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2019년 1월 연봉 실수령액 표 (부양가족 1인, 비과세 10만원)
(https://best79.com/salary/table/)
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
1,000만원 833,333 770,350 62,980 32,530 23,680 2,010 4,760 0 0
1,100만원 916,667 846,530 70,130 36,220 26,370 2,240 5,300 0 0
1,200만원 1,000,000 922,700 77,300 39,910 29,070 2,470 5,850 0 0
1,300만원 1,083,333 998,880 84,450 43,600 31,760 2,700 6,390 0 0
1,400만원 1,166,667 1,073,790 92,870 47,340 34,450 2,930 6,930 1,110 110
1,500만원 1,250,000 1,148,670 101,330 51,030 37,140 3,160 7,470 2,300 230
1,600만원 1,333,333 1,223,630 109,700 54,720 39,830 3,390 8,010 3,410 340
1,700만원 1,416,667 1,298,020 118,640 58,410 42,520 3,610 8,550 5,050 500
1,800만원 1,500,000 1,372,210 127,790 62,100 45,220 3,840 9,100 6,850 680
1,900만원 1,583,333 1,446,520 136,810 65,830 47,910 4,070 9,640 8,510 850
2,000만원 1,666,667 1,520,890 145,770 69,520 50,600 4,300 10,180 10,160 1,010
2,100만원 1,750,000 1,595,030 154,970 73,210 53,290 4,530 10,720 12,020 1,200
2,200만원 1,833,333 1,669,400 163,930 76,900 55,980 4,760 11,260 13,670 1,360
2,300만원 1,916,667 1,743,760 172,900 80,590 58,670 4,990 11,800 15,320 1,530
2,400만원 2,000,000 1,817,890 182,110 84,280 61,370 5,220 12,350 17,180 1,710
2,500만원 2,083,333 1,892,150 191,180 88,020 64,060 5,450 12,890 18,880 1,880
2,600만원 2,166,667 1,965,500 201,160 91,710 66,750 5,680 13,430 21,450 2,140
2,700만원 2,250,000 2,038,520 211,480 95,400 69,440 5,900 13,970 24,340 2,430
2,800만원 2,333,333 2,111,870 221,460 99,090 72,130 6,130 14,510 26,910 2,690
2,900만원 2,416,667 2,185,230 231,430 102,780 74,820 6,360 15,050 29,480 2,940
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
3,000만원 2,500,000 2,256,860 243,140 106,510 77,520 6,590 15,600 33,570 3,350
3,100만원 2,583,333 2,325,960 257,370 110,200 80,210 6,820 16,140 40,000 4,000
3,200만원 2,666,667 2,394,700 271,960 113,890 82,900 7,050 16,680 46,770 4,670
3,300만원 2,750,000 2,462,420 287,580 117,580 85,590 7,280 17,220 54,470 5,440
3,400만원 2,833,333 2,531,070 302,260 121,270 88,280 7,510 17,760 61,310 6,130
3,500만원 2,916,667 2,599,670 316,990 125,010 90,970 7,740 18,300 68,160 6,810
3,600만원 3,000,000 2,666,900 333,100 128,700 93,670 7,970 18,850 76,290 7,620
3,700만원 3,083,333 2,735,540 347,790 132,390 96,360 8,200 19,390 83,140 8,310
3,800만원 3,166,667 2,804,210 362,450 136,080 99,050 8,420 19,930 89,980 8,990
3,900만원 3,250,000 2,871,340 378,660 139,770 101,740 8,650 20,470 98,210 9,820
4,000만원 3,333,333 2,936,730 396,600 143,500 104,430 8,880 21,010 107,990 10,790
4,100만원 3,416,667 3,002,150 414,510 147,190 107,120 9,110 21,550 117,770 11,770
4,200만원 3,500,000 3,064,880 435,120 150,880 109,820 9,340 22,100 129,990 12,990
4,300만원 3,583,333 3,130,300 453,030 154,570 112,510 9,570 22,640 139,770 13,970
4,400만원 3,666,667 3,195,720 470,940 158,260 115,200 9,800 23,180 149,550 14,950
4,500만원 3,750,000 3,261,100 488,900 162,000 117,890 10,030 23,720 159,330 15,930
4,600만원 3,833,333 3,326,520 506,810 165,690 120,580 10,260 24,260 169,110 16,910
4,700만원 3,916,667 3,386,040 530,620 169,380 123,270 10,490 24,800 184,260 18,420
4,800만원 4,000,000 3,447,520 552,480 173,070 125,970 10,720 25,350 197,610 19,760
4,900만원 4,083,333 3,511,970 571,360 176,760 128,660 10,940 25,890 208,290 20,820
5,000만원 4,166,667 3,576,400 590,260 180,450 131,350 11,170 26,430 218,970 21,890
5,100만원 4,250,000 3,640,800 609,200 184,180 134,040 11,400 26,970 229,650 22,960
5,200만원 4,333,333 3,705,230 628,100 187,870 136,730 11,630 27,510 240,330 24,030
5,300만원 4,416,667 3,769,660 647,000 191,560 139,420 11,860 28,050 251,010 25,100
5,400만원 4,500,000 3,831,150 668,850 195,250 142,120 12,090 28,600 264,360 26,430
5,500만원 4,583,333 3,895,580 687,750 198,940 144,810 12,320 29,140 275,040 27,500
5,600만원 4,666,667 3,959,370 707,290 202,680 147,500 12,550 29,680 286,260 28,620
5,700만원 4,750,000 4,020,470 729,530 206,370 150,190 12,780 30,220 299,980 29,990
5,800만원 4,833,333 4,084,300 749,030 210,060 152,880 13,010 30,760 311,200 31,120
5,900만원 4,916,667 4,151,300 765,360 210,600 155,570 13,230 31,300 322,420 32,240
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
6,000만원 5,000,000 4,215,740 784,260 210,600 158,270 13,460 31,850 336,440 33,640
6,100만원 5,083,333 4,283,270 800,060 210,600 160,960 13,690 32,390 347,660 34,760
6,200만원 5,166,667 4,350,800 815,860 210,600 163,650 13,920 32,930 358,880 35,880
6,300만원 5,250,000 4,418,330 831,670 210,600 166,340 14,150 33,470 370,100 37,010
6,400만원 5,333,333 4,485,860 847,470 210,600 169,030 14,380 34,010 381,320 38,130
6,500만원 5,416,667 4,553,390 863,270 210,600 171,720 14,610 34,550 392,540 39,250
6,600만원 5,500,000 4,617,820 882,180 210,600 174,420 14,840 35,100 406,570 40,650
6,700만원 5,583,333 4,685,350 897,980 210,600 177,110 15,070 35,640 417,790 41,770
6,800만원 5,666,667 4,752,870 913,790 210,600 179,800 15,300 36,180 429,010 42,900
6,900만원 5,750,000 4,815,320 934,680 210,600 182,490 15,530 36,720 444,860 44,480
7,000만원 5,833,333 4,875,440 957,890 210,600 185,180 15,750 37,260 462,820 46,280
7,100만원 5,916,667 4,935,570 981,090 210,600 187,870 15,980 37,800 480,770 48,070
7,200만원 6,000,000 4,963,230 1,036,770 210,600 190,570 16,210 38,350 528,220 52,820
7,300만원 6,083,333 5,023,140 1,060,190 210,600 193,260 16,440 38,890 546,370 54,630
7,400만원 6,166,667 5,083,050 1,083,610 210,600 195,950 16,670 39,430 564,510 56,450
7,500만원 6,250,000 5,142,970 1,107,030 210,600 198,640 16,900 39,970 582,660 58,260
7,600만원 6,333,333 5,202,880 1,130,450 210,600 201,330 17,130 40,510 600,800 60,080
7,700만원 6,416,667 5,262,800 1,153,860 210,600 204,020 17,360 41,050 618,940 61,890
7,800만원 6,500,000 5,317,710 1,182,290 210,600 206,720 17,590 41,600 641,620 64,160
7,900만원 6,583,333 5,377,620 1,205,710 210,600 209,410 17,820 42,140 659,770 65,970
8,000만원 6,666,667 5,437,540 1,229,120 210,600 212,100 18,040 42,680 677,910 67,790
8,100만원 6,750,000 5,497,460 1,252,540 210,600 214,790 18,270 43,220 696,060 69,600
8,200만원 6,833,333 5,557,370 1,275,960 210,600 217,480 18,500 43,760 714,200 71,420
8,300만원 6,916,667 5,617,290 1,299,370 210,600 220,170 18,730 44,300 732,340 73,230
8,400만원 7,000,000 5,672,200 1,327,800 210,600 222,870 18,960 44,850 755,020 75,500
8,500만원 7,083,333 5,732,110 1,351,220 210,600 225,560 19,190 45,390 773,170 77,310
8,600만원 7,166,667 5,792,020 1,374,640 210,600 228,250 19,420 45,930 791,310 79,130
8,700만원 7,250,000 5,851,940 1,398,060 210,600 230,940 19,650 46,470 809,460 80,940
8,800만원 7,333,333 5,911,850 1,421,480 210,600 233,630 19,880 47,010 827,600 82,760
8,900만원 7,416,667 5,971,770 1,444,890 210,600 236,320 20,110 47,550 845,740 84,570
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
9,000만원 7,500,000 6,026,680 1,473,320 210,600 239,020 20,340 48,100 868,420 86,840
9,100만원 7,583,333 6,086,600 1,496,730 210,600 241,710 20,560 48,640 886,570 88,650
9,200만원 7,666,667 6,146,510 1,520,150 210,600 244,400 20,790 49,180 904,710 90,470
9,300만원 7,750,000 6,206,430 1,543,570 210,600 247,090 21,020 49,720 922,860 92,280
9,400만원 7,833,333 6,266,340 1,566,990 210,600 249,780 21,250 50,260 941,000 94,100
9,500만원 7,916,667 6,326,260 1,590,400 210,600 252,470 21,480 50,800 959,140 95,910
9,600만원 8,000,000 6,381,170 1,618,830 210,600 255,170 21,710 51,350 981,820 98,180
9,700만원 8,083,333 6,441,080 1,642,250 210,600 257,860 21,940 51,890 999,970 99,990
9,800만원 8,166,667 6,500,990 1,665,670 210,600 260,550 22,170 52,430 1,018,110 101,810
9,900만원 8,250,000 6,560,910 1,689,090 210,600 263,240 22,400 52,970 1,036,260 103,620
1억원 8,333,333 6,620,820 1,712,510 210,600 265,930 22,630 53,510 1,054,400 105,440
1억100만원 8,416,667 6,680,740 1,735,920 210,600 268,620 22,860 54,050 1,072,540 107,250
1억200만원 8,500,000 6,735,050 1,764,950 210,600 271,320 23,080 54,600 1,095,780 109,570
1억300만원 8,583,333 6,794,320 1,789,010 210,600 274,010 23,310 55,140 1,114,500 111,450
1억400만원 8,666,667 6,853,600 1,813,060 210,600 276,700 23,540 55,680 1,133,220 113,320
1억500만원 8,750,000 6,912,890 1,837,110 210,600 279,390 23,770 56,220 1,151,940 115,190
1억600만원 8,833,333 6,972,170 1,861,160 210,600 282,080 24,000 56,760 1,170,660 117,060
1억700만원 8,916,667 7,031,450 1,885,210 210,600 284,770 24,230 57,300 1,189,380 118,930
1억800만원 9,000,000 7,085,570 1,914,430 210,600 287,470 24,460 57,850 1,212,780 121,270
1억900만원 9,083,333 7,144,840 1,938,490 210,600 290,160 24,690 58,390 1,231,500 123,150
1억1,000만원 9,166,667 7,204,120 1,962,540 210,600 292,850 24,920 58,930 1,250,220 125,020
1억1,100만원 9,250,000 7,263,410 1,986,590 210,600 295,540 25,150 59,470 1,268,940 126,890
1억1,200만원 9,333,333 7,320,520 2,012,810 210,600 298,230 25,370 60,010 1,289,640 128,960
1억1,300만원 9,416,667 7,370,360 2,046,300 210,600 300,920 25,600 60,550 1,316,940 131,690
1억1,400만원 9,500,000 7,412,680 2,087,320 210,600 303,620 25,830 61,100 1,351,070 135,100
1억1,500만원 9,583,333 7,462,520 2,120,810 210,600 306,310 26,060 61,640 1,378,370 137,830
1억1,600만원 9,666,667 7,512,360 2,154,300 210,600 309,000 26,290 62,180 1,405,670 140,560
1억1,700만원 9,750,000 7,562,210 2,187,790 210,600 311,690 26,520 62,720 1,432,970 143,290
1억1,800만원 9,833,333 7,612,050 2,221,280 210,600 314,380 26,750 63,260 1,460,270 146,020
1억1,900만원 9,916,667 7,661,890 2,254,770 210,600 317,070 26,980 63,800 1,487,570 148,750
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
1억2,000만원 10,000,000 7,707,970 2,292,030 210,600 319,770 27,210 64,350 1,518,280 151,820
1억2,100만원 10,083,333 7,756,550 2,326,780 210,600 322,460 27,440 64,890 1,546,720 154,670
1억2,200만원 10,166,667 7,805,030 2,361,630 210,600 325,150 27,670 65,430 1,575,260 157,520
1억2,300만원 10,250,000 7,853,470 2,396,530 210,600 327,840 27,890 65,970 1,603,850 160,380
1억2,400만원 10,333,333 7,901,900 2,431,430 210,600 330,530 28,120 66,510 1,632,430 163,240
1억2,500만원 10,416,667 7,950,330 2,466,330 210,600 333,220 28,350 67,050 1,661,010 166,100
1억2,600만원 10,500,000 7,998,740 2,501,260 210,600 335,920 28,580 67,600 1,689,600 168,960
1억2,700만원 10,583,333 8,047,180 2,536,150 210,600 338,610 28,810 68,140 1,718,180 171,810
1억2,800만원 10,666,667 8,095,610 2,571,050 210,600 341,300 29,040 68,680 1,746,760 174,670
1억2,900만원 10,750,000 8,144,040 2,605,960 210,600 343,990 29,270 69,220 1,775,350 177,530
1억3,000만원 10,833,333 8,192,470 2,640,860 210,600 346,680 29,500 69,760 1,803,930 180,390
1억3,100만원 10,916,667 8,240,900 2,675,760 210,600 349,370 29,730 70,300 1,832,510 183,250
1억3,200만원 11,000,000 8,289,310 2,710,690 210,600 352,070 29,960 70,850 1,861,100 186,110
1억3,300만원 11,083,333 8,337,750 2,745,580 210,600 354,760 30,190 71,390 1,889,680 188,960
1억3,400만원 11,166,667 8,386,190 2,780,470 210,600 357,450 30,410 71,930 1,918,260 191,820
1억3,500만원 11,250,000 8,434,620 2,815,380 210,600 360,140 30,640 72,470 1,946,850 194,680
1억3,600만원 11,333,333 8,483,050 2,850,280 210,600 362,830 30,870 73,010 1,975,430 197,540
1억3,700만원 11,416,667 8,531,480 2,885,180 210,600 365,520 31,100 73,550 2,004,010 200,400
1억3,800만원 11,500,000 8,579,890 2,920,110 210,600 368,220 31,330 74,100 2,032,600 203,260
1억3,900만원 11,583,333 8,628,330 2,955,000 210,600 370,910 31,560 74,640 2,061,180 206,110
1억4,000만원 11,666,667 8,676,760 2,989,900 210,600 373,600 31,790 75,180 2,089,760 208,970
1억4,100만원 11,750,000 8,725,190 3,024,810 210,600 376,290 32,020 75,720 2,118,350 211,830
1억4,200만원 11,833,333 8,773,620 3,059,710 210,600 378,980 32,250 76,260 2,146,930 214,690
1억4,300만원 11,916,667 8,822,050 3,094,610 210,600 381,670 32,480 76,800 2,175,510 217,550
1억4,400만원 12,000,000 8,870,470 3,129,530 210,600 384,370 32,700 77,350 2,204,100 220,410
1억4,500만원 12,083,333 8,918,910 3,164,420 210,600 387,060 32,930 77,890 2,232,680 223,260
1억4,600만원 12,166,667 8,967,340 3,199,320 210,600 389,750 33,160 78,430 2,261,260 226,120
1억4,700만원 12,250,000 9,015,770 3,234,230 210,600 392,440 33,390 78,970 2,289,850 228,980
1억4,800만원 12,333,333 9,064,200 3,269,130 210,600 395,130 33,620 79,510 2,318,430 231,840
1억4,900만원 12,416,667 9,112,630 3,304,030 210,600 397,820 33,850 80,050 2,347,010 234,700
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
1억5,000만원 12,500,000 9,161,040 3,338,960 210,600 400,520 34,080 80,600 2,375,600 237,560
1억5,100만원 12,583,333 9,209,480 3,373,850 210,600 403,210 34,310 81,140 2,404,180 240,410
1억5,200만원 12,666,667 9,257,910 3,408,750 210,600 405,900 34,540 81,680 2,432,760 243,270
1억5,300만원 12,750,000 9,306,340 3,443,660 210,600 408,590 34,770 82,220 2,461,350 246,130
1억5,400만원 12,833,333 9,354,770 3,478,560 210,600 411,280 35,000 82,760 2,489,930 248,990
1억5,500만원 12,916,667 9,403,210 3,513,450 210,600 413,970 35,220 83,300 2,518,510 251,850
1억5,600만원 13,000,000 9,451,620 3,548,380 210,600 416,670 35,450 83,850 2,547,100 254,710
1억5,700만원 13,083,333 9,500,060 3,583,270 210,600 419,360 35,680 84,390 2,575,680 257,560
1억5,800만원 13,166,667 9,548,490 3,618,170 210,600 422,050 35,910 84,930 2,604,260 260,420
1억5,900만원 13,250,000 9,596,920 3,653,080 210,600 424,740 36,140 85,470 2,632,850 263,280
1억6,000만원 13,333,333 9,645,350 3,687,980 210,600 427,430 36,370 86,010 2,661,430 266,140
1억6,100만원 13,416,667 9,693,780 3,722,880 210,600 430,120 36,600 86,550 2,690,010 269,000
1억6,200만원 13,500,000 9,742,190 3,757,810 210,600 432,820 36,830 87,100 2,718,600 271,860
1억6,300만원 13,583,333 9,790,630 3,792,700 210,600 435,510 37,060 87,640 2,747,180 274,710
1억6,400만원 13,666,667 9,839,060 3,827,600 210,600 438,200 37,290 88,180 2,775,760 277,570
1억6,500만원 13,750,000 9,887,490 3,862,510 210,600 440,890 37,520 88,720 2,804,350 280,430
1억6,600만원 13,833,333 9,935,930 3,897,400 210,600 443,580 37,740 89,260 2,832,930 283,290
1억6,700만원 13,916,667 9,984,360 3,932,300 210,600 446,270 37,970 89,800 2,861,510 286,150
1억6,800만원 14,000,000 10,032,770 3,967,230 210,600 448,970 38,200 90,350 2,890,100 289,010
1억6,900만원 14,083,333 10,081,210 4,002,120 210,600 451,660 38,430 90,890 2,918,680 291,860
1억7,000만원 14,166,667 10,127,480 4,039,180 210,600 454,350 38,660 91,430 2,949,220 294,920
1억7,100만원 14,250,000 10,173,220 4,076,780 210,600 457,040 38,890 91,970 2,980,260 298,020
1억7,200만원 14,333,333 10,218,960 4,114,370 210,600 459,730 39,120 92,510 3,011,290 301,120
1억7,300만원 14,416,667 10,264,690 4,151,970 210,600 462,420 39,350 93,050 3,042,320 304,230
1억7,400만원 14,500,000 10,310,410 4,189,590 210,600 465,120 39,580 93,600 3,073,360 307,330
1억7,500만원 14,583,333 10,356,150 4,227,180 210,600 467,810 39,810 94,140 3,104,390 310,430
1억7,600만원 14,666,667 10,401,890 4,264,770 210,600 470,500 40,030 94,680 3,135,420 313,540
1억7,700만원 14,750,000 10,447,630 4,302,370 210,600 473,190 40,260 95,220 3,166,460 316,640
1억7,800만원 14,833,333 10,493,370 4,339,960 210,600 475,880 40,490 95,760 3,197,490 319,740
1억7,900만원 14,916,667 10,539,100 4,377,560 210,600 478,570 40,720 96,300 3,228,520 322,850
연봉 월급여액 실수령액 공제액계 4대보험 (근로자 부담분) 세금
국민
연금
건강
보험
장기
요양
고용
보험
소득세 주민세
1억8,000만원 15,000,000 10,584,820 4,415,180 210,600 481,270 40,950 96,850 3,259,560 325,950
1억8,100만원 15,083,333 10,630,560 4,452,770 210,600 483,960 41,180 97,390 3,290,590 329,050
1억8,200만원 15,166,667 10,676,290 4,490,370 210,600 486,650 41,410 97,930 3,321,620 332,160
1억8,300만원 15,250,000 10,722,030 4,527,970 210,600 489,340 41,640 98,470 3,352,660 335,260
1억8,400만원 15,333,333 10,767,770 4,565,560 210,600 492,030 41,870 99,010 3,383,690 338,360
1억8,500만원 15,416,667 10,813,500 4,603,160 210,600 494,720 42,100 99,550 3,414,720 341,470
1억8,600만원 15,500,000 10,859,220 4,640,780 210,600 497,420 42,330 100,100 3,445,760 344,570
1억8,700만원 15,583,333 10,904,970 4,678,360 210,600 500,110 42,550 100,640 3,476,790 347,670
1억8,800만원 15,666,667 10,950,700 4,715,960 210,600 502,800 42,780 101,180 3,507,820 350,780
1억8,900만원 15,750,000 10,996,440 4,753,560 210,600 505,490 43,010 101,720 3,538,860 353,880
1억9,000만원 15,833,333 11,042,180 4,791,150 210,600 508,180 43,240 102,260 3,569,890 356,980
1억9,100만원 15,916,667 11,087,910 4,828,750 210,600 510,870 43,470 102,800 3,600,920 360,090
1억9,200만원 16,000,000 11,133,630 4,866,370 210,600 513,570 43,700 103,350 3,631,960 363,190
1억9,300만원 16,083,333 11,179,370 4,903,960 210,600 516,260 43,930 103,890 3,662,990 366,290
1억9,400만원 16,166,667 11,225,100 4,941,560 210,600 518,950 44,160 104,430 3,694,020 369,400
1억9,500만원 16,250,000 11,270,840 4,979,160 210,600 521,640 44,390 104,970 3,725,060 372,500
1억9,600만원 16,333,333 11,316,580 5,016,750 210,600 524,330 44,620 105,510 3,756,090 375,600
1억9,700만원 16,416,667 11,362,310 5,054,350 210,600 527,020 44,850 106,050 3,787,120 378,710
1억9,800만원 16,500,000 11,408,040 5,091,960 210,600 529,720 45,070 106,600 3,818,160 381,810
1억9,900만원 16,583,333 11,453,780 5,129,550 210,600 532,410 45,300 107,140 3,849,190 384,910
2억원 16,666,667 11,499,510 5,167,150 210,600 535,100 45,530 107,680 3,880,220 388,020
카카오톡 보내기

※ 계산 근거 자료

  • 국민연금 - 기본 요율 9%, 2018년 7월부터 기준소득월액 상한액 변경(30 ~ 468만원)
  • 건강보험 - 2019년 1월부터 6.24% -> 6.46% 변경
  • 고용보험 - 2013년 7월부터 0.65% 변경분 반영
  • 소 득 세 - 2018년 2월 개정된 근로소득 간이세액표 반영 (100% 적용시 기준)

※ 오차 가능성 안내

  • 실제 지급 조건, 과거 소득, 비과세액 등에 따라 약간의 차이가 있을 수 있습니다.
  • 연봉계산기의 계산 결과는 '근로자 부담분'만 표시됩니다. 즉 국민연금 9% 기준으로 '근로자 부담분 50%'인 4.5%만 계산됩니다.


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