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 간이세액표(소득세법 시행령 별표 2)가 공제대상 가족 수가 많을수록 매월 원천징수 세액을 낮게 정해 두었기 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 간이세액표에서 가구원 수가 늘수록 세액이 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 소득세법 시행령 별표 2 근로소득 간이세액표 조회값을 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+)
20,000,0001,666,667-79,130-67,780-15,000-13,440-175,3501,491,3171,496,2671,504,7571,504,757
21,000,0001,750,000-83,120-71,170-15,740-15,480-185,5101,564,4901,569,4401,578,1701,579,970
22,000,0001,833,333-87,060-74,550-16,490-17,300-195,4001,637,9331,642,8831,651,6931,655,233
23,000,0001,916,667-91,010-77,950-17,250-19,120-205,3301,711,3371,716,2871,725,1671,728,877
24,000,0002,000,000-95,000-81,340-18,000-21,470-215,8101,784,1901,789,4401,798,4001,802,120
25,000,0002,083,333-98,940-84,730-18,740-24,290-226,7001,856,6331,862,8831,871,9331,875,633
26,000,0002,166,667-102,880-88,120-19,490-27,120-237,6101,929,0571,936,3271,945,4371,949,137
27,000,0002,250,000-106,870-91,500-20,250-30,310-248,9302,001,0702,008,7702,018,6702,022,390
28,000,0002,333,333-110,810-94,900-21,000-33,140-259,8502,073,4832,081,1832,092,1632,095,883
29,000,0002,416,667-114,760-98,280-21,740-35,970-270,7502,145,9172,153,6172,165,6872,169,397
30,000,0002,500,000-118,750-101,670-22,500-39,160-282,0802,217,9202,225,6202,238,9002,242,620
31,000,0002,583,333-122,690-105,070-23,250-42,170-293,1802,290,1532,297,8532,312,2832,315,993
32,000,0002,666,667-126,630-108,450-23,990-49,300-308,3702,358,2972,370,1172,384,9772,389,407
33,000,0002,750,000-130,620-111,850-24,740-57,780-324,9902,425,0102,441,9202,456,9002,462,500
34,000,0002,833,333-134,560-115,230-25,500-65,300-340,5902,492,7432,511,9932,529,2632,535,033
35,000,0002,916,667-138,510-118,620-26,240-72,840-356,2102,560,4572,579,7072,601,6072,607,387
36,000,0003,000,000-142,500-122,020-26,990-81,780-373,2902,626,7102,645,9602,673,3602,679,140
37,000,0003,083,333-146,440-125,400-27,750-89,300-388,8902,694,4432,713,6932,745,7132,751,483
38,000,0003,166,667-150,380-128,790-28,490-96,840-404,5002,762,1672,781,4172,818,0672,823,847
39,000,0003,250,000-154,370-132,180-29,240-104,970-420,7602,829,2402,849,1002,888,2702,896,140
40,000,0003,333,333-158,310-135,570-30,000-115,730-439,6102,893,7232,916,8032,956,2532,968,493
41,000,0003,416,667-162,260-138,950-30,740-126,480-458,4302,958,2372,984,5373,024,6173,039,057
42,000,0003,500,000-166,250-142,350-31,490-139,940-480,0303,019,9703,047,4703,091,2103,105,640
43,000,0003,583,333-170,190-145,740-32,250-150,700-498,8803,084,4533,111,9533,159,5633,174,013
44,000,0003,666,667-174,130-149,120-32,990-161,450-517,6903,148,9773,176,4773,227,9573,242,397
45,000,0003,750,000-178,120-152,520-33,750-172,210-536,6003,213,4003,240,9003,296,2603,310,690
46,000,0003,833,333-182,060-155,900-34,500-189,120-561,5803,271,7533,302,4233,362,5533,376,983
47,000,0003,916,667-186,010-159,300-35,240-200,870-581,4203,335,2473,365,9873,429,0173,444,697
48,000,0004,000,000-190,000-162,690-36,000-215,550-604,2403,395,7603,426,5703,490,7703,510,480
49,000,0004,083,333-193,940-166,070-36,750-227,300-624,0603,459,2733,490,1533,555,2733,575,893
50,000,0004,166,667-197,880-169,470-37,490-239,050-643,8903,522,7773,553,7273,619,7673,640,387
51,000,0004,250,000-201,870-172,850-38,250-250,800-663,7703,586,2303,617,2403,684,2103,704,840
52,000,0004,333,333-205,810-176,240-38,990-262,540-683,5803,649,7533,680,8233,748,7133,769,343
53,000,0004,416,667-209,760-179,630-39,750-274,290-703,4303,713,2373,744,3773,813,1973,833,817
54,000,0004,500,000-213,750-183,020-40,500-289,120-726,3903,773,6103,804,8303,874,8003,895,420
55,000,0004,583,333-217,690-186,420-41,240-304,210-749,5603,833,7733,865,0533,935,9533,956,573
56,000,0004,666,667-221,630-189,800-42,000-316,550-769,9803,896,6873,928,0373,999,8574,020,477
57,000,0004,750,000-225,620-193,190-42,750-328,900-790,4603,959,5403,990,9604,063,7004,084,330
58,000,0004,833,333-229,560-196,580-43,490-341,240-810,8704,022,4634,053,9434,127,6134,148,243
59,000,0004,916,667-233,510-199,970-44,250-353,580-831,3104,085,3574,116,9074,191,4974,212,117
60,000,0005,000,000-237,500-203,360-45,000-369,010-854,8704,145,1304,176,7604,252,5104,273,130
61,000,0005,083,333-241,440-206,750-45,740-381,350-875,2804,208,0534,239,7534,316,4234,337,043
62,000,0005,166,667-245,380-210,140-46,500-393,700-895,7204,270,9474,302,7174,380,3174,400,937
63,000,0005,250,000-249,370-213,520-47,250-406,040-916,1804,333,8204,365,6604,444,1704,464,800
64,000,0005,333,333-253,310-216,920-47,990-418,380-936,6004,396,7334,428,6334,508,0734,528,703
65,000,0005,416,667-257,260-220,300-48,750-430,720-957,0304,459,6374,491,5974,571,9674,592,587
66,000,0005,500,000-261,250-223,700-49,490-446,140-980,5804,519,4204,551,4604,632,9804,653,600
67,000,0005,583,333-265,190-227,090-50,240-458,490-1,001,0104,582,3234,614,4334,696,8834,717,503
68,000,0005,666,667-269,130-230,470-51,000-470,830-1,021,4304,645,2374,677,4174,760,7874,781,407
69,000,0005,750,000-273,120-233,870-51,740-483,170-1,041,9004,708,1004,740,3404,824,6304,845,260
70,000,0005,833,333-277,060-237,250-52,490-495,510-1,062,3104,771,0234,803,3234,888,5434,909,173
71,000,0005,916,667-281,010-240,640-53,250-531,540-1,106,4404,810,2274,844,6174,920,9974,941,627
72,000,0006,000,000-285,000-244,040-53,990-556,490-1,139,5204,860,4804,904,3104,981,6805,002,310
73,000,0006,083,333-288,940-247,420-54,740-576,450-1,167,5504,915,7834,967,1635,045,3335,065,953
74,000,0006,166,667-292,880-250,820-55,500-596,400-1,195,6004,971,0675,023,2075,108,9475,129,577
75,000,0006,250,000-296,870-254,200-56,240-616,370-1,223,6805,026,3205,078,5705,172,5505,193,180
76,000,0006,333,333-300,810-257,590-56,990-636,320-1,251,7105,081,6235,133,9835,236,1935,256,813
77,000,0006,416,667-304,760-260,980-57,750-656,280-1,279,7705,136,8975,189,3575,299,8075,320,437
78,000,0006,500,000-308,750-264,370-58,490-681,230-1,312,8405,187,1605,239,7605,360,5005,381,130
79,000,0006,583,333-312,690-267,760-59,240-701,190-1,340,8805,242,4535,295,1535,424,1435,444,763
80,000,0006,666,667-313,020-271,150-60,000-721,140-1,365,3105,301,3575,354,1575,488,4075,512,007
81,000,0006,750,000-313,020-274,540-60,740-741,110-1,389,4105,360,5905,413,5005,549,0205,579,590
82,000,0006,833,333-313,020-277,920-61,490-761,060-1,413,4905,419,8435,472,8635,609,6435,642,643
83,000,0006,916,667-313,020-281,320-62,250-781,020-1,437,6105,479,0575,532,1775,670,2275,703,227
84,000,0007,000,000-313,020-284,710-62,990-805,970-1,466,6905,533,3105,586,5705,726,2005,759,200
85,000,0007,083,333-313,020-288,090-63,740-825,930-1,490,7805,592,5535,645,9135,786,8235,819,823
86,000,0007,166,667-313,020-291,490-64,500-845,880-1,514,8905,651,7775,705,2375,847,4075,880,407
87,000,0007,250,000-313,020-294,870-65,240-865,850-1,538,9805,711,0205,764,5905,908,0305,941,030
88,000,0007,333,333-313,020-298,270-65,990-885,800-1,563,0805,770,2535,823,9335,968,6336,001,633
89,000,0007,416,667-313,020-301,650-66,750-905,760-1,587,1805,829,4875,883,2676,029,2376,062,237
90,000,0007,500,000-313,020-305,040-67,500-930,710-1,616,2705,883,7305,937,6506,085,2006,118,200
91,000,0007,583,333-313,020-308,440-68,240-950,670-1,640,3705,942,9635,996,9836,145,8136,178,813
92,000,0007,666,667-313,020-311,820-69,000-970,620-1,664,4606,002,2076,056,3276,206,4176,239,417
93,000,0007,750,000-313,020-315,210-69,750-990,590-1,688,5706,061,4306,115,6606,267,0206,300,020
94,000,0007,833,333-313,020-318,600-70,490-1,010,540-1,712,6506,120,6836,175,0236,327,6436,360,643
95,000,0007,916,667-313,020-321,990-71,250-1,030,500-1,736,7606,179,9076,234,3476,388,2376,421,237
96,000,0008,000,000-313,020-325,390-72,000-1,055,450-1,765,8606,234,1406,288,7206,444,1906,477,190
97,000,0008,083,333-313,020-328,770-72,740-1,075,410-1,789,9406,293,3936,348,0736,504,8236,537,823
98,000,0008,166,667-313,020-332,160-73,500-1,095,360-1,814,0406,352,6276,407,4076,565,4176,598,417
99,000,0008,250,000-313,020-335,550-74,250-1,115,330-1,838,1506,411,8506,466,7406,626,0206,659,020
100,000,0008,333,333-313,020-338,940-74,990-1,135,280-1,862,2306,471,1036,526,1036,686,6436,719,643
105,000,0008,750,000-313,020-355,890-78,750-1,243,370-1,991,0306,758,9706,814,5206,981,7207,014,720
110,000,0009,166,667-313,020-372,840-82,490-1,351,480-2,119,8307,046,8377,102,9477,276,8077,309,807
115,000,0009,583,333-313,020-389,780-86,250-1,504,230-2,293,2807,290,0537,372,6837,571,8737,604,873
120,000,00010,000,000-313,020-406,730-90,000-1,658,140-2,467,8907,532,1107,615,5307,869,3307,902,330
125,000,00010,416,667-313,020-423,670-93,740-1,842,840-2,673,2707,743,3977,826,8178,080,6178,113,617
130,000,00010,833,333-313,020-440,620-97,500-2,000,050-2,851,1907,982,1438,065,5538,319,3638,352,363
135,000,00011,250,000-313,020-457,570-101,240-2,157,260-3,029,0908,220,9108,304,3208,558,1308,591,130
140,000,00011,666,667-313,020-474,520-104,990-2,314,460-3,206,9908,459,6778,543,0878,796,8878,829,887
145,000,00012,083,333-313,020-491,460-108,750-2,471,670-3,384,9008,698,4338,781,8439,035,6439,068,643
150,000,00012,500,000-313,020-508,410-112,490-2,628,890-3,562,8108,937,1909,020,6109,274,4109,307,410
155,000,00012,916,667-313,020-525,360-116,240-2,786,090-3,740,7109,175,9579,259,3779,513,1779,546,177
160,000,00013,333,333-313,020-542,310-120,000-2,943,300-3,918,6309,414,7039,498,1139,751,9239,784,923
165,000,00013,750,000-313,020-559,260-123,740-3,100,510-4,096,5309,653,4709,736,8809,990,69010,023,690
170,000,00014,166,667-313,020-576,210-127,490-3,263,100-4,279,8209,886,8479,970,25710,224,05710,257,057
175,000,00014,583,333-313,020-593,150-131,250-3,433,790-4,471,21010,112,12310,195,53310,449,34310,482,343
180,000,00015,000,000-313,020-610,100-135,000-3,604,480-4,662,60010,337,40010,420,82010,674,62010,707,620
185,000,00015,416,667-313,020-627,040-138,740-3,775,150-4,853,95010,562,71710,646,12710,899,92710,932,927
190,000,00015,833,333-313,020-643,990-142,500-3,945,840-5,045,35010,787,98310,871,39311,125,20311,158,203
195,000,00016,250,000-313,020-660,940-146,250-4,116,530-5,236,74011,013,26011,096,68011,350,48011,383,480
200,000,00016,666,667-313,020-677,880-149,990-4,287,200-5,428,09011,238,57711,321,98711,575,78711,608,787

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