Seizure exemption rules changed from February 2026
- In principle, half of your pay is exempt from seizure
- But pay of ₩2.5M a month or less (previously ₩1.85M) is fully exempt
- If half your pay exceeds ₩3M: exempt amount = ₩3M + (half of pay − ₩3M) ÷ 2
| Monthly pay (after tax) | Exempt | Seizable |
|---|---|---|
| ₩2.5M or less | All | ₩0 |
| ₩2.5–5M | ₩2.5M | Pay − ₩2.5M |
| ₩5–6M | Half of pay | Half of pay |
| Over ₩6M | Formula applies | Pay − exempt amount |
Living expense account
From February 2026 you can open one living expense account per person. Deposits in it are protected from seizure up to ₩2.5M a month. An existing account that's already been seized doesn't automatically become one — you need to open a new one.
If your account has already been seized
If the seized money is essential for living, you can apply to the court for a change in the scope of exempt claims to have it released. The Korea Legal Aid Corporation can help for free.
This calculator gives estimates based on published laws and criteria and is not legal advice. Before acting, be sure to check with the official agencies below.
FAQ
Is the pay amount before or after tax?
After income tax and the four social insurances (net pay). Pay from multiple employers is added together.