2024년 국민연금 예상월액표 연금 수령액 확인

국민연금은 은퇴 후 안정적인 생활을 위한 중요한 재원입니다. 하지만 국민연금을 얼마나 받을 수 있는지 궁금해하는 분들이 많습니다. 2024년 국민연금 예상월액표를 통해 연금 수령액을 미리 계산해 보고, 개인별 예상 연금액을 확인하는 방법까지 자세히 알아보겠습니다.

국민연금 예상월액표란?

국민연금 예상월액표는 가입자가 일정 기간 동안 국민연금을 납부했을 때, 예상되는 월 수령액을 알려주는 표입니다. 이 표를 활용하면 본인의 가입 기간과 평균 소득을 기준으로 노후에 받을 수 있는 연금을 가늠할 수 있습니다.

2024년 국민연금 예상월액표

2024년 국민연금 예상연금액은 기준소득월액의 변동에 따라 조정되었습니다. 2024년 7월부터 2025년 6월까지 적용되는 기준소득월액의 하한액은 39만 원, 상한액은 617만 원입니다.

가입 기간 (년)평균 소득 (만원)예상 연금 수령액 (월)
10년100만 원20~30만 원
20년200만 원50~70만 원
30년300만 원90~120만 원
40년400만 원130~170만 원

2024년 국민연금 예상월액표 중 평균소득월액(A)은   2,989,237원 입니다. 자세한 구간은 아래 표를 참고하세요. 단위는 원/월입니다.

순번가입기간중 기준
소득월액평균액(B값)
연금보험료가 입 기 간
-9%10년15년20년25년30년35년40년
1370,00033,300170,060254,040338,020370,000370,000370,000370,000
2380,00034,200170,560254,790339,020380,000380,000380,000380,000
3390,00035,100171,070255,550340,030390,000390,000390,000390,000
4400,00036,000171,580256,310341,040400,000400,000400,000400,000
5410,00036,900172,080257,060342,040410,000410,000410,000410,000
6420,00037,800172,590257,820343,050420,000420,000420,000420,000
7430,00038,700173,090258,570344,060429,540430,000430,000430,000
8440,00039,600173,600259,330345,060430,790440,000440,000440,000
9450,00040,500174,110260,090346,070432,050450,000450,000450,000
10460,00041,400174,610260,840347,070433,310460,000460,000460,000
11470,00042,300175,120261,600348,080434,560470,000470,000470,000
12480,00043,200175,630262,360349,090435,820480,000480,000480,000
13490,00044,100176,130263,110350,090437,070490,000490,000490,000
14500,00045,000176,640263,870351,100438,330500,000500,000500,000
15510,00045,900177,140264,620352,110439,590510,000510,000510,000
16520,00046,800177,650265,380353,110440,840520,000520,000520,000
17530,00047,700178,160266,140354,120442,100530,000530,000530,000
18540,00048,600178,660266,890355,120443,360531,590540,000540,000
19550,00049,500179,170267,650356,130444,610533,090550,000550,000
20560,00050,400179,680268,410357,140445,870534,600560,000560,000
21570,00051,300180,180269,160358,140447,120536,110570,000570,000
22580,00052,200180,690269,920359,150448,380537,610580,000580,000
23590,00053,100181,190270,670360,160449,640539,120590,000590,000
24600,00054,000181,700271,430361,160450,890540,620600,000600,000
25610,00054,900182,210272,190362,170452,150542,130610,000610,000
26620,00055,800182,710272,940363,170453,410543,640620,000620,000
27630,00056,700183,220273,700364,180454,660545,140630,000630,000
28640,00057,600183,730274,460365,190455,920546,650637,380640,000
29650,00058,500184,230275,210366,190457,170548,160639,140650,000
30660,00059,400184,740275,970367,200458,430549,660640,890660,000
31670,00060,300185,240276,720368,210459,690551,170642,650670,000
32680,00061,200185,750277,480369,210460,940552,670644,400680,000
33690,00062,100186,260278,240370,220462,200554,180646,160690,000
34700,00063,000186,760278,990371,220463,460555,690647,920700,000
35710,00063,900187,270279,750372,230464,710557,190649,670710,000
36720,00064,800187,780280,510373,240465,970558,700651,430720,000
37730,00065,700188,280281,260374,240467,220560,210653,190730,000
38740,00066,600188,790282,020375,250468,480561,710654,940740,000
39750,00067,500189,290282,770376,260469,740563,220656,700750,000
40760,00068,400189,800283,530377,260470,990564,720658,450752,190
41770,00069,300190,310284,290378,270472,250566,230660,210754,190
42780,00070,200190,810285,040379,270473,510567,740661,970756,200
43790,00071,100191,320285,800380,280474,760569,240663,720758,200
44800,00072,000191,830286,560381,290476,020570,750665,480760,210
45810,00072,900192,330287,310382,290477,270572,260667,240762,220
46820,00073,800192,840288,070383,300478,530573,760668,990764,220
47830,00074,700193,340288,820384,310479,790575,270670,750766,230
48840,00075,600193,850289,580385,310481,040576,770672,500768,240
49850,00076,500194,360290,340386,320482,300578,280674,260770,240
50860,00077,400194,860291,090387,320483,560579,790676,020772,250
51870,00078,300195,370291,850388,330484,810581,290677,770774,250
52880,00079,200195,880292,610389,340486,070582,800679,530776,260
53890,00080,100196,380293,360390,340487,320584,310681,290778,270
54900,00081,000196,890294,120391,350488,580585,810683,040780,270
55910,00081,900197,390294,870392,360489,840587,320684,800782,280
56920,00082,800197,900295,630393,360491,090588,820686,550784,290
57930,00083,700198,410296,390394,370492,350590,330688,310786,290
58940,00084,600198,910297,140395,370493,610591,840690,070788,300
59950,00085,500199,420297,900396,380494,860593,340691,820790,300
60960,00086,400199,930298,660397,390496,120594,850693,580792,310
61970,00087,300200,430299,410398,390497,370596,360695,340794,320
62980,00088,200200,940300,170399,400498,630597,860697,090796,320
63990,00089,100201,440300,920400,410499,890599,370698,850798,330
641,000,00090,000201,950301,680401,410501,140600,870700,600800,340
651,010,00090,900202,460302,440402,420502,400602,380702,360802,340
661,020,00091,800202,960303,190403,420503,660603,890704,120804,350
671,030,00092,700203,470303,950404,430504,910605,390705,870806,350
681,040,00093,600203,980304,710405,440506,170606,900707,630808,360
691,050,00094,500204,480305,460406,440507,420608,410709,390810,370
701,060,00095,400204,990306,220407,450508,680609,910711,140812,370
711,070,00096,300205,490306,970408,460509,940611,420712,900814,380
721,080,00097,200206,000307,730409,460511,190612,920714,650816,390
731,090,00098,100206,510308,490410,470512,450614,430716,410818,390
741,100,00099,000207,010309,240411,470513,710615,940718,170820,400
751,110,00099,900207,520310,000412,480514,960617,440719,920822,400
761,120,000100,800208,030310,760413,490516,220618,950721,680824,410
771,130,000101,700208,530311,510414,490517,470620,460723,440826,420
781,140,000102,600209,040312,270415,500518,730621,960725,190828,420
791,150,000103,500209,540313,020416,510519,990623,470726,950830,430
801,160,000104,400210,050313,780417,510521,240624,970728,700832,440
811,170,000105,300210,560314,540418,520522,500626,480730,460834,440
821,180,000106,200211,060315,290419,520523,760627,990732,220836,450
831,190,000107,100211,570316,050420,530525,010629,490733,970838,450
841,200,000108,000212,080316,810421,540526,270631,000735,730840,460
851,210,000108,900212,580317,560422,540527,520632,510737,490842,470
861,220,000109,800213,090318,320423,550528,780634,010739,240844,470
871,230,000110,700213,590319,070424,560530,040635,520741,000846,480
881,240,000111,600214,100319,830425,560531,290637,020742,750848,490
891,250,000112,500214,610320,590426,570532,550638,530744,510850,490
901,260,000113,400215,110321,340427,570533,810640,040746,270852,500
911,270,000114,300215,620322,100428,580535,060641,540748,020854,500
921,280,000115,200216,130322,860429,590536,320643,050749,780856,510
931,290,000116,100216,630323,610430,590537,570644,560751,540858,520
941,300,000117,000217,140324,370431,600538,830646,060753,290860,520
951,310,000117,900217,640325,120432,610540,090647,570755,050862,530
961,320,000118,800218,150325,880433,610541,340649,070756,800864,540
971,330,000119,700218,660326,640434,620542,600650,580758,560866,540
981,340,000120,600219,160327,390435,620543,860652,090760,320868,550
991,350,000121,500219,670328,150436,630545,110653,590762,070870,550
1001,360,000122,400220,180328,910437,640546,370655,100763,830872,560
1011,370,000123,300220,680329,660438,640547,620656,610765,590874,570
1021,380,000124,200221,190330,420439,650548,880658,110767,340876,570
1031,390,000125,100221,690331,170440,660550,140659,620769,100878,580
1041,400,000126,000222,200331,930441,660551,390661,120770,850880,590
1051,410,000126,900222,710332,690442,670552,650662,630772,610882,590
1061,420,000127,800223,210333,440443,670553,910664,140774,370884,600
1071,430,000128,700223,720334,200444,680555,160665,640776,120886,600
1081,440,000129,600224,230334,960445,690556,420667,150777,880888,610
1091,450,000130,500224,730335,710446,690557,670668,660779,640890,620
1101,460,000131,400225,240336,470447,700558,930670,160781,390892,620
1111,470,000132,300225,740337,220448,710560,190671,670783,150894,630
1121,480,000133,200226,250337,980449,710561,440673,170784,900896,640
1131,490,000134,100226,760338,740450,720562,700674,680786,660898,640
1141,500,000135,000227,260339,490451,720563,960676,190788,420900,650
1151,510,000135,900227,770340,250452,730565,210677,690790,170902,650
1161,520,000136,800228,280341,010453,740566,470679,200791,930904,660
1171,530,000137,700228,780341,760454,740567,720680,710793,690906,670
1181,540,000138,600229,290342,520455,750568,980682,210795,440908,670
1191,550,000139,500229,790343,270456,760570,240683,720797,200910,680
1201,560,000140,400230,300344,030457,760571,490685,220798,950912,690
1211,570,000141,300230,810344,790458,770572,750686,730800,710914,690
1221,580,000142,200231,310345,540459,770574,010688,240802,470916,700
1231,590,000143,100231,820346,300460,780575,260689,740804,220918,700
1241,600,000144,000232,330347,060461,790576,520691,250805,980920,710
1251,610,000144,900232,830347,810462,790577,770692,760807,740922,720
1261,620,000145,800233,340348,570463,800579,030694,260809,490924,720
1271,630,000146,700233,840349,320464,810580,290695,770811,250926,730
1281,640,000147,600234,350350,080465,810581,540697,270813,000928,740
1291,650,000148,500234,860350,840466,820582,800698,780814,760930,740
1301,660,000149,400235,360351,590467,820584,060700,290816,520932,750
1311,670,000150,300235,870352,350468,830585,310701,790818,270934,750
1321,680,000151,200236,380353,110469,840586,570703,300820,030936,760
1331,690,000152,100236,880353,860470,840587,820704,810821,790938,770
1341,700,000153,000237,390354,620471,850589,080706,310823,540940,770
1351,710,000153,900237,890355,370472,860590,340707,820825,300942,780
1361,720,000154,800238,400356,130473,860591,590709,320827,050944,790
1371,730,000155,700238,910356,890474,870592,850710,830828,810946,790
1381,740,000156,600239,410357,640475,870594,110712,340830,570948,800
1391,750,000157,500239,920358,400476,880595,360713,840832,320950,800
1401,760,000158,400240,430359,160477,890596,620715,350834,080952,810
1411,770,000159,300240,930359,910478,890597,870716,860835,840954,820
1421,780,000160,200241,440360,670479,900599,130718,360837,590956,820
1431,790,000161,100241,940361,420480,910600,390719,870839,350958,830
1441,800,000162,000242,450362,180481,910601,640721,370841,100960,840
1451,810,000162,900242,960362,940482,920602,900722,880842,860962,840
1461,820,000163,800243,460363,690483,920604,160724,390844,620964,850
1471,830,000164,700243,970364,450484,930605,410725,890846,370966,850
1481,840,000165,600244,480365,210485,940606,670727,400848,130968,860
1491,850,000166,500244,980365,960486,940607,920728,910849,890970,870
1501,860,000167,400245,490366,720487,950609,180730,410851,640972,870
1511,870,000168,300245,990367,470488,960610,440731,920853,400974,880
1521,880,000169,200246,500368,230489,960611,690733,420855,150976,890
1531,890,000170,100247,010368,990490,970612,950734,930856,910978,890
1541,900,000171,000247,510369,740491,970614,210736,440858,670980,900
1551,910,000171,900248,020370,500492,980615,460737,940860,420982,900
1561,920,000172,800248,530371,260493,990616,720739,450862,180984,910
1571,930,000173,700249,030372,010494,990617,970740,960863,940986,920
1581,940,000174,600249,540372,770496,000619,230742,460865,690988,920
1591,950,000175,500250,040373,520497,010620,490743,970867,450990,930
1601,960,000176,400250,550374,280498,010621,740745,470869,200992,940
1611,970,000177,300251,060375,040499,020623,000746,980870,960994,940
1621,980,000178,200251,560375,790500,020624,260748,490872,720996,950
1631,990,000179,100252,070376,550501,030625,510749,990874,470998,950
1642,000,000180,000252,580377,310502,040626,770751,500876,2301,000,960
1652,010,000180,900253,080378,060503,040628,020753,010877,9901,002,970
1662,020,000181,800253,590378,820504,050629,280754,510879,7401,004,970
1672,030,000182,700254,090379,570505,060630,540756,020881,5001,006,980
1682,040,000183,600254,600380,330506,060631,790757,520883,2501,008,990
1692,050,000184,500255,110381,090507,070633,050759,030885,0101,010,990
1702,060,000185,400255,610381,840508,070634,310760,540886,7701,013,000
1712,070,000186,300256,120382,600509,080635,560762,040888,5201,015,000
1722,080,000187,200256,630383,360510,090636,820763,550890,2801,017,010
1732,090,000188,100257,130384,110511,090638,070765,060892,0401,019,020
1742,100,000189,000257,640384,870512,100639,330766,560893,7901,021,020
1752,110,000189,900258,140385,620513,110640,590768,070895,5501,023,030
1762,120,000190,800258,650386,380514,110641,840769,570897,3001,025,040
1772,130,000191,700259,160387,140515,120643,100771,080899,0601,027,040
1782,140,000192,600259,660387,890516,120644,360772,590900,8201,029,050
1792,150,000193,500260,170388,650517,130645,610774,090902,5701,031,050
1802,160,000194,400260,680389,410518,140646,870775,600904,3301,033,060
1812,170,000195,300261,180390,160519,140648,120777,110906,0901,035,070
1822,180,000196,200261,690390,920520,150649,380778,610907,8401,037,070
1832,190,000197,100262,190391,670521,160650,640780,120909,6001,039,080
1842,200,000198,000262,700392,430522,160651,890781,620911,3501,041,090
1852,210,000198,900263,210393,190523,170653,150783,130913,1101,043,090
1862,220,000199,800263,710393,940524,170654,410784,640914,8701,045,100
1872,230,000200,700264,220394,700525,180655,660786,140916,6201,047,100
1882,240,000201,600264,730395,460526,190656,920787,650918,3801,049,110
1892,250,000202,500265,230396,210527,190658,170789,160920,1401,051,120
1902,260,000203,400265,740396,970528,200659,430790,660921,8901,053,120
1912,270,000204,300266,240397,720529,210660,690792,170923,6501,055,130
1922,280,000205,200266,750398,480530,210661,940793,670925,4001,057,140
1932,290,000206,100267,260399,240531,220663,200795,180927,1601,059,140
1942,300,000207,000267,760399,990532,220664,460796,690928,9201,061,150
1952,310,000207,900268,270400,750533,230665,710798,190930,6701,063,150
1962,320,000208,800268,780401,510534,240666,970799,700932,4301,065,160
1972,330,000209,700269,280402,260535,240668,220801,210934,1901,067,170
1982,340,000210,600269,790403,020536,250669,480802,710935,9401,069,170
1992,350,000211,500270,290403,770537,260670,740804,220937,7001,071,180
2002,360,000212,400270,800404,530538,260671,990805,720939,4501,073,190
2012,370,000213,300271,310405,290539,270673,250807,230941,2101,075,190
2022,380,000214,200271,810406,040540,270674,510808,740942,9701,077,200
2032,390,000215,100272,320406,800541,280675,760810,240944,7201,079,200
2042,400,000216,000272,830407,560542,290677,020811,750946,4801,081,210
2052,410,000216,900273,330408,310543,290678,270813,260948,2401,083,220
2062,420,000217,800273,840409,070544,300679,530814,760949,9901,085,220
2072,430,000218,700274,340409,820545,310680,790816,270951,7501,087,230
2082,440,000219,600274,850410,580546,310682,040817,770953,5001,089,240
2092,450,000220,500275,360411,340547,320683,300819,280955,2601,091,240
2102,460,000221,400275,860412,090548,320684,560820,790957,0201,093,250
2112,470,000222,300276,370412,850549,330685,810822,290958,7701,095,250
2122,480,000223,200276,880413,610550,340687,070823,800960,5301,097,260
2132,490,000224,100277,380414,360551,340688,320825,310962,2901,099,270
2142,500,000225,000277,890415,120552,350689,580826,810964,0401,101,270
2152,510,000225,900278,390415,870553,360690,840828,320965,8001,103,280
2162,520,000226,800278,900416,630554,360692,090829,820967,5501,105,290
2172,530,000227,700279,410417,390555,370693,350831,330969,3101,107,290
2182,540,000228,600279,910418,140556,370694,610832,840971,0701,109,300
2192,550,000229,500280,420418,900557,380695,860834,340972,8201,111,300
2202,560,000230,400280,930419,660558,390697,120835,850974,5801,113,310
2212,570,000231,300281,430420,410559,390698,370837,360976,3401,115,320
2222,580,000232,200281,940421,170560,400699,630838,860978,0901,117,320
2232,590,000233,100282,440421,920561,410700,890840,370979,8501,119,330
2242,600,000234,000282,950422,680562,410702,140841,870981,6001,121,340
2252,610,000234,900283,460423,440563,420703,400843,380983,3601,123,340
2262,620,000235,800283,960424,190564,420704,660844,890985,1201,125,350
2272,630,000236,700284,470424,950565,430705,910846,390986,8701,127,350
2282,640,000237,600284,980425,710566,440707,170847,900988,6301,129,360
2292,650,000238,500285,480426,460567,440708,420849,410990,3901,131,370
2302,660,000239,400285,990427,220568,450709,680850,910992,1401,133,370
2312,670,000240,300286,490427,970569,460710,940852,420993,9001,135,380
2322,680,000241,200287,000428,730570,460712,190853,920995,6501,137,390
2332,690,000242,100287,510429,490571,470713,450855,430997,4101,139,390
2342,700,000243,000288,010430,240572,470714,710856,940999,1701,141,400
2352,710,000243,900288,520431,000573,480715,960858,4401,000,9201,143,400
2362,720,000244,800289,030431,760574,490717,220859,9501,002,6801,145,410
2372,730,000245,700289,530432,510575,490718,470861,4601,004,4401,147,420
2382,740,000246,600290,040433,270576,500719,730862,9601,006,1901,149,420
2392,750,000247,500290,540434,020577,510720,990864,4701,007,9501,151,430
2402,760,000248,400291,050434,780578,510722,240865,9701,009,7001,153,440
2412,770,000249,300291,560435,540579,520723,500867,4801,011,4601,155,440
2422,780,000250,200292,060436,290580,520724,760868,9901,013,2201,157,450
2432,790,000251,100292,570437,050581,530726,010870,4901,014,9701,159,450
2442,800,000252,000293,080437,810582,540727,270872,0001,016,7301,161,460
2452,810,000252,900293,580438,560583,540728,520873,5101,018,4901,163,470
2462,820,000253,800294,090439,320584,550729,780875,0101,020,2401,165,470
2472,830,000254,700294,590440,070585,560731,040876,5201,022,0001,167,480
2482,840,000255,600295,100440,830586,560732,290878,0201,023,7501,169,490
2492,850,000256,500295,610441,590587,570733,550879,5301,025,5101,171,490
2502,860,000257,400296,110442,340588,570734,810881,0401,027,2701,173,500
2512,870,000258,300296,620443,100589,580736,060882,5401,029,0201,175,500
2522,880,000259,200297,130443,860590,590737,320884,0501,030,7801,177,510
2532,890,000260,100297,630444,610591,590738,570885,5601,032,5401,179,520
2542,900,000261,000298,140445,370592,600739,830887,0601,034,2901,181,520
2552,910,000261,900298,640446,120593,610741,090888,5701,036,0501,183,530
2562,920,000262,800299,150446,880594,610742,340890,0701,037,8001,185,540
2572,930,000263,700299,660447,640595,620743,600891,5801,039,5601,187,540
2582,940,000264,600300,160448,390596,620744,860893,0901,041,3201,189,550
2592,950,000265,500300,670449,150597,630746,110894,5901,043,0701,191,550
2602,960,000266,400301,180449,910598,640747,370896,1001,044,8301,193,560
2612,970,000267,300301,680450,660599,640748,620897,6101,046,5901,195,570
2622,980,000268,200302,190451,420600,650749,880899,1101,048,3401,197,570
2632,990,000269,100302,690452,170601,660751,140900,6201,050,1001,199,580
2643,000,000270,000303,200452,930602,660752,390902,1201,051,8501,201,590
2653,010,000270,900303,710453,690603,670753,650903,6301,053,6101,203,590
2663,020,000271,800304,210454,440604,670754,910905,1401,055,3701,205,600
2673,030,000272,700304,720455,200605,680756,160906,6401,057,1201,207,600
2683,040,000273,600305,230455,960606,690757,420908,1501,058,8801,209,610
2693,050,000274,500305,730456,710607,690758,670909,6601,060,6401,211,620
2703,060,000275,400306,240457,470608,700759,930911,1601,062,3901,213,620
2713,070,000276,300306,740458,220609,710761,190912,6701,064,1501,215,630
2723,080,000277,200307,250458,980610,710762,440914,1701,065,9001,217,640
2733,090,000278,100307,760459,740611,720763,700915,6801,067,6601,219,640
2743,100,000279,000308,260460,490612,720764,960917,1901,069,4201,221,650
2753,110,000279,900308,770461,250613,730766,210918,6901,071,1701,223,650
2763,120,000280,800309,280462,010614,740767,470920,2001,072,9301,225,660
2773,130,000281,700309,780462,760615,740768,720921,7101,074,6901,227,670
2783,140,000282,600310,290463,520616,750769,980923,2101,076,4401,229,670
2793,150,000283,500310,790464,270617,760771,240924,7201,078,2001,231,680
2803,160,000284,400311,300465,030618,760772,490926,2201,079,9501,233,690
2813,170,000285,300311,810465,790619,770773,750927,7301,081,7101,235,690
2823,180,000286,200312,310466,540620,770775,010929,2401,083,4701,237,700
2833,190,000287,100312,820467,300621,780776,260930,7401,085,2201,239,700
2843,200,000288,000313,330468,060622,790777,520932,2501,086,9801,241,710
2853,210,000288,900313,830468,810623,790778,770933,7601,088,7401,243,720
2863,220,000289,800314,340469,570624,800780,030935,2601,090,4901,245,720
2873,230,000290,700314,840470,320625,810781,290936,7701,092,2501,247,730
2883,240,000291,600315,350471,080626,810782,540938,2701,094,0001,249,740
2893,250,000292,500315,860471,840627,820783,800939,7801,095,7601,251,740
2903,260,000293,400316,360472,590628,820785,060941,2901,097,5201,253,750
2913,270,000294,300316,870473,350629,830786,310942,7901,099,2701,255,750
2923,280,000295,200317,380474,110630,840787,570944,3001,101,0301,257,760
2933,290,000296,100317,880474,860631,840788,820945,8101,102,7901,259,770
2943,300,000297,000318,390475,620632,850790,080947,3101,104,5401,261,770
2953,310,000297,900318,890476,370633,860791,340948,8201,106,3001,263,780
2963,320,000298,800319,400477,130634,860792,590950,3201,108,0501,265,790
2973,330,000299,700319,910477,890635,870793,850951,8301,109,8101,267,790
2983,340,000300,600320,410478,640636,870795,110953,3401,111,5701,269,800
2993,350,000301,500320,920479,400637,880796,360954,8401,113,3201,271,800
3003,360,000302,400321,430480,160638,890797,620956,3501,115,0801,273,810
3013,370,000303,300321,930480,910639,890798,870957,8601,116,8401,275,820
3023,380,000304,200322,440481,670640,900800,130959,3601,118,5901,277,820
3033,390,000305,100322,940482,420641,910801,390960,8701,120,3501,279,830
3043,400,000306,000323,450483,180642,910802,640962,3701,122,1001,281,840
3053,410,000306,900323,960483,940643,920803,900963,8801,123,8601,283,840
3063,420,000307,800324,460484,690644,920805,160965,3901,125,6201,285,850
3073,430,000308,700324,970485,450645,930806,410966,8901,127,3701,287,850
3083,440,000309,600325,480486,210646,940807,670968,4001,129,1301,289,860
3093,450,000310,500325,980486,960647,940808,920969,9101,130,8901,291,870
3103,460,000311,400326,490487,720648,950810,180971,4101,132,6401,293,870
3113,470,000312,300326,990488,470649,960811,440972,9201,134,4001,295,880
3123,480,000313,200327,500489,230650,960812,690974,4201,136,1501,297,890
3133,490,000314,100328,010489,990651,970813,950975,9301,137,9101,299,890
3143,500,000315,000328,510490,740652,970815,210977,4401,139,6701,301,900
3153,510,000315,900329,020491,500653,980816,460978,9401,141,4201,303,900
3163,520,000316,800329,530492,260654,990817,720980,4501,143,1801,305,910
3173,530,000317,700330,030493,010655,990818,970981,9601,144,9401,307,920
3183,540,000318,600330,540493,770657,000820,230983,4601,146,6901,309,920
3193,550,000319,500331,040494,520658,010821,490984,9701,148,4501,311,930
3203,560,000320,400331,550495,280659,010822,740986,4701,150,2001,313,940
3213,570,000321,300332,060496,040660,020824,000987,9801,151,9601,315,940
3223,580,000322,200332,560496,790661,020825,260989,4901,153,7201,317,950
3233,590,000323,100333,070497,550662,030826,510990,9901,155,4701,319,950
3243,600,000324,000333,580498,310663,040827,770992,5001,157,2301,321,960
3253,610,000324,900334,080499,060664,040829,020994,0101,158,9901,323,970
3263,620,000325,800334,590499,820665,050830,280995,5101,160,7401,325,970
3273,630,000326,700335,090500,570666,060831,540997,0201,162,5001,327,980
3283,640,000327,600335,600501,330667,060832,790998,5201,164,2501,329,990
3293,650,000328,500336,110502,090668,070834,0501,000,0301,166,0101,331,990
3303,660,000329,400336,610502,840669,070835,3101,001,5401,167,7701,334,000
3313,670,000330,300337,120503,600670,080836,5601,003,0401,169,5201,336,000
3323,680,000331,200337,630504,360671,090837,8201,004,5501,171,2801,338,010
3333,690,000332,100338,130505,110672,090839,0701,006,0601,173,0401,340,020
3343,700,000333,000338,640505,870673,100840,3301,007,5601,174,7901,342,020
3353,710,000333,900339,140506,620674,110841,5901,009,0701,176,5501,344,030
3363,720,000334,800339,650507,380675,110842,8401,010,5701,178,3001,346,040
3373,730,000335,700340,160508,140676,120844,1001,012,0801,180,0601,348,040
3383,740,000336,600340,660508,890677,120845,3601,013,5901,181,8201,350,050
3393,750,000337,500341,170509,650678,130846,6101,015,0901,183,5701,352,050
3403,760,000338,400341,680510,410679,140847,8701,016,6001,185,3301,354,060
3413,770,000339,300342,180511,160680,140849,1201,018,1101,187,0901,356,070
3423,780,000340,200342,690511,920681,150850,3801,019,6101,188,8401,358,070
3433,790,000341,100343,190512,670682,160851,6401,021,1201,190,6001,360,080
3443,800,000342,000343,700513,430683,160852,8901,022,6201,192,3501,362,090
3453,810,000342,900344,210514,190684,170854,1501,024,1301,194,1101,364,090
3463,820,000343,800344,710514,940685,170855,4101,025,6401,195,8701,366,100
3473,830,000344,700345,220515,700686,180856,6601,027,1401,197,6201,368,100
3483,840,000345,600345,730516,460687,190857,9201,028,6501,199,3801,370,110
3493,850,000346,500346,230517,210688,190859,1701,030,1601,201,1401,372,120
3503,860,000347,400346,740517,970689,200860,4301,031,6601,202,8901,374,120
3513,870,000348,300347,240518,720690,210861,6901,033,1701,204,6501,376,130
3523,880,000349,200347,750519,480691,210862,9401,034,6701,206,4001,378,140
3533,890,000350,100348,260520,240692,220864,2001,036,1801,208,1601,380,140
3543,900,000351,000348,760520,990693,220865,4601,037,6901,209,9201,382,150
3553,910,000351,900349,270521,750694,230866,7101,039,1901,211,6701,384,150
3563,920,000352,800349,780522,510695,240867,9701,040,7001,213,4301,386,160
3573,930,000353,700350,280523,260696,240869,2201,042,2101,215,1901,388,170
3583,940,000354,600350,790524,020697,250870,4801,043,7101,216,9401,390,170
3593,950,000355,500351,290524,770698,260871,7401,045,2201,218,7001,392,180
3603,960,000356,400351,800525,530699,260872,9901,046,7201,220,4501,394,190
3613,970,000357,300352,310526,290700,270874,2501,048,2301,222,2101,396,190
3623,980,000358,200352,810527,040701,270875,5101,049,7401,223,9701,398,200
3633,990,000359,100353,320527,800702,280876,7601,051,2401,225,7201,400,200
3644,000,000360,000353,830528,560703,290878,0201,052,7501,227,4801,402,210
3654,010,000360,900354,330529,310704,290879,2701,054,2601,229,2401,404,220
3664,020,000361,800354,840530,070705,300880,5301,055,7601,230,9901,406,220
3674,030,000362,700355,340530,820706,310881,7901,057,2701,232,7501,408,230
3684,040,000363,600355,850531,580707,310883,0401,058,7701,234,5001,410,240
3694,050,000364,500356,360532,340708,320884,3001,060,2801,236,2601,412,240
3704,060,000365,400356,860533,090709,320885,5601,061,7901,238,0201,414,250
3714,070,000366,300357,370533,850710,330886,8101,063,2901,239,7701,416,250
3724,080,000367,200357,880534,610711,340888,0701,064,8001,241,5301,418,260
3734,090,000368,100358,380535,360712,340889,3201,066,3101,243,2901,420,270
3744,100,000369,000358,890536,120713,350890,5801,067,8101,245,0401,422,270
3754,110,000369,900359,390536,870714,360891,8401,069,3201,246,8001,424,280
3764,120,000370,800359,900537,630715,360893,0901,070,8201,248,5501,426,290
3774,130,000371,700360,410538,390716,370894,3501,072,3301,250,3101,428,290
3784,140,000372,600360,910539,140717,370895,6101,073,8401,252,0701,430,300
3794,150,000373,500361,420539,900718,380896,8601,075,3401,253,8201,432,300
3804,160,000374,400361,930540,660719,390898,1201,076,8501,255,5801,434,310
3814,170,000375,300362,430541,410720,390899,3701,078,3601,257,3401,436,320
3824,180,000376,200362,940542,170721,400900,6301,079,8601,259,0901,438,320
3834,190,000377,100363,440542,920722,410901,8901,081,3701,260,8501,440,330
3844,200,000378,000363,950543,680723,410903,1401,082,8701,262,6001,442,340
3854,210,000378,900364,460544,440724,420904,4001,084,3801,264,3601,444,340
3864,220,000379,800364,960545,190725,420905,6601,085,8901,266,1201,446,350
3874,230,000380,700365,470545,950726,430906,9101,087,3901,267,8701,448,350
3884,240,000381,600365,980546,710727,440908,1701,088,9001,269,6301,450,360
3894,250,000382,500366,480547,460728,440909,4201,090,4101,271,3901,452,370
3904,260,000383,400366,990548,220729,450910,6801,091,9101,273,1401,454,370
3914,270,000384,300367,490548,970730,460911,9401,093,4201,274,9001,456,380
3924,280,000385,200368,000549,730731,460913,1901,094,9201,276,6501,458,390
3934,290,000386,100368,510550,490732,470914,4501,096,4301,278,4101,460,390
3944,300,000387,000369,010551,240733,470915,7101,097,9401,280,1701,462,400
3954,310,000387,900369,520552,000734,480916,9601,099,4401,281,9201,464,400
3964,320,000388,800370,030552,760735,490918,2201,100,9501,283,6801,466,410
3974,330,000389,700370,530553,510736,490919,4701,102,4601,285,4401,468,420
3984,340,000390,600371,040554,270737,500920,7301,103,9601,287,1901,470,420
3994,350,000391,500371,540555,020738,510921,9901,105,4701,288,9501,472,430
4004,360,000392,400372,050555,780739,510923,2401,106,9701,290,7001,474,440
4014,370,000393,300372,560556,540740,520924,5001,108,4801,292,4601,476,440
4024,380,000394,200373,060557,290741,520925,7601,109,9901,294,2201,478,450
4034,390,000395,100373,570558,050742,530927,0101,111,4901,295,9701,480,450
4044,400,000396,000374,080558,810743,540928,2701,113,0001,297,7301,482,460
4054,410,000396,900374,580559,560744,540929,5201,114,5101,299,4901,484,470
4064,420,000397,800375,090560,320745,550930,7801,116,0101,301,2401,486,470
4074,430,000398,700375,590561,070746,560932,0401,117,5201,303,0001,488,480
4084,440,000399,600376,100561,830747,560933,2901,119,0201,304,7501,490,490
4094,450,000400,500376,610562,590748,570934,5501,120,5301,306,5101,492,490
4104,460,000401,400377,110563,340749,570935,8101,122,0401,308,2701,494,500
4114,470,000402,300377,620564,100750,580937,0601,123,5401,310,0201,496,500
4124,480,000403,200378,130564,860751,590938,3201,125,0501,311,7801,498,510
4134,490,000404,100378,630565,610752,590939,5701,126,5601,313,5401,500,520
4144,500,000405,000379,140566,370753,600940,8301,128,0601,315,2901,502,520
4154,510,000405,900379,640567,120754,610942,0901,129,5701,317,0501,504,530
4164,520,000406,800380,150567,880755,610943,3401,131,0701,318,8001,506,540
4174,530,000407,700380,660568,640756,620944,6001,132,5801,320,5601,508,540
4184,540,000408,600381,160569,390757,620945,8601,134,0901,322,3201,510,550
4194,550,000409,500381,670570,150758,630947,1101,135,5901,324,0701,512,550
4204,560,000410,400382,180570,910759,640948,3701,137,1001,325,8301,514,560
4214,570,000411,300382,680571,660760,640949,6201,138,6101,327,5901,516,570
4224,580,000412,200383,190572,420761,650950,8801,140,1101,329,3401,518,570
4234,590,000413,100383,690573,170762,660952,1401,141,6201,331,1001,520,580
4244,600,000414,000384,200573,930763,660953,3901,143,1201,332,8501,522,590
4254,610,000414,900384,710574,690764,670954,6501,144,6301,334,6101,524,590
4264,620,000415,800385,210575,440765,670955,9101,146,1401,336,3701,526,600
4274,630,000416,700385,720576,200766,680957,1601,147,6401,338,1201,528,600
4284,640,000417,600386,230576,960767,690958,4201,149,1501,339,8801,530,610
4294,650,000418,500386,730577,710768,690959,6701,150,6601,341,6401,532,620
4304,660,000419,400387,240578,470769,700960,9301,152,1601,343,3901,534,620
4314,670,000420,300387,740579,220770,710962,1901,153,6701,345,1501,536,630
4324,680,000421,200388,250579,980771,710963,4401,155,1701,346,9001,538,640
4334,690,000422,100388,760580,740772,720964,7001,156,6801,348,6601,540,640
4344,700,000423,000389,260581,490773,720965,9601,158,1901,350,4201,542,650
4354,710,000423,900389,770582,250774,730967,2101,159,6901,352,1701,544,650
4364,720,000424,800390,280583,010775,740968,4701,161,2001,353,9301,546,660
4374,730,000425,700390,780583,760776,740969,7201,162,7101,355,6901,548,670
4384,740,000426,600391,290584,520777,750970,9801,164,2101,357,4401,550,670
4394,750,000427,500391,790585,270778,760972,2401,165,7201,359,2001,552,680
4404,760,000428,400392,300586,030779,760973,4901,167,2201,360,9501,554,690
4414,770,000429,300392,810586,790780,770974,7501,168,7301,362,7101,556,690
4424,780,000430,200393,310587,540781,770976,0101,170,2401,364,4701,558,700
4434,790,000431,100393,820588,300782,780977,2601,171,7401,366,2201,560,700
4444,800,000432,000394,330589,060783,790978,5201,173,2501,367,9801,562,710
4454,810,000432,900394,830589,810784,790979,7701,174,7601,369,7401,564,720
4464,820,000433,800395,340590,570785,800981,0301,176,2601,371,4901,566,720
4474,830,000434,700395,840591,320786,810982,2901,177,7701,373,2501,568,730
4484,840,000435,600396,350592,080787,810983,5401,179,2701,375,0001,570,740
4494,850,000436,500396,860592,840788,820984,8001,180,7801,376,7601,572,740
4504,860,000437,400397,360593,590789,820986,0601,182,2901,378,5201,574,750
4514,870,000438,300397,870594,350790,830987,3101,183,7901,380,2701,576,750
4524,880,000439,200398,380595,110791,840988,5701,185,3001,382,0301,578,760
4534,890,000440,100398,880595,860792,840989,8201,186,8101,383,7901,580,770
4544,900,000441,000399,390596,620793,850991,0801,188,3101,385,5401,582,770
4554,910,000441,900399,890597,370794,860992,3401,189,8201,387,3001,584,780
4564,920,000442,800400,400598,130795,860993,5901,191,3201,389,0501,586,790
4574,930,000443,700400,910598,890796,870994,8501,192,8301,390,8101,588,790
4584,940,000444,600401,410599,640797,870996,1101,194,3401,392,5701,590,800
4594,950,000445,500401,920600,400798,880997,3601,195,8401,394,3201,592,800
4604,960,000446,400402,430601,160799,890998,6201,197,3501,396,0801,594,810
4614,970,000447,300402,930601,910800,890999,8701,198,8601,397,8401,596,820
4624,980,000448,200403,440602,670801,9001,001,1301,200,3601,399,5901,598,820
4634,990,000449,100403,940603,420802,9101,002,3901,201,8701,401,3501,600,830
4645,000,000450,000404,450604,180803,9101,003,6401,203,3701,403,1001,602,840
4655,010,000450,900404,960604,940804,9201,004,9001,204,8801,404,8601,604,840
4665,020,000451,800405,460605,690805,9201,006,1601,206,3901,406,6201,606,850
4675,030,000452,700405,970606,450806,9301,007,4101,207,8901,408,3701,608,850
4685,040,000453,600406,480607,210807,9401,008,6701,209,4001,410,1301,610,860
4695,050,000454,500406,980607,960808,9401,009,9201,210,9101,411,8901,612,870
4705,100,000459,000409,510611,740813,9701,016,2101,218,4401,420,6701,622,900
4715,200,000468,000414,580619,310824,0401,028,7701,233,5001,438,2301,642,960
4725,300,000477,000419,640626,870834,1001,041,3301,248,5601,455,7901,663,020
4735,400,000486,000424,700634,430844,1601,053,8901,263,6201,473,3501,683,090
4745,500,000495,000429,760641,990854,2201,066,4601,278,6901,490,9201,703,150
4755,600,000504,000434,830649,560864,2901,079,0201,293,7501,508,4801,723,210
4765,700,000513,000439,890657,120874,3501,091,5801,308,8101,526,0401,743,270
4775,800,000522,000444,950664,680884,4101,104,1401,323,8701,543,6001,763,340
4785,900,000531,000450,010672,240894,4701,116,7101,338,9401,561,1701,783,400
  1. 연금액산정 : {1.26(A+B)P19/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)
  1. 주민등록표상 세대를 같이하는 가족이 있을 경우 배우자 연 293,580원, 자녀/부모 1인당 연 195,660원의 부양가족연금액이 가산됩니다.
  2. 2024년 1월에 최초 가입 및 “A”값(2024년도 적용 2,989,237원)을 가정하여 산정하였으므로 실제와 상이할 수 있습니다.
  3. 향후 실제 연금수급월액은 연금수급당시의 “A”값 및 재평가율을 적용하므로 변동될 수 있습니다.
  4. 연금의 월지급액(부양가족연금액 포함)은 가입자이었던 최종 5년간의 기준소득월액의 평균액과 가입기간중의 기준소득월액의 평균액을 재평가한 금액 중에서 많은 금액을 초과하지 못합니다.
  5. 2023년 7월부터 2024년 6월까지 기준소득월액 하한액은 370,000원, 상한액은 5,900,000원입니다.
  6. 예상연금월액은 세전금액으로 향후 연금수급 시 세금을 공제한 금액으로 연금 수급하므로 상이할 수 있습니다.

연금 수령 연령별 예상금액 비교

국민연금은 만 62세부터 수령할 수 있지만, 조기 수령하거나 연기하면 수령액이 달라집니다. 아래 표는 같은 조건에서 연령별로 예상되는 연금 수령액을 비교한 것입니다.

수령 시작 연령기본 연금액 (100%)조기 연금 (-6%/년)연기 연금 (+7.2%/년)
57세70% (조기 수령)
60세82% (조기 수령)
62세100%
65세122%연기 수령
70세149%연기 수령

예를 들어, 연금액이 100만 원이라면:

  • 60세 조기 연금을 신청하면 82만 원 지급
  • 65세까지 연기하면 122만 원 지급
  • 70세까지 연기하면 149만 원 지급

따라서 경제 상황에 맞게 연금 수령 시점을 조정하면 연금액을 최적화할 수 있습니다.

개인별 국민연금 예상액 확인 방법

본인의 정확한 예상 연금 수령액을 확인하는 방법은 다음과 같습니다.

  1. 국민연금공단 홈페이지 방문
  2. “내 연금 알아보기” 메뉴 클릭
  3. 공동인증서(구 공인인증서) 로그인
  4. 예상연금액 확인

국민연금공단에서는 예상연금액을 계산할 수 있는 간단 계산기를 제공하므로 직접 입력하여 확인할 수도 있습니다.

국민연금 관련 자주 묻는 질문 (FAQ)

Q1. 국민연금은 언제부터 받을 수 있나요?

국민연금은 만 62세부터 수령할 수 있으며, 출생 연도에 따라 연령이 달라질 수 있습니다.

Q2. 국민연금 납부를 중단하면 어떻게 되나요?

납부 중단 시 연금 수령액이 줄어들며, 가입 기간이 10년 미만이면 연금 대신 일시금으로 지급됩니다.

Q3. 국민연금 수령액을 늘릴 수 있는 방법이 있나요?

임의가입 또는 추가납부(반납제도)를 통해 가입 기간을 늘리면 연금 수령액을 증가시킬 수 있습니다.