Estimate Taiwan 勞保 / 健保 / 勞退 employee deductions + employer burden from salary (2024). Free, in-browser estimate.
Taiwan Labor & Health Insurance Calculator
Estimate the Taiwan employee's monthly social-insurance deductions — 勞保 (labor insurance), 健保 (National Health Insurance) and 勞退 (labor pension) — from monthly salary, using 2024 rates and the insured-salary/amount brackets. Everything runs in your browser.
How Taiwan labor & health insurance and the labor pension work (2024)
Enter your monthly salary (NT$)
Type your monthly salary. The calculator clamps it to the labor-insurance insured-salary range (NT$27,470–45,800) and the NHI insured-amount range (NT$27,470–219,500) as the premium base.
Enter number of dependents
NHI is charged on the insured (本人); each dependent adds one further insured share, capped at 3. More dependents directly increase your NHI deduction.
Choose your voluntary pension rate
Under the new labor-pension scheme the employer contributes 6% of the monthly contribution wage (a benefit, not a deduction). You may voluntarily add 0–6%, which IS deducted from your pay.
Read your monthly deductions and take-home
The result shows the employee monthly total (勞保 + 健保 + voluntary pension), the 勞保 share, the 健保 share, the employer burden (informational) and take-home pay.
How Taiwan labor & health insurance and the labor pension work (2024)
In Taiwan, employees pay into two main social insurances every month: labor insurance (勞保, which bundles employment insurance) and National Health Insurance (健保). A third scheme, the labor pension (勞退新制), is funded mainly by the employer. This calculator estimates the employee's monthly share of all three from a single salary figure, using 2024 rates.
Labor insurance has a 12% ordinary premium rate (11% ordinary-event + 1% employment insurance). The premium is split 20% employee / 70% employer / 10% government, and is charged on the insured salary — your monthly salary clamped to the 2024 range of NT$27,470–45,800. So the employee share is insured salary × 12% × 20%.
National Health Insurance is 5.17% in 2024, with the employed insured paying 30% (the employer 60%, government 10%). NHI is charged per dependent: each dependent (capped at 3) adds another self-share, so the employee share is the insured amount × 5.17% × 30% × (1 + dependents). The NHI insured amount is clamped to NT$27,470–219,500 — a far higher ceiling than labor insurance.
The labor pension (new scheme) is an employer contribution of 6% of the contribution wage into your personal account — shown here separately as a benefit, not a deduction. You may also voluntarily contribute 0–6%, which IS deducted from your pay and added to your account.
Scope: this is a simplified estimate for employed insureds. Real premiums snap your salary to the official insured-salary/amount schedule brackets rather than a simple clamp, and it excludes occupational-accident rates, part-time work, supplementary premiums, the self-employed and occupational-union insured, and income-tax withholding. Verify at bli.gov.tw and nhi.gov.tw.
10 Facts About Taiwan Labor & Health Insurance
This tool uses 2024 rates: labor insurance ordinary-event 11% plus employment insurance 1% = a 12% ordinary premium rate.
The labor-insurance ordinary premium is split: the insured (employee) pays 20%, the employer 70%, and the government 10%; this tool computes only the employee's 20%.
Labor insurance has an insured-salary schedule — in 2024 a floor of about NT$27,470 and a ceiling of NT$45,800; salaries above the ceiling are charged at the ceiling.
National Health Insurance (NHI) is 5.17% in 2024; an employed insured pays 30%, the employer 60% and the government 10%.
NHI is charged per dependent — each dependent adds another insured share, capped at 3 — so more dependents raise your own NHI deduction.
NHI also has an insured-amount schedule, with a 2024 floor of about NT$27,470 and a ceiling of NT$219,500, far above the labor-insurance ceiling.
The labor pension (new scheme) is an employer monthly contribution of 6% of the contribution wage into a personal account — an employer cost and employee benefit, not an employee deduction.
Under the new scheme an employee may voluntarily contribute 0–6%, deducted from monthly pay into the personal account, and fully deductible from that year's total individual income.
This tool's take-home pay = salary − the employee total (labor 20% + NHI self and dependents + voluntary pension); it excludes income-tax withholding and any other deductions.
This is a simplified estimate — actual premiums follow the official insured-salary/amount schedules and exclude occupational-accident rates, part-time work, the self-employed and occupational-union insured.
Frequently Asked Questions
- They are Taiwan's two main social insurances for employees: labor insurance (勞保, including employment insurance) provides old-age, injury/illness, maternity and unemployment benefits; National Health Insurance (健保) provides medical coverage. Both are charged on insured-salary/amount schedules, with premiums shared between employee and employer.
- Labor share = insured salary (monthly salary clamped to 27,470–45,800) × 12% × 20%; NHI share = insured amount (salary clamped to 27,470–219,500) × 5.17% × 30% × (1 + dependents, capped at 3); voluntary pension = salary × your voluntary rate (0–6%). Adding the three gives the employee monthly total.
- Actual premiums use the official insured-salary/amount schedule "brackets," snapping your salary to the nearest scheduled amount, whereas this tool simply clamps to the floor/ceiling. Occupational-accident rates, part-time work, supplementary premiums and income-tax withholding are also excluded — small differences are normal.
- No. The new-scheme 6% is contributed monthly by your employer into your personal pension account — an employer cost and your benefit, not a payroll deduction. Only your voluntary 0–6% is deducted from your salary.
- NHI is charged per dependent — each dependent adds another self-premium share, capped at 3. With 2 dependents, for example, your NHI deduction is about triple the single figure (self + 2 dependents).
- Not necessarily. The insured salary/amount uses a schedule that maps your actual pay to a scheduled bracket; above the ceiling it is charged at the ceiling, below the floor at the floor. This tool clamps to the floor/ceiling as a simplification and does not map bracket by bracket.
- No. This tool estimates the employee cost-sharing ratios (labor 20%, NHI self 30%). The self-employed, occupational-union members and those without a fixed employer have different ratios — check with bli.gov.tw / nhi.gov.tw separately.
- No. This tool estimates only the three social-insurance deductions (labor insurance, NHI and voluntary pension); it does not compute income-tax withholding on salary. Use a separate tool for full tax estimates.
- No. All calculations run entirely in your browser — your salary, number of dependents and voluntary rate are never transmitted to any server or stored anywhere. Closing this page clears all your inputs instantly.
Important — please read.
Simplified estimate only — not financial, tax, or legal advice, and not a substitute for the official premium computed by the Bureau of Labor Insurance or the NHI Administration. The insured salary/amount snaps to the official 投保薪資/金額分級表 brackets in reality; this tool only clamps to the floor/ceiling.
No affiliation. RECATOOLS is not affiliated with, endorsed by, or representing the Bureau of Labor Insurance (勞保局), the National Health Insurance Administration (健保署), the Ministry of Labor (勞動部), or any government agency. Names are used for identification only.
Rates as at 2024. Labor insurance 12% (employee 20%), NHI 5.17% (employee 30%), and labor pension 6% are 2024 figures, together with the 2024 insured-salary/amount brackets. These are revised periodically — verify at bli.gov.tw / nhi.gov.tw before acting.
Scope limits: employed insureds only. It excludes occupational-accident (職災) rates, part-time work, supplementary premiums, the self-employed and occupational-union insured, and income-tax withholding.
No warranty; limitation of liability. Provided "as is" without warranty of any kind. To the maximum extent permitted by law, RECATOOLS accepts no liability for any loss arising from use of this calculator.
Privacy. All calculations run locally in your browser; no salary or personal data is transmitted or stored.
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