Taiwan take-home pay and employer cost calculator 2026
Enter a monthly salary to see take-home pay after Labor Insurance, Employment Insurance, voluntary pension contributions and income tax, plus what the employer pays on top.
The National Health Insurance premium is not deducted yet. Open the NHI premium calculator
Take-home pay is 96.1% of your monthly salary
- Take-home 96.1%
- Labor and Employment Insurance 2.5%
- Voluntary pension 0.0%
- Health insurance 0.0%
- Income tax 1.3%
- Labor Insurance (your share)
- NT$1,053
- Employment Insurance (your share)
- NT$92
- Voluntary pension contribution
- NT$0
- National Health Insurance
- Not entered
- Income tax (monthly average)
- NT$598
- Total deductions
- NT$1,743
- Monthly take-home pay
- NT$43,257
Paid by your employer on top
- Labor Insurance
- NT$3,687
- Employment Insurance
- NT$321
- Occupational accident insurance
- NT$96
- Labor Pension contribution (at least 6%)
- NT$2,748
- Employer contributions in total
- NT$6,852
- Employer cost per month
- NT$51,852
Employer cost is your monthly salary plus the employer contributions above. It leaves out the employer share of National Health Insurance.
Your employer pays 15.2% of your monthly salary on top of it (before the employer share of NHI)
- Your salary 86.8%
- Employer Labor and Employment Insurance 7.7%
- Occupational accident 0.2%
- Pension (6%) 5.3%
Whole year
- Gross pay for the year
- NT$607,500
- Take-home pay for the year
- NT$586,585
Labor and Employment Insurance are charged on the insured salary bracket (NT$45,800) and the pension on the contribution wage bracket (NT$45,800). Both come from 2026 bracket tables, so they can differ from your actual salary.
The income tax is an estimate for a single filer on salary income only, using the amounts announced for tax year 2026 (ROC year 115). The basic living expense amount for that year has not been announced and is left out.
This estimate is for reference only and is not tax or financial advice. Actual amounts depend on the Bureau of Labor Insurance, the Ministry of Labor and the Ministry of Finance, and on your personal situation.
Source: Bureau of Labor Insurance 2026 premium tables, Ministry of Labor, Ministry of Finance tax year 2026 amounts. Checked 2026-11-10.
How do I read the result?
The big number is what lands in your account each month using 2026 rates, before the National Health Insurance premium unless you enter it. The first bar splits your salary into take-home and deductions. The second bar shows your employer's full cost, which is your salary plus the insurance and pension the employer pays for you. Health insurance is left out unless you enter it.
How this result is produced
Enter your monthly salary and see what is deducted for Labor Insurance, Employment Insurance, voluntary pension and income tax, and what your employer pays on top.
Insured salary: your monthly salary is matched to the 2026 Labor Insurance bracket table (11 brackets, NT$29,500 to NT$45,800), and to a separate 62-bracket pension table.
Labor Insurance is the insured salary times 11.5%, and Employment Insurance is the insured salary times 1%. Workers pay 20%, employers 70% and the government 10%. Each item is rounded to the nearest NT$1.
Occupational accident insurance uses the all-industry average rate of 0.21% by default, on its own bracket table up to NT$72,800, and the employer pays all of it.
The employer pension contribution is 6% of the contribution wage. Your voluntary contribution is the rate you choose, up to 6%, on the same wage.
Income tax: annual salary is monthly salary times (12 plus bonus months), less your voluntary pension for the year. The tax is worked out for a single filer with the standard deduction, the salary special deduction and the exemptions for the dependents you enter, using tax year 2026 (ROC year 115) amounts. The estimated annual tax is divided by 12.
The 2027 insurance rate has been announced but the 2027 bracket tables have not, so this tool stays on 2026.
Where does the data come from?
Bureau of Labor Insurance 2026 premium tables, bracket tables and pension contribution brackets; Ministry of Labor occupational accident rate notice; Ministry of Finance notice of tax year 2026 amounts. Checked 2026-11-10.
- Bureau of Labor Insurance: 2026 premium share table
- Bureau of Labor Insurance: 2026 insured salary brackets
- Ministry of Labor: occupational accident insurance rates
- Bureau of Labor Insurance: 2026 pension contribution brackets
- Bureau of Labor Insurance: Labor Pension basics (Article 14)
- Executive Yuan Gazette: tax year 2026 amounts (announced 2025-11-27)
Frequently asked questions
How is my Labor Insurance premium worked out?
In 2026 the ordinary-risk rate is 11.5% for Labor Insurance, plus 1% for Employment Insurance. Workers pay 20% of each. The rate applies to your insured salary bracket, not your exact pay. At the top bracket of NT$45,800 you pay NT$1,053 and NT$92 a month.
Does my Labor Insurance premium keep rising above NT$45,800?
No. In 2026 the highest Labor Insurance bracket is NT$45,800, and any salary above NT$43,900 is counted as NT$45,800. Your share stays the same above that. The pension contribution wage goes up to NT$150,000 and occupational accident insurance to NT$72,800, so the employer's costs keep rising.
What does my employer pay besides my salary?
In 2026 the employer pays 70% of Labor Insurance and Employment Insurance, all of the occupational accident insurance (0.21% on average across industries) and at least 6% of your wage into your Labor Pension account. The employer also pays a share of National Health Insurance, which this tool does not include.
If I put in a voluntary pension contribution, do I pay less tax?
Yes. Your take-home pay falls by the amount you contribute, but up to 6% of your wage is not counted as taxable salary income for that year. For NT$45,000 a month with 1.5 bonus months, contributing 6% lowers monthly take-home pay (before NHI) from NT$43,257 to NT$40,646 and the estimated annual tax from NT$7,175 to NT$5,526 (tax year 2026).
Why is National Health Insurance not included?
Health insurance premiums are covered by the health topic. If you work out your premium there and enter it in the field next to it, it is deducted from your take-home pay. Otherwise the result says it is not included.
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