How rehabilitation payments are calculated
Monthly payment = monthly income − recognized living costs
Courts usually recognize 60% of the median income for your household size as basic living costs, and may recognize more for high housing, medical or education costs.
| Household members | 2026 median income | Basic living costs (60%) |
|---|---|---|
| 1 person | ₩2,564,238 | ₩1,538,543 |
| 2 people | ₩4,199,292 | ₩2,519,575 |
| 3 people | ₩5,359,036 | ₩3,215,422 |
| 4 people | ₩6,494,738 | ₩3,896,843 |
| 5 people | ₩7,556,719 | ₩4,534,031 |
| 6 people | ₩8,555,952 | ₩5,133,571 |
Liquidation value guarantee
Total repayment can't be less than what your assets would be worth if sold now (liquidation value). With more assets, the monthly payment goes up.
Eligibility
- Unsecured debt up to ₩1B and secured debt up to ₩1.5B
- Continuous, recurring income (employees, the self-employed and part-timers all qualify)
- Repayment period of 3 years (36 months) in principle, up to 5 years
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
How much does individual rehabilitation cost?
Court costs such as stamp and service fees run to a few hundred thousand won; lawyer or legal scrivener fees are separate. With low income, you can get help from the Korea Legal Aid Corporation.
How much debt is reduced?
Total debt minus what you repay over the period is discharged (forgiven). The lower your income, the higher the share forgiven.