2023년 국민연금 예상월액표



목차 숨기기
1 이용방법
2 국민연금액 산정방법
3 국민연금 다른글 보기

이용방법

아래 표에서 기준소득월액을 찾습니다. 또는 연금보험료에서 내가 납부하는 연금보험료 월액을 찾은 후 오른쪽에서 10년~40년 후 받을 수 있는 연금월액을 확인할 수 있습니다.

아래 국민연금 간단계산기를 통해 예상연금을 간단하게 조회해 볼 수도 있습니다.

👉 국민연금 간단계산기 바로가기

  • 가입기간이 10년 미만인 경우 연금수령이 불가능하고 임의계속가입자로 전환하여 10년 이상 국민연금을 납부해야 연금수령이 가능합니다. (단, 65세 미만)
  • 연금수급전 3년간 전체가입자의 평균소득월액(A) = 2,861,091원 기준 (2022.07 ~ 2023.06)
  • 하한액 350,000원 / 31,500원 상한액 5,530,000원 / 497,700원 (2022.07 ~ 2023.06)

👉 국민연금 수령나이 어떻게 될까 (feat. 조기수령)

소득월액평균액연금보험료( 9% )10년15년20년25년30년35년40년
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1. 연금액산정 : {1.275*(A+B)*P18/P+…+1.2*(A+B)*P23/P}(1+0.05n/12) x 지급률
“A”- 연금수급전 3년간 전체가입자의 평균소득월액의 평균액,
“B”- 가입자 개인의 가입기간중 기준소득월액의 평균액, “n”- 20년초과 가입월수, “P”-전체가입월수, “P18~P23”:연도별 가입월수
* 노령연금의 지급률 : 가입기간 10년 50%(1개월마다 5/12% 증가)
* 2023년 비례상수 1.275(소득대체율 42.5%)

2. 주민등록표상 세대를 같이하는 가족이 있을 경우 배우자 연 283,380원, 자녀/부모 1인당 연 188,870원의 부양가족연금액이 가산됩니다.

3. 2023년 1월에 최초 가입 및 “A”값(2023년도 적용 2,861,091원)을 가정하여 산정하였으므로 실제와 상이할 수 있습니다.

4. 향후 실제 연금수급월액은 연금수급당시의 “A”값 및 재평가율을 적용하므로 변동될 수 있습니다.

5. 연금의 월지급액(부양가족연금액 포함)은 가입자이었던 최종 5년간의 기준소득월액의 평균액과 가입기간중의 기준소득월액의 평균액을 재평가한 금액 중에서 많은 금액을 초과하지 못합니다.

6. 2023년 7월부터 2024년 6월까지 기준소득월액 하한액은 370,000원, 상한액은 5,900,000원입니다.

7. 예상연금월액은 세전금액으로 향후 연금수급 시 세금을 공제한 금액으로 연금 수급하므로 상이할 수 있습니다.

국민연금액 산정방법

국민연금수령액은 다음과 같이 계산됩니다.

  •  연금액산정 : (1.32*(A+B)*P15/P+…+1.2*(A+B)*P23/P)(1+0.05n/12)
  •  “A”- 연금수급전 3년간 전체가입자의 평균소득월액의 평균액
  •  “B”- 가입자 개인의 가입기간중 기준소득월액의 평균액
  •  “n”- 20년초과 가입월수

국민연금 다른글 보기

👉 국민연금 납부액 조회

👉 국민연금예상수령액

👉 국민연금계산기