연금개혁안으로 줄어드는 내 월급 확인하기


2025년부터 시행될 연금개혁안을 보면 가장 눈길이 가는 것은 보험료율 인상입니다. 기존 9%에서 13%로 인상되는데 직장인의 경우 기업과 개인이 반반씩 부담하고 있으니, 13%도 반반씩 부담하면 6.5%가 월급에서 나가게 됩니다.




줄어들 월급 (추가부담액)을 알아볼까요?


세대에 따라 13% 부담하는 시기는 다르지만 최종적으로 보험요율이 13%에 도달하면 200만원을 받는 직장인의 경우, 기존보다 월 3만원을 추가 부담하게 됩니다.


월급이 100만원 ~ 619만원(상한선)인 경우 아래 표에서 추가 부담액을 확인해보세요.

월급
(만원)

기존부담
(4.5%)

변경부담
(6.5%)

줄어드는
월급
(추가부담)

1,000,000

45,000

65,000

20,000

1,010,000

45,450

65,650

20,200

1,020,000

45,900

66,300

20,400

1,030,000

46,350

66,950

20,600

1,040,000

46,800

67,600

20,800

1,050,000

47,250

68,250

21,000

1,060,000

47,700

68,900

21,200

1,070,000

48,150

69,550

21,400

1,080,000

48,600

70,200

21,600

1,090,000

49,050

70,850

21,800

1,100,000

49,500

71,500

22,000

1,110,000

49,950

72,150

22,200

1,120,000

50,400

72,800

22,400

1,130,000

50,850

73,450

22,600

1,140,000

51,300

74,100

22,800

1,150,000

51,750

74,750

23,000

1,160,000

52,200

75,400

23,200

1,170,000

52,650

76,050

23,400

1,180,000

53,100

76,700

23,600

1,190,000

53,550

77,350

23,800

1,200,000

54,000

78,000

24,000

1,210,000

54,450

78,650

24,200

1,220,000

54,900

79,300

24,400

1,230,000

55,350

79,950

24,600

1,240,000

55,800

80,600

24,800

1,250,000

56,250

81,250

25,000

1,260,000

56,700

81,900

25,200

1,270,000

57,150

82,550

25,400

1,280,000

57,600

83,200

25,600

1,290,000

58,050

83,850

25,800

1,300,000

58,500

84,500

26,000

1,310,000

58,950

85,150

26,200

1,320,000

59,400

85,800

26,400

1,330,000

59,850

86,450

26,600

1,340,000

60,300

87,100

26,800

1,350,000

60,750

87,750

27,000

1,360,000

61,200

88,400

27,200

1,370,000

61,650

89,050

27,400

1,380,000

62,100

89,700

27,600

1,390,000

62,550

90,350

27,800

1,400,000

63,000

91,000

28,000

1,410,000

63,450

91,650

28,200

1,420,000

63,900

92,300

28,400

1,430,000

64,350

92,950

28,600

1,440,000

64,800

93,600

28,800

1,450,000

65,250

94,250

29,000

1,460,000

65,700

94,900

29,200

1,470,000

66,150

95,550

29,400

1,480,000

66,600

96,200

29,600

1,490,000

67,050

96,850

29,800

1,500,000

67,500

97,500

30,000

1,510,000

67,950

98,150

30,200

1,520,000

68,400

98,800

30,400

1,530,000

68,850

99,450

30,600

1,540,000

69,300

100,100

30,800

1,550,000

69,750

100,750

31,000

1,560,000

70,200

101,400

31,200

1,570,000

70,650

102,050

31,400

1,580,000

71,100

102,700

31,600

1,590,000

71,550

103,350

31,800

1,600,000

72,000

104,000

32,000

1,610,000

72,450

104,650

32,200

1,620,000

72,900

105,300

32,400

1,630,000

73,350

105,950

32,600

1,640,000

73,800

106,600

32,800

1,650,000

74,250

107,250

33,000

1,660,000

74,700

107,900

33,200

1,670,000

75,150

108,550

33,400

1,680,000

75,600

109,200

33,600

1,690,000

76,050

109,850

33,800

1,700,000

76,500

110,500

34,000

1,710,000

76,950

111,150

34,200

1,720,000

77,400

111,800

34,400

1,730,000

77,850

112,450

34,600

1,740,000

78,300

113,100

34,800

1,750,000

78,750

113,750

35,000

1,760,000

79,200

114,400

35,200

1,770,000

79,650

115,050

35,400

1,780,000

80,100

115,700

35,600

1,790,000

80,550

116,350

35,800

1,800,000

81,000

117,000

36,000

1,810,000

81,450

117,650

36,200

1,820,000

81,900

118,300

36,400

1,830,000

82,350

118,950

36,600

1,840,000

82,800

119,600

36,800

1,850,000

83,250

120,250

37,000

1,860,000

83,700

120,900

37,200

1,870,000

84,150

121,550

37,400

1,880,000

84,600

122,200

37,600

1,890,000

85,050

122,850

37,800

1,900,000

85,500

123,500

38,000

1,910,000

85,950

124,150

38,200

1,920,000

86,400

124,800

38,400

1,930,000

86,850

125,450

38,600

1,940,000

87,300

126,100

38,800

1,950,000

87,750

126,750

39,000

1,960,000

88,200

127,400

39,200

1,970,000

88,650

128,050

39,400

1,980,000

89,100

128,700

39,600

1,990,000

89,550

129,350

39,800

2,000,000

90,000

130,000

40,000

2,010,000

90,450

130,650

40,200

2,020,000

90,900

131,300

40,400

2,030,000

91,350

131,950

40,600

2,040,000

91,800

132,600

40,800

2,050,000

92,250

133,250

41,000

2,060,000

92,700

133,900

41,200

2,070,000

93,150

134,550

41,400

2,080,000

93,600

135,200

41,600

2,090,000

94,050

135,850

41,800

2,100,000

94,500

136,500

42,000

2,110,000

94,950

137,150

42,200

2,120,000

95,400

137,800

42,400

2,130,000

95,850

138,450

42,600

2,140,000

96,300

139,100

42,800

2,150,000

96,750

139,750

43,000

2,160,000

97,200

140,400

43,200

2,170,000

97,650

141,050

43,400

2,180,000

98,100

141,700

43,600

2,190,000

98,550

142,350

43,800

2,200,000

99,000

143,000

44,000

2,210,000

99,450

143,650

44,200

2,220,000

99,900

144,300

44,400

2,230,000

100,350

144,950

44,600

2,240,000

100,800

145,600

44,800

2,250,000

101,250

146,250

45,000

2,260,000

101,700

146,900

45,200

2,270,000

102,150

147,550

45,400

2,280,000

102,600

148,200

45,600

2,290,000

103,050

148,850

45,800

2,300,000

103,500

149,500

46,000

2,310,000

103,950

150,150

46,200

2,320,000

104,400

150,800

46,400

2,330,000

104,850

151,450

46,600

2,340,000

105,300

152,100

46,800

2,350,000

105,750

152,750

47,000

2,360,000

106,200

153,400

47,200

2,370,000

106,650

154,050

47,400

2,380,000

107,100

154,700

47,600

2,390,000

107,550

155,350

47,800

2,400,000

108,000

156,000

48,000

2,410,000

108,450

156,650

48,200

2,420,000

108,900

157,300

48,400

2,430,000

109,350

157,950

48,600

2,440,000

109,800

158,600

48,800

2,450,000

110,250

159,250

49,000

2,460,000

110,700

159,900

49,200

2,470,000

111,150

160,550

49,400

2,480,000

111,600

161,200

49,600

2,490,000

112,050

161,850

49,800

2,500,000

112,500

162,500

50,000

2,510,000

112,950

163,150

50,200

2,520,000

113,400

163,800

50,400

2,530,000

113,850

164,450

50,600

2,540,000

114,300

165,100

50,800

2,550,000

114,750

165,750

51,000

2,560,000

115,200

166,400

51,200

2,570,000

115,650

167,050

51,400

2,580,000

116,100

167,700

51,600

2,590,000

116,550

168,350

51,800

2,600,000

117,000

169,000

52,000

2,610,000

117,450

169,650

52,200

2,620,000

117,900

170,300

52,400

2,630,000

118,350

170,950

52,600

2,640,000

118,800

171,600

52,800

2,650,000

119,250

172,250

53,000

2,660,000

119,700

172,900

53,200

2,670,000

120,150

173,550

53,400

2,680,000

120,600

174,200

53,600

2,690,000

121,050

174,850

53,800

2,700,000

121,500

175,500

54,000

2,710,000

121,950

176,150

54,200

2,720,000

122,400

176,800

54,400

2,730,000

122,850

177,450

54,600

2,740,000

123,300

178,100

54,800

2,750,000

123,750

178,750

55,000

2,760,000

124,200

179,400

55,200

2,770,000

124,650

180,050

55,400

2,780,000

125,100

180,700

55,600

2,790,000

125,550

181,350

55,800

2,800,000

126,000

182,000

56,000

2,810,000

126,450

182,650

56,200

2,820,000

126,900

183,300

56,400

2,830,000

127,350

183,950

56,600

2,840,000

127,800

184,600

56,800

2,850,000

128,250

185,250

57,000

2,860,000

128,700

185,900

57,200

2,870,000

129,150

186,550

57,400

2,880,000

129,600

187,200

57,600

2,890,000

130,050

187,850

57,800

2,900,000

130,500

188,500

58,000

2,910,000

130,950

189,150

58,200

2,920,000

131,400

189,800

58,400

2,930,000

131,850

190,450

58,600

2,940,000

132,300

191,100

58,800

2,950,000

132,750

191,750

59,000

2,960,000

133,200

192,400

59,200

2,970,000

133,650

193,050

59,400

2,980,000

134,100

193,700

59,600

2,990,000

134,550

194,350

59,800

3,000,000

135,000

195,000

60,000

3,010,000

135,450

195,650

60,200

3,020,000

135,900

196,300

60,400

3,030,000

136,350

196,950

60,600

3,040,000

136,800

197,600

60,800

3,050,000

137,250

198,250

61,000

3,060,000

137,700

198,900

61,200

3,070,000

138,150

199,550

61,400

3,080,000

138,600

200,200

61,600

3,090,000

139,050

200,850

61,800

3,100,000

139,500

201,500

62,000

3,110,000

139,950

202,150

62,200

3,120,000

140,400

202,800

62,400

3,130,000

140,850

203,450

62,600

3,140,000

141,300

204,100

62,800

3,150,000

141,750

204,750

63,000

3,160,000

142,200

205,400

63,200

3,170,000

142,650

206,050

63,400

3,180,000

143,100

206,700

63,600

3,190,000

143,550

207,350

63,800

3,200,000

144,000

208,000

64,000

3,210,000

144,450

208,650

64,200

3,220,000

144,900

209,300

64,400

3,230,000

145,350

209,950

64,600

3,240,000

145,800

210,600

64,800

3,250,000

146,250

211,250

65,000

3,260,000

146,700

211,900

65,200

3,270,000

147,150

212,550

65,400

3,280,000

147,600

213,200

65,600

3,290,000

148,050

213,850

65,800

3,300,000

148,500

214,500

66,000

3,310,000

148,950

215,150

66,200

3,320,000

149,400

215,800

66,400

3,330,000

149,850

216,450

66,600

3,340,000

150,300

217,100

66,800

3,350,000

150,750

217,750

67,000

3,360,000

151,200

218,400

67,200

3,370,000

151,650

219,050

67,400

3,380,000

152,100

219,700

67,600

3,390,000

152,550

220,350

67,800

3,400,000

153,000

221,000

68,000

3,410,000

153,450

221,650

68,200

3,420,000

153,900

222,300

68,400

3,430,000

154,350

222,950

68,600

3,440,000

154,800

223,600

68,800

3,450,000

155,250

224,250

69,000

3,460,000

155,700

224,900

69,200

3,470,000

156,150

225,550

69,400

3,480,000

156,600

226,200

69,600

3,490,000

157,050

226,850

69,800

3,500,000

157,500

227,500

70,000

3,510,000

157,950

228,150

70,200

3,520,000

158,400

228,800

70,400

3,530,000

158,850

229,450

70,600

3,540,000

159,300

230,100

70,800

3,550,000

159,750

230,750

71,000

3,560,000

160,200

231,400

71,200

3,570,000

160,650

232,050

71,400

3,580,000

161,100

232,700

71,600

3,590,000

161,550

233,350

71,800

3,600,000

162,000

234,000

72,000

3,610,000

162,450

234,650

72,200

3,620,000

162,900

235,300

72,400

3,630,000

163,350

235,950

72,600

3,640,000

163,800

236,600

72,800

3,650,000

164,250

237,250

73,000

3,660,000

164,700

237,900

73,200

3,670,000

165,150

238,550

73,400

3,680,000

165,600

239,200

73,600

3,690,000

166,050

239,850

73,800

3,700,000

166,500

240,500

74,000

3,710,000

166,950

241,150

74,200

3,720,000

167,400

241,800

74,400

3,730,000

167,850

242,450

74,600

3,740,000

168,300

243,100

74,800

3,750,000

168,750

243,750

75,000

3,760,000

169,200

244,400

75,200

3,770,000

169,650

245,050

75,400

3,780,000

170,100

245,700

75,600

3,790,000

170,550

246,350

75,800

3,800,000

171,000

247,000

76,000

3,810,000

171,450

247,650

76,200

3,820,000

171,900

248,300

76,400

3,830,000

172,350

248,950

76,600

3,840,000

172,800

249,600

76,800

3,850,000

173,250

250,250

77,000

3,860,000

173,700

250,900

77,200

3,870,000

174,150

251,550

77,400

3,880,000

174,600

252,200

77,600

3,890,000

175,050

252,850

77,800

3,900,000

175,500

253,500

78,000

3,910,000

175,950

254,150

78,200

3,920,000

176,400

254,800

78,400

3,930,000

176,850

255,450

78,600

3,940,000

177,300

256,100

78,800

3,950,000

177,750

256,750

79,000

3,960,000

178,200

257,400

79,200

3,970,000

178,650

258,050

79,400

3,980,000

179,100

258,700

79,600

3,990,000

179,550

259,350

79,800

4,000,000

180,000

260,000

80,000

4,010,000

180,450

260,650

80,200

4,020,000

180,900

261,300

80,400

4,030,000

181,350

261,950

80,600

4,040,000

181,800

262,600

80,800

4,050,000

182,250

263,250

81,000

4,060,000

182,700

263,900

81,200

4,070,000

183,150

264,550

81,400

4,080,000

183,600

265,200

81,600

4,090,000

184,050

265,850

81,800

4,100,000

184,500

266,500

82,000

4,110,000

184,950

267,150

82,200

4,120,000

185,400

267,800

82,400

4,130,000

185,850

268,450

82,600

4,140,000

186,300

269,100

82,800

4,150,000

186,750

269,750

83,000

4,160,000

187,200

270,400

83,200

4,170,000

187,650

271,050

83,400

4,180,000

188,100

271,700

83,600

4,190,000

188,550

272,350

83,800

4,200,000

189,000

273,000

84,000

4,210,000

189,450

273,650

84,200

4,220,000

189,900

274,300

84,400

4,230,000

190,350

274,950

84,600

4,240,000

190,800

275,600

84,800

4,250,000

191,250

276,250

85,000

4,260,000

191,700

276,900

85,200

4,270,000

192,150

277,550

85,400

4,280,000

192,600

278,200

85,600

4,290,000

193,050

278,850

85,800

4,300,000

193,500

279,500

86,000

4,310,000

193,950

280,150

86,200

4,320,000

194,400

280,800

86,400

4,330,000

194,850

281,450

86,600

4,340,000

195,300

282,100

86,800

4,350,000

195,750

282,750

87,000

4,360,000

196,200

283,400

87,200

4,370,000

196,650

284,050

87,400

4,380,000

197,100

284,700

87,600

4,390,000

197,550

285,350

87,800

4,400,000

198,000

286,000

88,000

4,410,000

198,450

286,650

88,200

4,420,000

198,900

287,300

88,400

4,430,000

199,350

287,950

88,600

4,440,000

199,800

288,600

88,800

4,450,000

200,250

289,250

89,000

4,460,000

200,700

289,900

89,200

4,470,000

201,150

290,550

89,400

4,480,000

201,600

291,200

89,600

4,490,000

202,050

291,850

89,800

4,500,000

202,500

292,500

90,000

4,510,000

202,950

293,150

90,200

4,520,000

203,400

293,800

90,400

4,530,000

203,850

294,450

90,600

4,540,000

204,300

295,100

90,800

4,550,000

204,750

295,750

91,000

4,560,000

205,200

296,400

91,200

4,570,000

205,650

297,050

91,400

4,580,000

206,100

297,700

91,600

4,590,000

206,550

298,350

91,800

4,600,000

207,000

299,000

92,000

4,610,000

207,450

299,650

92,200

4,620,000

207,900

300,300

92,400

4,630,000

208,350

300,950

92,600

4,640,000

208,800

301,600

92,800

4,650,000

209,250

302,250

93,000

4,660,000

209,700

302,900

93,200

4,670,000

210,150

303,550

93,400

4,680,000

210,600

304,200

93,600

4,690,000

211,050

304,850

93,800

4,700,000

211,500

305,500

94,000

4,710,000

211,950

306,150

94,200

4,720,000

212,400

306,800

94,400

4,730,000

212,850

307,450

94,600

4,740,000

213,300

308,100

94,800

4,750,000

213,750

308,750

95,000

4,760,000

214,200

309,400

95,200

4,770,000

214,650

310,050

95,400

4,780,000

215,100

310,700

95,600

4,790,000

215,550

311,350

95,800

4,800,000

216,000

312,000

96,000

4,810,000

216,450

312,650

96,200

4,820,000

216,900

313,300

96,400

4,830,000

217,350

313,950

96,600

4,840,000

217,800

314,600

96,800

4,850,000

218,250

315,250

97,000

4,860,000

218,700

315,900

97,200

4,870,000

219,150

316,550

97,400

4,880,000

219,600

317,200

97,600

4,890,000

220,050

317,850

97,800

4,900,000

220,500

318,500

98,000

4,910,000

220,950

319,150

98,200

4,920,000

221,400

319,800

98,400

4,930,000

221,850

320,450

98,600

4,940,000

222,300

321,100

98,800

4,950,000

222,750

321,750

99,000

4,960,000

223,200

322,400

99,200

4,970,000

223,650

323,050

99,400

4,980,000

224,100

323,700

99,600

4,990,000

224,550

324,350

99,800

5,000,000

225,000

325,000

100,000

5,010,000

225,450

325,650

100,200

5,020,000

225,900

326,300

100,400

5,030,000

226,350

326,950

100,600

5,040,000

226,800

327,600

100,800

5,050,000

227,250

328,250

101,000

5,060,000

227,700

328,900

101,200

5,070,000

228,150

329,550

101,400

5,080,000

228,600

330,200

101,600

5,090,000

229,050

330,850

101,800

5,100,000

229,500

331,500

102,000

5,110,000

229,950

332,150

102,200

5,120,000

230,400

332,800

102,400

5,130,000

230,850

333,450

102,600

5,140,000

231,300

334,100

102,800

5,150,000

231,750

334,750

103,000

5,160,000

232,200

335,400

103,200

5,170,000

232,650

336,050

103,400

5,180,000

233,100

336,700

103,600

5,190,000

233,550

337,350

103,800

5,200,000

234,000

338,000

104,000

5,210,000

234,450

338,650

104,200

5,220,000

234,900

339,300

104,400

5,230,000

235,350

339,950

104,600

5,240,000

235,800

340,600

104,800

5,250,000

236,250

341,250

105,000

5,260,000

236,700

341,900

105,200

5,270,000

237,150

342,550

105,400

5,280,000

237,600

343,200

105,600

5,290,000

238,050

343,850

105,800

5,300,000

238,500

344,500

106,000

5,310,000

238,950

345,150

106,200

5,320,000

239,400

345,800

106,400

5,330,000

239,850

346,450

106,600

5,340,000

240,300

347,100

106,800

5,350,000

240,750

347,750

107,000

5,360,000

241,200

348,400

107,200

5,370,000

241,650

349,050

107,400

5,380,000

242,100

349,700

107,600

5,390,000

242,550

350,350

107,800

5,400,000

243,000

351,000

108,000

5,410,000

243,450

351,650

108,200

5,420,000

243,900

352,300

108,400

5,430,000

244,350

352,950

108,600

5,440,000

244,800

353,600

108,800

5,450,000

245,250

354,250

109,000

5,460,000

245,700

354,900

109,200

5,470,000

246,150

355,550

109,400

5,480,000

246,600

356,200

109,600

5,490,000

247,050

356,850

109,800

5,500,000

247,500

357,500

110,000

5,510,000

247,950

358,150

110,200

5,520,000

248,400

358,800

110,400

5,530,000

248,850

359,450

110,600

5,540,000

249,300

360,100

110,800

5,550,000

249,750

360,750

111,000

5,560,000

250,200

361,400

111,200

5,570,000

250,650

362,050

111,400

5,580,000

251,100

362,700

111,600

5,590,000

251,550

363,350

111,800

5,600,000

252,000

364,000

112,000

5,610,000

252,450

364,650

112,200

5,620,000

252,900

365,300

112,400

5,630,000

253,350

365,950

112,600

5,640,000

253,800

366,600

112,800

5,650,000

254,250

367,250

113,000

5,660,000

254,700

367,900

113,200

5,670,000

255,150

368,550

113,400

5,680,000

255,600

369,200

113,600

5,690,000

256,050

369,850

113,800

5,700,000

256,500

370,500

114,000

5,710,000

256,950

371,150

114,200

5,720,000

257,400

371,800

114,400

5,730,000

257,850

372,450

114,600

5,740,000

258,300

373,100

114,800

5,750,000

258,750

373,750

115,000

5,760,000

259,200

374,400

115,200

5,770,000

259,650

375,050

115,400

5,780,000

260,100

375,700

115,600

5,790,000

260,550

376,350

115,800

5,800,000

261,000

377,000

116,000

5,810,000

261,450

377,650

116,200

5,820,000

261,900

378,300

116,400

5,830,000

262,350

378,950

116,600

5,840,000

262,800

379,600

116,800

5,850,000

263,250

380,250

117,000

5,860,000

263,700

380,900

117,200

5,870,000

264,150

381,550

117,400

5,880,000

264,600

382,200

117,600

5,890,000

265,050

382,850

117,800

5,900,000

265,500

383,500

118,000

5,910,000

265,950

384,150

118,200

5,920,000

266,400

384,800

118,400

5,930,000

266,850

385,450

118,600

5,940,000

267,300

386,100

118,800

5,950,000

267,750

386,750

119,000

5,960,000

268,200

387,400

119,200

5,970,000

268,650

388,050

119,400

5,980,000

269,100

388,700

119,600

5,990,000

269,550

389,350

119,800

6,000,000

270,000

390,000

120,000

6,010,000

270,450

390,650

120,200

6,020,000

270,900

391,300

120,400

6,030,000

271,350

391,950

120,600

6,040,000

271,800

392,600

120,800

6,050,000

272,250

393,250

121,000

6,060,000

272,700

393,900

121,200

6,070,000

273,150

394,550

121,400

6,080,000

273,600

395,200

121,600

6,090,000

274,050

395,850

121,800

6,100,000

274,500

396,500

122,000

6,110,000

274,950

397,150

122,200

6,120,000

275,400

397,800

122,400

6,130,000

275,850

398,450

122,600

6,140,000

276,300

399,100

122,800

6,150,000

276,750

399,750

123,000

6,160,000

277,200

400,400

123,200

6,170,000

277,650

401,050

123,400

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