Calculate Taiwan monthly take-home pay (Net Pay), Labor Insurance (勞保), National Health Insurance (健保), and Labor Pension (勞退) contributions using official 2026 (ROC Year 115) government grade tables.
Monthly salary minus employee Labor Insurance, Health Insurance, and voluntary pension contributions
| Item | Employee Share | Employer Share | Insured Grade / Basis |
|---|---|---|---|
| Labor Insurance (incl. Employment Ins.) Ordinary 11.5% + Employment 1% = 12.5% (Employee 20% / Employer 70% / Gov 10%) | NT$738 | NT$2,582 | Grade NT$29,500 |
| Health Insurance (0 dependent(s)) Rate 5.17% (Employee 30% × (1+{n}) / Employer 60% × 1.56 avg dependents) | NT$458 | NT$1,428 | Grade NT$29,500 |
| Labor Pension Employer 6% Mandatory employer contribution ≥ 6% of pension wage grade (not deducted from salary) | NT$0 | NT$1,770 | Grade NT$29,500 |
| Labor Pension Voluntary 0% Optional employee contribution (0%–6%), fully deductible from annual taxable income | NT$0 | NT$0 | Grade NT$29,500 |
| Total Employee Deduction / Total Employer Cost (Salary + Employer Share) NT$29,500 + NT$5,780 = NT$35,280 | NT$1,196 | NT$35,280 | +NT$5,780 |
Results are estimates for reference only. Actual deductions depend on official declarations and bills issued by the BLI and NHIA. All calculations run 100% locally in your browser.
Exclusions: Occupational Accident Insurance (100% employer-paid, varies by industry), Wage Arrears Payment Fund (0.025%, employer-paid), 2nd-Gen NHI Supplementary Premiums (bonuses > 4× insured amount), income tax withholding, and part-time brackets.
Calculate Taiwan monthly take-home pay (Net Pay), Labor Insurance (勞保), National Health Insurance (健保), and Labor Pension (勞退) contributions using official 2026 (ROC Year 115) government grade tables. Use it for everyday work, development, learning, or quick verification.
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Starting January 1, 2026 (ROC Year 115), Taiwan’s statutory minimum wage is NT$29,500 per month and NT$196 per hour. Alongside this adjustment, the Ministry of Labor (BLI) and the National Health Insurance Administration (NHIA) updated the official insured salary bracket tables for Labor Insurance (勞保), National Health Insurance (健保), and Labor Pension (勞退). In Taiwan, payroll deductions and employer contributions are calculated using standardized bracket tables rather than raw salary percentages—meaning any salary between two brackets is rounded up to the next higher grade.
For Labor Insurance (including Employment Insurance), the 2026 combined rate for regular employees is 12.5% (11.5% ordinary accident insurance + 1% employment insurance). The statutory cost-sharing ratio is 20% paid by the employee, 70% by the employer, and 10% subsidized by the government. The regular full-time Labor Insurance table consists of 11 grades ranging from NT$29,500 up to a maximum cap of NT$45,800. Ordinary and employment insurance portions are rounded separately to the nearest New Taiwan Dollar before summing.
For National Health Insurance (NHI Category 1 employees), the premium rate is 5.17%, split 30% employee, 60% employer, and 10% government across 58 grades from NT$29,500 to NT$313,000. Employees pay for themselves plus each enrolled dependent, capped at a maximum of 3 dependents (4 persons total). Employers always pay a fixed multiplier based on the national average of 0.56 dependents (1.56×), regardless of how many family members an individual worker registers. Under the New Labor Pension System, employers must contribute at least 6% of the employee’s pension wage grade (ranging from NT$1,500 to NT$150,000 across 62 grades) into the worker’s personal retirement account, while employees may optionally contribute an additional 0% to 6% tax-free from their annual taxable income.
Concrete 2026 example: A full-time employee earning the minimum wage of NT$29,500 with 0 dependents and 0% voluntary pension falls into the NT$29,500 grade across all three tables. The employee pays NT$738 for Labor Insurance and NT$458 for Health Insurance (total deduction NT$1,196), resulting in a monthly take-home pay (Net Pay) of NT$28,304. Meanwhile, the employer pays NT$2,582 for Labor Insurance, NT$1,428 for Health Insurance, and NT$1,770 for the 6% Labor Pension (NT$5,780 in statutory contributions), bringing the total monthly employer cost to NT$35,280.
Taiwanese social insurance and pension systems use tiered bracket tables (投保薪資分級表). Employers must report your total regular monthly wages and map that number to the first bracket equal to or greater than your pay. For instance, if your monthly salary is NT$35,000, it falls between the NT$34,800 and NT$36,300 brackets, so your contributions are calculated using the NT$36,300 grade.
The Labor Insurance table caps at Grade 11, which is NT$45,800. Even if you earn NT$80,000 or NT$200,000 a month, your Labor Insurance deduction remains capped at the NT$45,800 bracket (NT$1,145 employee share). However, National Health Insurance continues scaling up to NT$313,000 (58 grades), and the Labor Pension table scales up to NT$150,000 (62 grades).
Each non-working dependent (such as a spouse, parent, or child) enrolled under your NHI adds one full employee premium share: Employee NHI = Base Share × (1 + Dependents). By law, you are billed for at most 3 dependents—any 4th or additional dependent is covered at no extra charge. Adding dependents does not change the employer’s NHI cost, which is always calculated using the statutory average of 0.56 dependents.
Voluntary pension contributions are 100% deductible from your annual gross consolidated income when filing Taiwan income taxes, making it especially advantageous for middle-to-high tax brackets while earning guaranteed minimum returns. Note that this calculator excludes employer-only Occupational Accident Insurance (varies by industry), the 0.025% Wage Arrears Payment Fund, 2nd-Gen NHI Supplementary Premiums (2.11% on bonuses exceeding 4× insured salary), and monthly income tax withholding.
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