국민연금의 최소 가입 기간인 10년까지 연금을 납부했다면 65세 이후 매달 얼마의 연금을 받게 될까요?

국민연금은 최소 10년 이상 납부해야 65세 이후, 매월 연금 형태로 받을 수 있습니다. 즉, 국민연금의 최소 가입기간은 10년이며, 만약 이 가입 기간을 채우지 못하면 그동안 납부한 보험료에 대해 반환일시금 형태로 되돌려 받게 되거나 임의 계속 가입을 선택하여 가입기간을 채울 수 있습니다.

다른 조건이나 상황은 제외하고 정확하게 10년간 국민연금 보험료를 납부하였다면 국민연금 가입 기간동안의 평균 소득에 따라 받게되는 연금의 액수가 달라집니다. 그 이유는 소득에 따라 납부한 국민연금 보험료 액수가 다르기 때문입니다.


본인의 국민연금 가입 기간동안의 평균 소득(또는 예상 평균 소득)에 대해 확인하고 싶다면 아래 가이드를 참고하시기 바랍니다.


국민연금을 10년 가입한 동안 평균 소득에 따라 받게 되는 국민연금 예상 수령액은 다음과 같습니다.

국민연금 10년 납부 수령액 (2023년 기준)

  • 월 보험료는 매월 납부하는 국민연금 보험료로 소득의 9%가 책정됩니다.
  • 연금수령액은 만65세 이후, 매월 수령하게 되는 연금액입니다.

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  • 월 평균 소득 35만원 ~ 100만원 구간
가입기간
월평균소득
월보험료연금수령액
350,00031,500163,560
360,00032,400164,070
370,00033,300164,580
380,00034,200165,090
390,00035,100165,600
400,00036,000166,110
410,00036,900166,620
420,00037,800167,130
430,00038,700167,630
440,00039,600168,140
450,00040,500168,650
460,00041,400169,160
470,00042,300169,670
480,00043,200170,180
490,00044,100170,690
500,00045,000171,200
510,00045,900171,710
520,00046,800172,220
530,00047,700172,730
540,00048,600173,240
550,00049,500173,750
560,00050,400174,260
570,00051,300174,770
580,00052,200175,280
590,00053,100175,780
600,00054,000176,290
610,00054,900176,800
620,00055,800177,310
630,00056,700177,820
640,00057,600178,330
650,00058,500178,840
660,00059,400179,350
670,00060,300179,860
680,00061,200180,370
690,00062,100180,880
700,00063,000181,390
710,00063,900181,900
720,00064,800182,410
730,00065,700182,920
740,00066,600183,430
750,00067,500183,930
760,00068,400184,440
770,00069,300184,950
780,00070,200185,460
790,00071,100185,970
800,00072,000186,480
810,00072,900186,990
820,00073,800187,500
830,00074,700188,010
840,00075,600188,520
850,00076,500189,030
860,00077,400189,540
870,00078,300190,050
880,00079,200190,560
890,00080,100191,070
900,00081,000191,580
910,00081,900192,080
920,00082,800192,590
930,00083,700193,100
940,00084,600193,610
950,00085,500194,120
960,00086,400194,630
970,00087,300195,140
980,00088,200195,650
990,00089,100196,160
1,000,00090,000196,670

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  • 월 평균 소득 101만원 ~ 200만원 구간
가입기간
월평균소득
월보험료연금수령액
1,010,00090,900197,180
1,020,00091,800197,690
1,030,00092,700198,200
1,040,00093,600198,710
1,050,00094,500199,220
1,060,00095,400199,730
1,070,00096,300200,230
1,080,00097,200200,740
1,090,00098,100201,250
1,100,00099,000201,760
1,110,00099,900202,270
1,120,000100,800202,780
1,130,000101,700203,290
1,140,000102,600203,800
1,150,000103,500204,310
1,160,000104,400204,820
1,170,000105,300205,330
1,180,000106,200205,840
1,190,000107,100206,350
1,200,000108,000206,860
1,210,000108,900207,370
1,220,000109,800207,880
1,230,000110,700208,380
1,240,000111,600208,890
1,250,000112,500209,400
1,260,000113,400209,910
1,270,000114,300210,420
1,280,000115,200210,930
1,290,000116,100211,440
1,300,000117,000211,950
1,310,000117,900212,460
1,320,000118,800212,970
1,330,000119,700213,480
1,340,000120,600213,990
1,350,000121,500214,500
1,360,000122,400215,010
1,370,000123,300215,520
1,380,000124,200216,030
1,390,000125,100216,530
1,400,000126,000217,040
1,410,000126,900217,550
1,420,000127,800218,060
1,430,000128,700218,570
1,440,000129,600219,080
1,450,000130,500219,590
1,460,000131,400220,100
1,470,000132,300220,610
1,480,000133,200221,120
1,490,000134,100221,630
1,500,000135,000222,140
1,510,000135,900222,650
1,520,000136,800223,160
1,530,000137,700223,670
1,540,000138,600224,180
1,550,000139,500224,680
1,560,000140,400225,190
1,570,000141,300225,700
1,580,000142,200226,210
1,590,000143,100226,720
1,600,000144,000227,230
1,610,000144,900227,740
1,620,000145,800228,250
1,630,000146,700228,760
1,640,000147,600229,270
1,650,000148,500229,780
1,660,000149,400230,290
1,670,000150,300230,800
1,680,000151,200231,310
1,690,000152,100231,820
1,700,000153,000232,330
1,710,000153,900232,830
1,720,000154,800233,340
1,730,000155,700233,850
1,740,000156,600234,360
1,750,000157,500234,870
1,760,000158,400235,380
1,770,000159,300235,890
1,780,000160,200236,400
1,790,000161,100236,910
1,800,000162,000237,420
1,810,000162,900237,930
1,820,000163,800238,440
1,830,000164,700238,950
1,840,000165,600239,460
1,850,000166,500239,970
1,860,000167,400240,480
1,870,000168,300240,980
1,880,000169,200241,490
1,890,000170,100242,000
1,900,000171,000242,510
1,910,000171,900243,020
1,920,000172,800243,530
1,930,000173,700244,040
1,940,000174,600244,550
1,950,000175,500245,060
1,960,000176,400245,570
1,970,000177,300246,080
1,980,000178,200246,590
1,990,000179,100247,100
2,000,000180,000247,610

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  • 월 평균 소득 201만원 ~ 300만원 구간
가입기간
월평균소득
월보험료연금수령액
2,010,000180,900248,120
2,020,000181,800248,630
2,030,000182,700249,130
2,040,000183,600249,640
2,050,000184,500250,150
2,060,000185,400250,660
2,070,000186,300251,170
2,080,000187,200251,680
2,090,000188,100252,190
2,100,000189,000252,700
2,110,000189,900253,210
2,120,000190,800253,720
2,130,000191,700254,230
2,140,000192,600254,740
2,150,000193,500255,250
2,160,000194,400255,760
2,170,000195,300256,270
2,180,000196,200256,780
2,190,000197,100257,280
2,200,000198,000257,790
2,210,000198,900258,300
2,220,000199,800258,810
2,230,000200,700259,320
2,240,000201,600259,830
2,250,000202,500260,340
2,260,000203,400260,850
2,270,000204,300261,360
2,280,000205,200261,870
2,290,000206,100262,380
2,300,000207,000262,890
2,310,000207,900263,400
2,320,000208,800263,910
2,330,000209,700264,420
2,340,000210,600264,930
2,350,000211,500265,430
2,360,000212,400265,940
2,370,000213,300266,450
2,380,000214,200266,960
2,390,000215,100267,470
2,400,000216,000267,980
2,410,000216,900268,490
2,420,000217,800269,000
2,430,000218,700269,510
2,440,000219,600270,020
2,450,000220,500270,530
2,460,000221,400271,040
2,470,000222,300271,550
2,480,000223,200272,060
2,490,000224,100272,570
2,500,000225,000273,080
2,510,000225,900273,580
2,520,000226,800274,090
2,530,000227,700274,600
2,540,000228,600275,110
2,550,000229,500275,620
2,560,000230,400276,130
2,570,000231,300276,640
2,580,000232,200277,150
2,590,000233,100277,660
2,600,000234,000278,170
2,610,000234,900278,680
2,620,000235,800279,190
2,630,000236,700279,700
2,640,000237,600280,210
2,650,000238,500280,720
2,660,000239,400281,230
2,670,000240,300281,730
2,680,000241,200282,240
2,690,000242,100282,750
2,700,000243,000283,260
2,710,000243,900283,770
2,720,000244,800284,280
2,730,000245,700284,790
2,740,000246,600285,300
2,750,000247,500285,810
2,760,000248,400286,320
2,770,000249,300286,830
2,780,000250,200287,340
2,790,000251,100287,850
2,800,000252,000288,360
2,810,000252,900288,870
2,820,000253,800289,380
2,830,000254,700289,880
2,840,000255,600290,390
2,850,000256,500290,900
2,860,000257,400291,410
2,870,000258,300291,920
2,880,000259,200292,430
2,890,000260,100292,940
2,900,000261,000293,450
2,910,000261,900293,960
2,920,000262,800294,470
2,930,000263,700294,980
2,940,000264,600295,490
2,950,000265,500296,000
2,960,000266,400296,510
2,970,000267,300297,020
2,980,000268,200297,530
2,990,000269,100298,030
3,000,000270,000298,540

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  • 월 평균 소득 301만원 ~ 400만원 구간
가입기간
월평균소득
월보험료연금수령액
3,010,000270,900299,050
3,020,000271,800299,560
3,030,000272,700300,070
3,040,000273,600300,580
3,050,000274,500301,090
3,060,000275,400301,600
3,070,000276,300302,110
3,080,000277,200302,620
3,090,000278,100303,130
3,100,000279,000303,640
3,110,000279,900304,150
3,120,000280,800304,660
3,130,000281,700305,170
3,140,000282,600305,680
3,150,000283,500306,180
3,160,000284,400306,690
3,170,000285,300307,200
3,180,000286,200307,710
3,190,000287,100308,220
3,200,000288,000308,730
3,210,000288,900309,240
3,220,000289,800309,750
3,230,000290,700310,260
3,240,000291,600310,770
3,250,000292,500311,280
3,260,000293,400311,790
3,270,000294,300312,300
3,280,000295,200312,810
3,290,000296,100313,320
3,300,000297,000313,830
3,310,000297,900314,330
3,320,000298,800314,840
3,330,000299,700315,350
3,340,000300,600315,860
3,350,000301,500316,370
3,360,000302,400316,880
3,370,000303,300317,390
3,380,000304,200317,900
3,390,000305,100318,410
3,400,000306,000318,920
3,410,000306,900319,430
3,420,000307,800319,940
3,430,000308,700320,450
3,440,000309,600320,960
3,450,000310,500321,470
3,460,000311,400321,980
3,470,000312,300322,480
3,480,000313,200322,990
3,490,000314,100323,500
3,500,000315,000324,010
3,510,000315,900324,520
3,520,000316,800325,030
3,530,000317,700325,540
3,540,000318,600326,050
3,550,000319,500326,560
3,560,000320,400327,070
3,570,000321,300327,580
3,580,000322,200328,090
3,590,000323,100328,600
3,600,000324,000329,110
3,610,000324,900329,620
3,620,000325,800330,130
3,630,000326,700330,630
3,640,000327,600331,140
3,650,000328,500331,650
3,660,000329,400332,160
3,670,000330,300332,670
3,680,000331,200333,180
3,690,000332,100333,690
3,700,000333,000334,200
3,710,000333,900334,710
3,720,000334,800335,220
3,730,000335,700335,730
3,740,000336,600336,240
3,750,000337,500336,750
3,760,000338,400337,260
3,770,000339,300337,770
3,780,000340,200338,280
3,790,000341,100338,780
3,800,000342,000339,290
3,810,000342,900339,800
3,820,000343,800340,310
3,830,000344,700340,820
3,840,000345,600341,330
3,850,000346,500341,840
3,860,000347,400342,350
3,870,000348,300342,860
3,880,000349,200343,370
3,890,000350,100343,880
3,900,000351,000344,390
3,910,000351,900344,900
3,920,000352,800345,410
3,930,000353,700345,920
3,940,000354,600346,430
3,950,000355,500346,930
3,960,000356,400347,440
3,970,000357,300347,950
3,980,000358,200348,460
3,990,000359,100348,970
4,000,000360,000349,480

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  • 월 평균 소득 401만원 ~ 500만원 구간
가입기간
월평균소득
월보험료연금수령액
4,010,000360,900349,990
4,020,000361,800350,500
4,030,000362,700351,010
4,040,000363,600351,520
4,050,000364,500352,030
4,060,000365,400352,540
4,070,000366,300353,050
4,080,000367,200353,560
4,090,000368,100354,070
4,100,000369,000354,580
4,110,000369,900355,080
4,120,000370,800355,590
4,130,000371,700356,100
4,140,000372,600356,610
4,150,000373,500357,120
4,160,000374,400357,630
4,170,000375,300358,140
4,180,000376,200358,650
4,190,000377,100359,160
4,200,000378,000359,670
4,210,000378,900360,180
4,220,000379,800360,690
4,230,000380,700361,200
4,240,000381,600361,710
4,250,000382,500362,220
4,260,000383,400362,730
4,270,000384,300363,230
4,280,000385,200363,740
4,290,000386,100364,250
4,300,000387,000364,760
4,310,000387,900365,270
4,320,000388,800365,780
4,330,000389,700366,290
4,340,000390,600366,800
4,350,000391,500367,310
4,360,000392,400367,820
4,370,000393,300368,330
4,380,000394,200368,840
4,390,000395,100369,350
4,400,000396,000369,860
4,410,000396,900370,370
4,420,000397,800370,880
4,430,000398,700371,380
4,440,000399,600371,890
4,450,000400,500372,400
4,460,000401,400372,910
4,470,000402,300373,420
4,480,000403,200373,930
4,490,000404,100374,440
4,500,000405,000374,950
4,510,000405,900375,460
4,520,000406,800375,970
4,530,000407,700376,480
4,540,000408,600376,990
4,550,000409,500377,500
4,560,000410,400378,010
4,570,000411,300378,520
4,580,000412,200379,030
4,590,000413,100379,530
4,600,000414,000380,040
4,610,000414,900380,550
4,620,000415,800381,060
4,630,000416,700381,570
4,640,000417,600382,080
4,650,000418,500382,590
4,660,000419,400383,100
4,670,000420,300383,610
4,680,000421,200384,120
4,690,000422,100384,630
4,700,000423,000385,140
4,710,000423,900385,650
4,720,000424,800386,160
4,730,000425,700386,670
4,740,000426,600387,180
4,750,000427,500387,680
4,760,000428,400388,190
4,770,000429,300388,700
4,780,000430,200389,210
4,790,000431,100389,720
4,800,000432,000390,230
4,810,000432,900390,740
4,820,000433,800391,250
4,830,000434,700391,760
4,840,000435,600392,270
4,850,000436,500392,780
4,860,000437,400393,290
4,870,000438,300393,800
4,880,000439,200394,310
4,890,000440,100394,820
4,900,000441,000395,330
4,910,000441,900395,830
4,920,000442,800396,340
4,930,000443,700396,850
4,940,000444,600397,360
4,950,000445,500397,870
4,960,000446,400398,380
4,970,000447,300398,890
4,980,000448,200399,400
4,990,000449,100399,910
5,000,000450,000400,420

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  • 월 평균 소득 501만원 ~ 505만원 구간, 553만원
가입기간
월평균소득
월보험료연금수령액
5,010,000450,900400,930
5,020,000451,800401,440
5,030,000452,700401,950
5,040,000453,600402,460
5,050,000454,500402,970
5,530,000497,700427,420

  • 553만원 월 평균 소득은 국민연금 기준소득월액 상한소득액으로 이 이상의 초과 소득을 올리는 가입자의 경우에도 동일하게 553만원 소득으로 보험료가 책정됩니다. 이 때 국민연금 월 납입 보험료는 497,700원(최대)입니다. (직장인의 경우, 이중 절반인 248,850원 부담. 나머지 절반은 회사가 부담)
  • 2023년 7월부터는 기준 소득월액이 590만원으로 상향되었으며, 이 때 월 납입 보험료는 531,000원(직장인의 경우, 265,500만원 부담)

※ 국민연금 20년간 납부하면 얼마를 받게 될까? (20년 납부 예상 수령액)