800	18,890	18,710	110,780	11,070
4900	3,564,760	518,570	193,950	146,790	19,280	19,100	116,660	11,660
5000	3,632,180	534,480	197,910	149,790	19,680	19,490	122,540	12,250

3. 과세표준 5,100만 ~ 8,800만 원 구간 (과장/팀장급)

연봉 5천만 원 초과 시점부터 공제액이 급격히 늘어나는 구간입니다. 실수령액 관리가 중요합니다.

연봉(만원)	월실수령액	공제액계	국민연금	건강보험	장기요양	고용보험	소득세	지방소득세
5100	3,699,610	550,390	201,870	152,780	20,070	19,880	128,420	12,840
5200	3,767,030	566,300	205,830	155,780	20,460	20,270	134,300	13,430
5300	3,834,460	582,210	209,790	158,770	20,860	20,660	140,180	14,010
5400	3,901,880	598,120	213,750	161,770	21,250	21,050	146,060	14,600
5500	3,969,300	614,030	217,700	164,770	21,650	21,440	151,940	15,190
5600	4,036,730	629,930	221,660	167,760	22,040	21,830	157,820	15,780
5700	4,104,150	645,840	225,620	170,760	22,430	22,220	163,700	16,370
5800	4,171,580	661,750	229,580	173,750	22,830	22,610	169,580	16,950
5900	4,239,000	677,660	233,540	176,750	23,220	23,000	175,460	17,540
6000	4,306,430	693,570	237,500	179,750	23,610	23,390	181,340	18,130
6100	4,373,850	709,480	241,450	182,740	24,010	23,780	187,220	18,720
6200	4,441,270	725,390	245,410	185,740	24,400	24,170	193,100	19,310
6300	4,508,700	741,300	249,370	188,730	24,800	24,560	198,980	19,890
6400	4,576,120	757,210	253,330	191,730	25,190	24,950	204,860	20,480
6500	4,643,550	773,120	257,290	194,720	25,580	25,340	210,740	21,070
6600	4,710,970	789,030	261,250	197,720	25,980	25,730	216,620	21,660
6700	4,778,400	804,940	265,200	200,720	26,370	26,120	222,500	22,250
6800	4,845,820	820,850	269,160	203,710	26,760	26,510	228,380	22,830
6900	4,913,240	836,750	273,120	206,710	27,160	26,900	234,260	23,420
7000	4,980,590	852,740	277,080	209,700	27,550	27,290	240,190	24,010
7100	5,042,570	874,090	281,040	212,700	27,940	27,680	256,060	25,600
7200	5,103,400	896,600	285,000	215,700	28,340	28,070	272,800	27,280
7300	5,164,230	919,100	288,950	218,690	28,730	28,460	289,530	28,950
7400	5,225,070	941,600	292,910	221,690	29,130	28,850	306,270	30,620
7500	5,285,900	964,100	296,870	224,680	29,520	29,240	323,000	32,300
7600	5,346,730	986,600	300,830	227,680	29,910	29,630	339,740	33,970
7700	5,407,560	1,009,100	304,790	230,670	30,310	30,020	356,470	35,640
7800	5,468,400	1,031,600	308,750	233,670	30,700	30,410	373,210	37,320
7900	5,529,230	1,054,100	312,700	236,670	31,100	30,800	389,940	38,990
8000	5,590,060	1,076,600	316,660	239,660	31,490	31,190	406,680	40,660
8100	5,650,890	1,099,110	320,620	242,660	31,880	31,580	423,410	42,340
8200	5,711,730	1,121,610	324,580	245,650	32,280	31,970	440,150	44,010
8300	5,772,560	1,144,110	328,540	248,650	32,670	32,360	456,880	45,680
8400	5,833,390	1,166,610	332,500	251,650	33,060	32,750	473,620	47,360
8500	5,894,220	1,189,110	336,450	254,640	33,460	33,140	490,360	49,030
8600	5,955,060	1,211,610	340,410	257,640	33,850	33,530	507,090	50,700
8700	6,015,890	1,234,110	344,370	260,630	34,240	33,920	523,830	52,380
8800	6,076,720	1,256,610	348,330	263,630	34,640	34,310	540,560	54,050

4. 과세표준 9만 원 초과 고소득 구간 (연봉 9,000만~2억)

연봉(만원)	월실수령액	공제액계	국민연금	건강보험	장기요양	고용보험	소득세	지방소득세
9000	6,193,890	1,306,110	356,250	269,620	35,420	35,090	572,580	57,250
9100	6,251,790	1,331,540	360,200	272,620	35,820	35,480	591,020	59,100
9200	6,309,690	1,356,960	364,160	275,610	36,210	35,870	609,460	60,940
9300	6,367,590	1,382,400	368,120	278,610	36,600	36,260	627,900	62,790
9400	6,425,490	1,407,830	372,080	281,600	37,000	36,650	646,340	64,630
9500	6,483,430	1,433,230	376,040	284,600	37,390	37,040	664,790	66,470
9600	6,541,330	1,458,660	380,000	287,600	37,790	37,430	683,230	68,320
9700	6,599,230	1,484,090	383,950	290,590	38,180	37,820	701,670	70,160
9800	6,657,130	1,509,520	387,910	293,590	38,570	38,210	720,110	72,010
9900	6,715,040	1,534,950	391,870	296,580	38,970	38,600	738,550	73,850
10000	6,772,970	1,560,360	395,830	299,580	39,360	38,990	756,990	75,690
10100	6,828,760	1,587,900	399,790	302,570	39,750	39,380	776,320	77,630
10200	6,884,540	1,615,450	403,750	305,570	40,150	39,770	795,650	79,560
10300	6,940,320	1,643,000	407,700	308,570	40,540	40,160	814,980	81,490
10400	6,996,110	1,670,550	411,660	311,560	40,930	40,550	834,310	83,430
10500	7,051,890	1,698,100	415,620	314,560	41,330	40,940	853,640	85,360
10600	7,107,670	1,725,650	419,580	317,550	41,720	41,330	872,970	87,290
10700	7,163,450	1,753,210	423,540	320,550	42,120	41,720	892,300	89,230
10800	7,219,240	1,780,750	427,500	323,550	42,510	42,110	911,630	91,160
10900	7,275,020	1,808,300	431,450	326,540	42,900	42,500	930,960	93,090
11000	7,330,810	1,835,850	435,410	329,540	43,300	42,890	950,290	95,020
11100	7,384,520	1,865,470	439,370	332,530	43,690	43,280	971,210	97,120
11200	7,438,230	1,895,090	443,330	335,530	44,080	43,670	992,130	99,210
11300	7,491,940	1,924,710	447,290	338,520	44,480	44,060	1,013,050	101,300
11400	7,545,650	1,954,340	451,250	341,520	44,870	44,450	1,033,970	103,390
11500	7,599,350	1,983,970	455,200	344,520	45,260	44,840	1,054,890	105,480
11600	7,653,060	2,013,590	459,160	347,510	45,660	45,230	1,075,810	107,580
11700	7,706,770	2,043,220	463,120	350,510	46,050	45,620	1,096,730	109,670
11800	7,760,480	2,072,840	467,080	353,500	46,450	46,010	1,117,650	111,760
11900	7,814,190	2,102,460	471,040	356,500	46,840	46,400	1,138,570	113,850
12000	7,867,900	2,132,100	475,000	359,500	47,230	46,790	1,159,500	115,950
12100	7,921,600	2,161,720	478,950	362,490	47,630	47,180	1,180,420	118,040
12200	7,975,310	2,191,350	482,910	365,490	48,020	47,570	1,201,340	120,130
12300	8,029,020	2,220,970	486,870	368,480	48,410	47,960	1,222,260	122,220
12400	8,082,730	2,250,590	490,830	371,480	48,810	48,350	1,243,180	124,310
12500	8,136,440	2,280,210	494,790	374,470	49,200	48,740	1,264,100	126,410
12600	8,190,150	2,309,840	498,750	377,470	49,590	49,130	1,285,020	128,500
12700	8,243,850	2,339,470	502,700	380,470	49,990	49,520	1,305,940	130,590
12800	8,297,560	2,369,090	506,660	383,460	50,380	49,910	1,326,860	132,680
12900	8,351,270	2,398,720	510,620	386,460	50,780	50,300	1,347,780	134,770
13000	8,404,980	2,428,350	514,580	389,450	51,170	50,690	1,368,720	136,870
13100	8,458,690	2,457,970	518,540	392,450	51,560	51,080	1,389,620	138,960
13200	8,512,390	2,487,600	522,500	395,450	51,960	51,470	1,410,540	141,050
13300	8,566,100	2,517,220	526,450	398,440	52,350	51,860	1,431,460	143,140
13400	8,619,810	2,546,850	530,410	401,440	52,740	52,250	1,452,380	145,230
13500	8,673,520	2,576,480	534,370	404,430	53,140	52,640	1,473,300	147,330
13600	8,727,230	2,606,090	538,330	407,430	53,530	53,030	1,494,220	149,420
13700	8,780,930	2,635,730	542,290	410,420	53,920	53,420	1,515,140	151,510
13800	8,834,640	2,665,340	546,250	413,420	54,320	53,810	1,536,060	153,600
13900	8,888,350	2,694,980	550,200	416,420	54,710	54,200	1,556,980	155,690
14000	8,942,060	2,724,610	554,160	419,410	55,110	54,590	1,577,930	157,790

5. 고소득 구간 2 (연봉 1억 4,100만 원 ~ 2억 원)

연봉의 절반 가까이를 세금 및 공제액으로 납부하게 되는 고관여 구간입니다. 절세 전략이 필수적입니다.

연봉(만원)	월실수령액	공제액계	국민연금	건강보험	장기요양	고용보험	소득세	지방소득세
14100	8,995,770	2,754,230	558,120	422,410	55,500	54,980	1,598,810	159,880
14200	9,049,470	2,783,860	562,080	425,400	55,890	55,370	1,619,730	161,970
14300	9,103,180	2,813,490	566,040	428,400	56,290	55,760	1,640,650	164,060
14400	9,156,890	2,843,100	570,000	431,400	56,680	56,150	1,661,570	166,150
14500	9,210,600	2,872,740	573,950	434,390	57,070	56,540	1,682,490	168,240
14600	9,264,310	2,902,350	577,910	437,390	57,470	56,930	1,703,410	170,340
14700	9,318,010	2,931,990	581,870	440,380	57,860	57,320	1,724,330	172,430
14800	9,371,720	2,961,610	585,830	443,380	58,260	57,710	1,745,250	174,520
14900	9,425,430	2,991,240	589,790	446,370	58,650	58,100	1,766,170	176,610
15000	9,479,150	3,020,850	593,750	449,370	59,040	58,490	1,787,140	178,710
15100	9,530,940	3,052,390	597,700	452,370	59,440	58,880	1,809,820	180,980
15200	9,582,720	3,083,930	601,660	455,360	59,830	59,270	1,832,540	183,250
15300	9,634,510	3,115,480	605,620	458,360	60,220	59,660	1,855,270	185,520
15400	9,686,300	3,147,020	609,580	461,350	60,620	60,050	1,877,990	187,790
15500	9,738,090	3,178,570	613,540	464,350	61,010	60,440	1,900,710	190,070
15600	9,789,870	3,210,120	617,500	467,350	61,400	60,830	1,923,430	192,340
15700	9,841,660	3,241,660	621,450	470,340	61,800	61,220	1,946,160	194,610
15800	9,893,440	3,273,210	625,410	473,340	62,190	61,610	1,968,880	196,880
15900	9,945,230	3,304,760	629,370	476,330	62,590	62,000	1,991,600	199,160
16000	9,997,010	3,336,320	633,330	479,330	62,980	62,390	2,014,350	201,430
16100	10,048,800	3,367,860	637,290	482,320	63,370	62,780	2,037,050	203,700
16200	10,100,590	3,399,400	641,250	485,320	63,770	63,170	2,059,770	205,970
16300	10,152,380	3,430,950	645,200	488,320	64,160	63,560	2,082,490	208,240
16400	10,204,160	3,462,500	649,160	491,310	64,550	63,950	2,105,210	210,520
16500	10,255,950	3,494,040	653,120	494,310	64,950	64,340	2,127,930	212,790
16600	10,307,730	3,525,600	657,080	497,300	65,340	64,730	2,150,650	215,060
16700	10,359,520	3,557,140	661,040	500,300	65,730	65,120	2,173,370	217,330
16800	10,411,310	3,588,680	665,000	503,300	66,130	65,510	2,196,090	219,600
16900	10,463,090	3,620,230	668,950	506,290	66,520	65,900	2,218,810	221,880
17000	10,505,090	3,661,570	672,910	509,290	66,920	66,290	2,243,330	224,330
17100	10,555,890	3,694,100	676,870	512,280	67,310	66,680	2,266,230	226,620
17200	10,606,700	3,726,630	680,830	515,280	67,700	67,070	2,289,130	228,910
17300	10,657,510	3,759,160	684,790	518,270	68,100	67,460	2,312,020	231,200
17400	10,708,310	3,791,690	688,750	521,270	68,490	67,850	2,334,920	233,490
17500	10,759,120	3,824,220	692,700	524,270	68,880	68,240	2,357,820	235,780
17600	10,809,930	3,856,740	696,660	527,260	69,280	68,630	2,380,710	238,070
17700	10,860,740	3,889,270	700,620	530,260	69,670	69,020	2,403,610	240,360
17800	10,911,550	3,921,790	704,580	533,250	70,060	69,410	2,426,500	242,650
17900	10,962,360	3,954,320	708,540	536,250	70,460	69,800	2,449,410	244,940
18000	11,013,170	3,986,830	712,500	539,250	70,850	70,190	2,472,310	247,230
18100	11,063,970	4,019,360	716,450	542,240	71,250	70,580	2,495,200	249,520
18200	11,114,780	4,051,890	720,410	545,240	71,640	70,970	2,518,100	251,810
18300	11,165,590	4,084,410	724,370	548,230	72,030	71,360	2,540,990	254,090
18400	11,216,400	4,116,940	728,330	551,230	72,430	71,750	2,563,890	256,380
18500	11,267,210	4,149,460	732,290	554,220	72,820	72,140	2,586,790	258,670
18600	11,318,010	4,181,990	736,250	557,220	73,210	72,530	2,609,680	260,960
18700	11,368,820	4,214,510	740,200	560,210	73,610	72,920	2,632,580	263,250
18800	11,419,630	4,247,040	744,160	563,210	74,000	73,310	2,655,470	265,540
18900	11,470,440	4,279,560	748,120	566,210	74,390	73,700	2,678,370	267,830
19000	11,521,250	4,312,080	752,080	569,200	74,790	74,090	2,701,280	270,120
19100	11,572,060	4,344,610	756,040	572,190	75,180	74,480	2,724,170	272,410
19200	11,622,860	4,377,140	760,000	575,190	75,580	74,870	2,747,070	274,700
19300	11,673,670	4,409,660	763,950	578,190	75,970	75,260	2,769,960	276,990
19400	11,724,480	4,442,190	767,910	581,180	76,360	75,650	2,792,860	279,280
19500	11,775,290	4,474,710	771,870	584,180	76,760	76,040	2,815,750	281,570
19600	11,826,100	4,507,230	775,830	587,170	77,150	76,430	2,838,650	283,860
19700	11,876,900	4,539,770	779,790	590,170	77,540	76,820	2,861,540	286,150
19800	11,927,710	4,572,290	783,750	593,160	77,940	77,210	2,884,450	288,440
19900	11,978,520	4,604,810	787,700	596,160	78,330	77,600	2,907,350	290,730
20000	12,029,330	4,637,330	791,660	599,160	78,730	77,990	2,930,260	293,020