2026 연봉 실수령액표 — 2,000만원부터 2억원까지 한눈에

연봉 2,000만원부터 2억원까지 100만~500만원 단위로 1인~4인 가구 월 실수령액을 미리 계산한 표입니다. 내 연봉과 가까운 구간을 바로 찾아보세요.

이 표는 연봉 2,000만원부터 2억원까지, 가구원 수(본인 포함 부양가족 수) 1인~4인 기준으로 월 실수령액을 미리 계산해 정리한 것입니다. 계산은 비과세 월액 0원, 8~20세 자녀 0명, 원천징수비율 100%를 가정합니다.

가구원 수가 많을수록 실수령액이 늘어나는 이유는 근로소득 간이세액표의 공제대상 가족 수에 따른 특별소득공제가 커져 매월 원천징수되는 소득세가 줄어들기 때문입니다. 실제 원천징수액은 최종 연말정산에서 정산되므로 연간 총 세금은 가족 수와 무관하게 실제 소득공제·세액공제 내역에 따라 확정됩니다.

식대 등 비과세 항목이 있거나 8~20세 자녀가 있다면 실제 실수령액은 이 표보다 더 많습니다. 내 조건에 정확히 맞춘 계산은 연봉 실수령액 계산기를 이용하세요.

공제 내역(국민연금·건강보험·고용보험·소득세)은 1인 가구 기준으로만 표시합니다. 국민연금·건강보험·고용보험은 급여에만 연동돼 가구원 수와 무관하게 모든 가구에 동일하게 적용되지만, 소득세는 가구원 수에 따라 달라지므로 2인~4인 가구의 정확한 공제액은 이 값과 다릅니다.

자주 묻는 질문

표의 실수령액이 제 월급과 다른 이유는 무엇인가요?

이 표는 비과세 월액 0원, 8~20세 자녀 0명, 원천징수비율 100%를 가정한 기준치입니다. 식대 등 비과세 항목이 있거나 자녀가 있다면, 회사의 원천징수 비율(80/100/120%)이 다르다면 실제 실수령액은 표와 달라집니다. 정확한 개인별 계산은 연봉 실수령액 계산기를 이용하세요.

가구원 수는 어떻게 세나요?

본인을 포함해 소득세 계산상 공제대상으로 인정되는 부양가족 수입니다. 배우자, 자녀, 함께 사는 부모 등이 소득·연령 요건을 충족하면 포함됩니다.

표의 공제 내역(국민연금·건강보험·고용보험·소득세)은 어느 가구 기준인가요?

1인 가구(부양가족 1명, 본인만) 기준입니다. 국민연금·건강보험·고용보험은 가구원 수와 무관하게 급여에만 연동돼 모든 가구에 동일하게 적용되지만, 소득세는 가구원 수가 늘수록 공제(특별소득공제)가 커져 줄어듭니다. 그래서 월 실수령액 컬럼은 2인~4인 가구도 각각 정확히 계산했지만, 공제 내역 컬럼 자체는 1인 가구 기준 하나만 제공합니다.

연봉 1억원을 넘으면 왜 표의 간격이 500만원 단위로 넓어지나요?

고액 연봉 구간은 개인별 비과세·공제 구성 차이가 상대적으로 커서 촘촘한 표의 실효성이 낮아지므로, 큰 흐름을 보여주는 데 집중해 간격을 넓혔습니다.

이 표의 기준은 몇 년도인가요?

2026년 기준 국민연금 근로자 부담률 4.75%, 건강보험 3.595%, 장기요양보험(건강보험료의 13.14%), 고용보험 0.9%와 근로소득 간이세액표 산출방식을 반영했습니다. 요율이 개정되면 이 표도 함께 갱신됩니다.

연봉대별 월 실수령액표

연봉월급(세전)국민연금(1인 가구 기준)건강보험(1인 가구 기준)고용보험(1인 가구 기준)소득세(1인 가구 기준)공제 합계(1인 가구 기준)월 실수령액(1인)월 실수령액(2인)월 실수령액(3인)월 실수령액(4인+)
20,000,0001,666,667-79,160-67,780-15,000-13,360-175,3001,491,3671,496,3171,503,4971,504,727
21,000,0001,750,000-83,120-71,170-15,740-15,240-185,2701,564,7301,569,6801,576,8501,579,970
22,000,0001,833,333-87,080-74,550-16,490-17,130-195,2501,638,0831,643,0331,650,2131,653,923
23,000,0001,916,667-91,040-77,950-17,250-19,010-205,2501,711,4171,716,3671,723,5371,727,257
24,000,0002,000,000-95,000-81,340-18,000-20,910-215,2501,784,7501,789,7001,796,8901,800,590
25,000,0002,083,333-98,950-84,730-18,740-22,790-225,2101,858,1231,863,0731,870,2431,873,963
26,000,0002,166,667-102,910-88,120-19,490-24,680-235,2001,931,4671,936,4171,943,5971,947,307
27,000,0002,250,000-106,870-91,500-20,250-26,560-245,1802,004,8202,009,7702,016,9402,020,660
28,000,0002,333,333-110,830-94,900-21,000-28,450-255,1802,078,1532,083,1032,090,2732,093,993
29,000,0002,416,667-114,790-98,280-21,740-30,340-265,1502,151,5172,156,4672,163,6472,167,357
30,000,0002,500,000-118,750-101,670-22,500-32,230-275,1502,224,8502,229,8002,236,9802,240,690
31,000,0002,583,333-122,700-105,070-23,250-34,240-285,2602,298,0732,303,0232,310,2032,313,913
32,000,0002,666,667-126,660-108,450-23,990-38,660-297,7602,368,9072,376,2672,383,4472,387,157
33,000,0002,750,000-130,620-111,850-24,740-43,690-310,9002,439,1002,449,4802,456,6602,460,370
34,000,0002,833,333-134,580-115,230-25,500-48,710-324,0202,509,3132,521,6832,529,8832,533,593
35,000,0002,916,667-138,540-118,620-26,240-53,820-337,2202,579,4472,591,8972,603,1072,606,827
36,000,0003,000,000-142,500-122,020-26,990-64,980-356,4902,643,5102,662,1002,676,3302,680,040
37,000,0003,083,333-146,450-125,400-27,750-76,890-376,4902,706,8432,732,3132,749,5632,753,263
38,000,0003,166,667-150,410-128,790-28,490-88,800-396,4902,770,1772,797,6772,820,4672,826,497
39,000,0003,250,000-154,370-132,180-29,240-100,700-416,4902,833,5102,861,0102,890,6802,899,730
40,000,0003,333,333-158,330-135,570-30,000-112,600-436,5002,896,8332,924,3332,960,8732,970,153
41,000,0003,416,667-162,290-138,950-30,740-124,500-456,4802,960,1872,987,6873,028,1073,040,627
42,000,0003,500,000-166,250-142,350-31,490-136,420-476,5103,023,4903,050,9903,091,9703,111,070
43,000,0003,583,333-170,200-145,740-32,250-148,320-496,5103,086,8233,114,3233,155,8533,176,473
44,000,0003,666,667-174,160-149,120-32,990-159,500-515,7703,150,8973,178,3973,220,4773,241,097
45,000,0003,750,000-178,120-152,520-33,750-170,660-535,0503,214,9503,242,4503,285,0703,305,700
46,000,0003,833,333-182,080-155,900-34,500-188,020-560,5003,272,8333,300,3333,343,5133,364,133
47,000,0003,916,667-186,040-159,300-35,240-200,230-580,8103,335,8573,363,3573,407,0873,427,707
48,000,0004,000,000-190,000-162,690-36,000-212,430-601,1203,398,8803,426,3803,470,6603,491,280
49,000,0004,083,333-193,950-166,070-36,750-224,640-621,4103,461,9233,489,4233,534,2533,554,873
50,000,0004,166,667-197,910-169,470-37,490-236,840-641,7103,524,9573,552,4573,597,8373,618,457
51,000,0004,250,000-201,870-172,850-38,250-249,040-662,0103,587,9903,615,4903,661,4203,682,040
52,000,0004,333,333-205,830-176,240-38,990-261,250-682,3103,651,0233,678,5233,725,0033,745,623
53,000,0004,416,667-209,790-179,630-39,750-273,440-702,6103,714,0573,741,5573,788,5773,809,207
54,000,0004,500,000-213,750-183,020-40,500-285,640-722,9103,777,0903,804,5903,852,1603,872,790
55,000,0004,583,333-217,700-186,420-41,240-297,850-743,2103,840,1233,867,6233,915,7433,936,373
56,000,0004,666,667-221,660-189,800-42,000-310,050-763,5103,903,1573,930,6573,979,3273,999,957
57,000,0004,750,000-225,620-193,190-42,750-322,250-783,8103,966,1903,993,6904,042,9104,063,540
58,000,0004,833,333-229,580-196,580-43,490-334,460-804,1104,029,2234,056,7234,106,4934,127,123
59,000,0004,916,667-233,540-199,970-44,250-346,660-824,4204,092,2474,119,7474,170,0674,190,697
60,000,0005,000,000-237,500-203,360-45,000-358,870-844,7304,155,2704,182,7704,233,6404,254,270
61,000,0005,083,333-241,450-206,750-45,740-371,070-865,0104,218,3234,245,8234,297,2534,317,873
62,000,0005,166,667-245,410-210,140-46,500-383,270-885,3204,281,3474,308,8474,360,8274,381,447
63,000,0005,250,000-249,370-213,520-47,250-395,480-905,6204,344,3804,371,8804,424,4104,445,030
64,000,0005,333,333-253,330-216,920-47,990-407,680-925,9204,407,4134,434,9134,487,9934,508,613
65,000,0005,416,667-257,290-220,300-48,750-419,880-946,2204,470,4474,497,9474,551,5774,572,197
66,000,0005,500,000-261,250-223,700-49,490-432,090-966,5304,533,4704,560,9704,615,1504,635,770
67,000,0005,583,333-265,200-227,090-50,240-444,290-986,8204,596,5134,624,0134,678,7434,699,363
68,000,0005,666,667-269,160-230,470-51,000-456,500-1,007,1304,659,5374,687,0374,742,3174,762,937
69,000,0005,750,000-273,120-233,870-51,740-468,690-1,027,4204,722,5804,750,0804,805,9004,826,530
70,000,0005,833,333-277,080-237,250-52,490-480,890-1,047,7104,785,6234,813,1234,869,4934,890,123
71,000,0005,916,667-281,040-240,640-53,250-517,520-1,092,4504,824,2174,851,7174,908,6374,929,267
72,000,0006,000,000-285,000-244,040-53,990-532,100-1,115,1304,884,8704,914,6004,972,0804,992,700
73,000,0006,083,333-288,950-247,420-54,740-551,840-1,142,9504,940,3834,977,5135,035,5435,056,163
74,000,0006,166,667-292,910-250,820-55,500-571,590-1,170,8204,995,8475,039,8475,098,9675,119,587
75,000,0006,250,000-296,870-254,200-56,240-591,330-1,198,6405,051,3605,095,3605,162,4205,183,050
76,000,0006,333,333-300,830-257,590-56,990-611,080-1,226,4905,106,8435,150,8435,225,8635,246,493
77,000,0006,416,667-304,790-260,980-57,750-630,820-1,254,3405,162,3275,206,3275,289,2975,309,917
78,000,0006,500,000-308,750-264,370-58,490-650,570-1,282,1805,217,8205,261,8205,352,7505,373,370
79,000,0006,583,333-312,700-267,760-59,240-670,310-1,310,0105,273,3235,317,3235,415,4435,436,823
80,000,0006,666,667-313,020-271,150-60,000-691,020-1,335,1905,331,4775,375,4775,474,4775,503,297
81,000,0006,750,000-313,020-274,540-60,740-711,810-1,360,1105,389,8905,433,8905,533,7705,566,770
82,000,0006,833,333-313,020-277,920-61,490-732,600-1,385,0305,448,3035,492,3035,593,0635,626,063
83,000,0006,916,667-313,020-281,320-62,250-753,390-1,409,9805,506,6875,550,6875,652,3275,685,327
84,000,0007,000,000-313,020-284,710-62,990-774,180-1,434,9005,565,1005,609,1005,711,6205,744,620
85,000,0007,083,333-313,020-288,090-63,740-794,970-1,459,8205,623,5135,667,5135,770,9135,803,913
86,000,0007,166,667-313,020-291,490-64,500-815,760-1,484,7705,681,8975,725,8975,830,1775,863,177
87,000,0007,250,000-313,020-294,870-65,240-836,550-1,509,6805,740,3205,784,3205,889,4805,922,480
88,000,0007,333,333-313,020-298,270-65,990-857,340-1,534,6205,798,7135,842,7135,948,7535,981,753
89,000,0007,416,667-313,020-301,650-66,750-878,130-1,559,5505,857,1175,901,1176,008,0376,041,037
90,000,0007,500,000-313,020-305,040-67,500-898,920-1,584,4805,915,5205,959,5206,067,3206,100,320
91,000,0007,583,333-313,020-308,440-68,240-919,710-1,609,4105,973,9236,017,9236,125,7236,158,723
92,000,0007,666,667-313,020-311,820-69,000-940,500-1,634,3406,032,3276,076,3276,184,1276,217,127
93,000,0007,750,000-313,020-315,210-69,750-961,290-1,659,2706,090,7306,134,7306,242,5306,275,530
94,000,0007,833,333-313,020-318,600-70,490-982,080-1,684,1906,149,1436,193,1436,300,9436,333,943
95,000,0007,916,667-313,020-321,990-71,250-1,002,870-1,709,1306,207,5376,251,5376,359,3376,392,337
96,000,0008,000,000-313,020-325,390-72,000-1,023,660-1,734,0706,265,9306,309,9306,417,7306,450,730
97,000,0008,083,333-313,020-328,770-72,740-1,044,450-1,758,9806,324,3536,368,3536,476,1536,509,153
98,000,0008,166,667-313,020-332,160-73,500-1,065,240-1,783,9206,382,7476,426,7476,534,5476,567,547
99,000,0008,250,000-313,020-335,550-74,250-1,086,030-1,808,8506,441,1506,485,1506,592,9506,625,950
100,000,0008,333,333-313,020-338,940-74,990-1,106,820-1,833,7706,499,5636,543,5636,651,3636,684,363
105,000,0008,750,000-313,020-355,890-78,750-1,214,070-1,961,7306,788,2706,832,2706,940,0706,973,070
110,000,0009,166,667-313,020-372,840-82,490-1,321,320-2,089,6707,076,9977,120,9977,228,7977,261,797
115,000,0009,583,333-313,020-389,780-86,250-1,459,010-2,248,0607,335,2737,399,4437,517,5137,550,513
120,000,00010,000,000-313,020-406,730-90,000-1,615,410-2,425,1607,574,8407,639,0007,796,2107,839,230
125,000,00010,416,667-313,020-423,670-93,740-1,799,320-2,629,7507,786,9177,851,0778,008,2878,056,417
130,000,00010,833,333-313,020-440,620-97,500-1,955,730-2,806,8708,026,4638,090,6338,247,8438,295,963
135,000,00011,250,000-313,020-457,570-101,240-2,112,140-2,983,9708,266,0308,330,2108,487,4108,535,530
140,000,00011,666,667-313,020-474,520-104,990-2,268,540-3,161,0708,505,5978,569,7678,726,9778,775,097
145,000,00012,083,333-313,020-491,460-108,750-2,424,950-3,338,1808,745,1538,809,3238,966,5339,014,653
150,000,00012,500,000-313,020-508,410-112,490-2,581,350-3,515,2708,984,7309,048,9009,206,1009,254,230
155,000,00012,916,667-313,020-525,360-116,240-2,737,760-3,692,3809,224,2879,288,4579,445,6579,493,787
160,000,00013,333,333-313,020-542,310-120,000-2,894,160-3,869,4909,463,8439,528,0039,685,2139,733,343
165,000,00013,750,000-313,020-559,260-123,740-3,050,570-4,046,5909,703,4109,767,5709,924,7809,972,910
170,000,00014,166,667-313,020-576,210-127,490-3,206,980-4,223,7009,942,96710,007,13710,164,34710,212,467
175,000,00014,583,333-313,020-593,150-131,250-3,363,390-4,400,81010,182,52310,246,70310,403,90310,452,023
180,000,00015,000,000-313,020-610,100-135,000-3,531,880-4,590,00010,410,00010,479,68010,643,47010,691,590
185,000,00015,416,667-313,020-627,040-138,740-3,701,680-4,780,48010,636,18710,705,84710,876,53710,928,787
190,000,00015,833,333-313,020-643,990-142,500-3,871,500-4,971,01010,862,32310,931,99311,102,67311,154,923
195,000,00016,250,000-313,020-660,940-146,250-4,041,310-5,161,52011,088,48011,158,15011,328,83011,381,080
200,000,00016,666,667-313,020-677,880-149,990-4,211,130-5,352,02011,314,64711,384,32711,554,99711,607,247

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