National Pension Estimate Calculator
Enter enrollment period and average income to estimate your monthly pension. Reflects the 2026 A-value of 3,193,511 KRW and replacement rate of 43%.
Enrollment Details
Default 3,193,511 KRW is the all-subscriber average income (A-value). Leave it for an average earner example. Clamped to floor 410,000 KRW / ceiling 6,590,000 KRW.
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Estimated Pension (국민연금)
2026 A-value 3,193,511 KRW · Replacement rate 43% · View sourcesThe actual National Pension amount uses yearly revaluation of all enrolled income (B-value). This calculator simplifies by treating your input as the already-revalued value, and does not reflect childbirth/military credits or contribution gaps.
Results are in 2026 monetary value. Your actual payments will be adjusted for inflation over time.
For accurate figures, verify at the National Pension Service 'My Pension' portal after identity verification. → NPS Pension Estimator
How much at different start ages?
| Claim Timing | Start Age | Monthly Amount |
|---|---|---|
| 조기 5년 | age 60 | 741,053KRW |
| 조기 3년 | age 62 | 868,091KRW |
| 조기 1년 | age 64 | 995,129KRW |
| 정상 수급 | age 65 | 1,058,648KRW |
| 연기 1년 | age 66 | 1,134,870KRW |
| 연기 3년 | age 68 | 1,287,315KRW |
| 연기 5년 | age 70 | 1,439,761KRW |
Break-even age depends on life expectancy assumptions, so it is not displayed.
If enrollment is less than 10 years (120 months), you cannot receive old-age pension. Instead, you receive a lump-sum refund with interest on premiums paid.
From January 2026, the replacement rate was adjusted to 43%. Prior enrollment periods use previous rules, so the calculation constant varies by enrollment period.
머니플(Moneyple)의 국민연금 예상 수령액 계산기는 2026년 A값(3,193,511원)과 소득대체율 43%를 기준으로 월 연금액을 계산한다.
What This Number Means
국민연금 수령액은 가입 기간·소득에 따라 달라진다. A값(전체 가입자 평균소득월액)과 B값(본인 소득월액)의 평균에 소득대체율과 가입 기간을 곱한다.
3 Common Mistakes People Make Here
- 납부한 보험료 전액을 돌려받는다고 생각한다 — 국민연금은 적립식이 아니라 부과방식에 가까우며, 수급액은 산식으로 결정된다.
- 조기수급이 무조건 손해라고 생각한다 — 5년 조기수급은 매월 0.5%p씩(연 6%) 감액되지만 일찍 받기 시작하므로 총수령액은 수명에 따라 다르다.
- 연기수급을 모른다 — 최대 5년 연기하면 매월 0.6%p씩(연 7.2%) 증액된다.
What Changed in This Calculator in 2026
2026년 연금개혁: 소득대체율 43%, A값 3,193,511원, 보험료율 9.5%(근로자 4.75%).
국민연금 소득대체율 43%는 40년 가입 기준이다 — 가입 기간이 짧으면 비례 감소한다.
머니플(Moneyple) · Formulas and rates verified by humans; commentary drafted with AI assistance and reviewed by the operator
How is the estimated pension calculated?
The annual basic pension is calculated by multiplying a constant by the sum of the all-subscriber average income (A-value) and your average income (B-value), weighted by enrollment months, with a bonus for enrollment exceeding 20 years. The 2026 A-value is 3,193,511 KRW (NPS, for benefit triggers 2025-12-01 ~ 2026-11-30).
Basic pension (annual) = Sum[ Constant x (A + B) x segment months / total months ] x (1 + 0.05 x months over 20yr / 12)
Monthly old-age pension = Basic pension / 12
Example -- Enrolling from 2026 for 40 years (480 months) at 3,193,511 KRW: annual 16,478,516 KRW, monthly 1,373,209 KRW. This equals 43.0% of average income, matching the 2026 reformed replacement rate of 43%. At 20 years, monthly 686,604 KRW.
Note -- Minimum enrollment of 120 months (10 years) is required. B-value is clamped between 410,000 KRW and 6,590,000 KRW.
When should you start claiming? (Early/Deferred)
The standard start age is determined by birth year. Those born 1969 or later start at age 65.
- Early claim -- 6% reduction per year, up to 5 years (30% max). Example: monthly 961,246 KRW.
- Deferred claim -- 0.6% increase per month, up to 60 months (36% max). Example: monthly 1,867,564 KRW.
- Dependent pension -- Spouse 306,630 KRW/year; child/parent 204,360 KRW/year each. Not subject to reduction.
Which option is better depends on how long you receive payments. We show monthly amounts side by side.
The 2026 reform raised contribution to 9.5%, rising to 13% by 2033. Replacement rate adjusted to 43%. Prior enrollment uses previous rules.
Frequently Asked Questions
Q. How is the estimated National Pension amount calculated?
The basic pension sums yearly constant x (A + B) x enrollment weight (Art. 51). 2026 A-value is 3,193,511 KRW.
Q. How does the 2026 reform change my pension?
From January 2026, replacement rate adjusted to 43%.
Q. How much is the reduction for early claiming?
Early pension reduces 6% per year, max 30%. Deferring increases 0.6% per month, max 36%.
Q. Why does this calculator differ from the NPS portal?
The NPS uses actual enrollment history with yearly revaluation. This calculator simplifies the calculation.
This calculator is a simplified reference estimate. Check the NPS Pension Estimator for accurate amounts.