HomeNPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
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NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by dave Wed Mar 04, 2009 5:28 pm
Kabayan,
I got some helpful reference on how our NPS Lump-sum Refund or "kukmin" is computed... Thanks to NPS Q&A Service for Foreigners.
Please refer below as i tried to elaborate on how to calculate our NPS Lump-sum Refund. Hope this may helpful to you...
I got some helpful reference on how our NPS Lump-sum Refund or "kukmin" is computed... Thanks to NPS Q&A Service for Foreigners.
Please refer below as i tried to elaborate on how to calculate our NPS Lump-sum Refund. Hope this may helpful to you...
==================================================================
Basic Formula and Derivation:
1) Monthly Contribution
-> Worker: 4.5% of our monthly basic salary
-> Employer: 4.5% of our monthly basic salary
2) Scope: Mandatory to all Foreign workers regardless of the type of business industry of our respective employers.
3) Lump-sum Refund Formula:
-> Total Lump-sum Refund = (Total NPS Contribution + Interest) ㅡ NPS Income Tax Deduction ㅡ Inhabitant Tax
4) Fixed Interest Rate:
-> The interest rate that is applied to the NPS contribution is determined by taking an average from nation wide banking institutions established under the Banking Act, announced every January 1st of each year. In this case, the interest rate applied are different for each year.
Note: While your are paying contributions under the NPS scheme, the interest rate of time deposit with a maturity of three years shall be applied, whereas, after the insured period through the application date, the interest rate of time deposit with a maturity of one year shall be used.
For example, the interest rate of 3 years maturity time deposit in 2008 was 4.2% and that of 1 year maturity time deposit in the same time was 3.8% respectively.
4) NPS Income Tax Deduction Formula:
-> NPS Non-taxable Income = [(45%*(Total NPS Contribution + Interest)] + [300,000won * Accumulative Work Years]
-> NPS Taxable Income = (Total NPS contribution + Interest) ㅡ Non-taxable Income
-> Tax Rate = 9% if the NPS Taxable Income is no more than 10,000,000 won.
NPS Income Tax Deduction = (NPS Taxable Income/Accumulative Work Years * Tax Rate) * Accumulative Work Years
5) Inhabitant Tax Formula:
-> Inhabitant Tax = 10% of NPS Income Tax Deduction
==================================================================
For Example:
-> Juan dela Cruz is contributing 50,000won to NPS monthly. How much lump-sum refund can he expect to receive after 3-years of work?
Computation:
1) Total Contribution = [50,000 (Juan) + 50,000 (his employer)] * 36 months
-> Total Contribution = 3,600,000 won
2) Total Interest: Since the interest rate will vary every year, thus only the NPS knows what interest rate applies. So, as an example, we will use the 2008 fixed rate at 4.2%. This is just an example computation.
-> Total Interest = 3,600,000 * .042 = 151,200 won
3) NPS Income Tax Deduction:
-> NPS Non-taxable Income = [.45*(3,600,000 + 151,200)] + 300,000 * 3-years of work
-> NPS Non-taxable Income = 2,588,040 won
-> NPS Taxable Income = (3,600,000 + 151,200) ㅡ 2,588,040
-> NPS Taxable Income = 1,163,160 won
-> NPS Income Tax Deduction = [(1,163,160 / 3-years) * .09] * 3-years
-> NPS Income Tax Deduction = 104,684.4 won
4) Inhabitant Tax Deduction:
-> Inhabitant Tax = 10% * 104,684.4
-> Inhabitant Tax = 10,468.44 won
5) Expected Total Lump-sum Refund to be received after 3-years sojourn:
-> Total Lump-sum Refund = (3,600,000 won + 151,200 won) ㅡ 104,684.4 won ㅡ 10,468.44 won
-> Total Lump-sum Refund = 3,751,200 won ㅡ 115,152.84 won
So, the Total Lump-sum Refund = 3,636,047.16 won
-> Worker: 4.5% of our monthly basic salary
-> Employer: 4.5% of our monthly basic salary
2) Scope: Mandatory to all Foreign workers regardless of the type of business industry of our respective employers.
3) Lump-sum Refund Formula:
-> Total Lump-sum Refund = (Total NPS Contribution + Interest) ㅡ NPS Income Tax Deduction ㅡ Inhabitant Tax
4) Fixed Interest Rate:
-> The interest rate that is applied to the NPS contribution is determined by taking an average from nation wide banking institutions established under the Banking Act, announced every January 1st of each year. In this case, the interest rate applied are different for each year.
Note: While your are paying contributions under the NPS scheme, the interest rate of time deposit with a maturity of three years shall be applied, whereas, after the insured period through the application date, the interest rate of time deposit with a maturity of one year shall be used.
For example, the interest rate of 3 years maturity time deposit in 2008 was 4.2% and that of 1 year maturity time deposit in the same time was 3.8% respectively.
4) NPS Income Tax Deduction Formula:
-> NPS Non-taxable Income = [(45%*(Total NPS Contribution + Interest)] + [300,000won * Accumulative Work Years]
-> NPS Taxable Income = (Total NPS contribution + Interest) ㅡ Non-taxable Income
-> Tax Rate = 9% if the NPS Taxable Income is no more than 10,000,000 won.
NPS Income Tax Deduction = (NPS Taxable Income/Accumulative Work Years * Tax Rate) * Accumulative Work Years
5) Inhabitant Tax Formula:
-> Inhabitant Tax = 10% of NPS Income Tax Deduction
==================================================================
For Example:
-> Juan dela Cruz is contributing 50,000won to NPS monthly. How much lump-sum refund can he expect to receive after 3-years of work?
Computation:
1) Total Contribution = [50,000 (Juan) + 50,000 (his employer)] * 36 months
-> Total Contribution = 3,600,000 won
2) Total Interest: Since the interest rate will vary every year, thus only the NPS knows what interest rate applies. So, as an example, we will use the 2008 fixed rate at 4.2%. This is just an example computation.
-> Total Interest = 3,600,000 * .042 = 151,200 won
3) NPS Income Tax Deduction:
-> NPS Non-taxable Income = [.45*(3,600,000 + 151,200)] + 300,000 * 3-years of work
-> NPS Non-taxable Income = 2,588,040 won
-> NPS Taxable Income = (3,600,000 + 151,200) ㅡ 2,588,040
-> NPS Taxable Income = 1,163,160 won
-> NPS Income Tax Deduction = [(1,163,160 / 3-years) * .09] * 3-years
-> NPS Income Tax Deduction = 104,684.4 won
4) Inhabitant Tax Deduction:
-> Inhabitant Tax = 10% * 104,684.4
-> Inhabitant Tax = 10,468.44 won
5) Expected Total Lump-sum Refund to be received after 3-years sojourn:
-> Total Lump-sum Refund = (3,600,000 won + 151,200 won) ㅡ 104,684.4 won ㅡ 10,468.44 won
-> Total Lump-sum Refund = 3,751,200 won ㅡ 115,152.84 won
So, the Total Lump-sum Refund = 3,636,047.16 won
dave- FEWA - Administrative Adviser
- Number of posts : 1567
Location : Incheon, South Korea
Cellphone no. : 010-9294-4365
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Registration date : 11/02/2008
Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by mhel Sun May 10, 2009 11:55 pm
hello po sir tanong ko lng po sobra po isang taon kami d2 bago kami kinaltasan nang national pension e2 po by legal? o baka po dahil agency ako dati? at wla din po kaming kaltas na samsung. mag end contract na po kc ako ds june gus2 ko lng po malaman kng ano lng ang makukuha ko. dahil maliit po lng ang nakukuha nmin d2 pag end contract d gaya sa iba at d2 sa mga bigay nyong example..maraming salamat po sana po matugonan ninyo ang aking mga tanong. naghihinayang po ako bakit nw ko lng alam ang website na 2 ..thnks po nang marami...
nagtatanong,
mhel
nagtatanong,
mhel
mhel- Mamamayan
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by dave Mon May 11, 2009 10:14 am
hello po sir tanong ko lng po sobra po isang taon kami d2 bago kami kinaltasan nang national pension e2 po by legal? o baka po dahil agency ako dati? at wla din po kaming kaltas na samsung. mag end contract na po kc ako ds june gus2 ko lng po malaman kng ano lng ang makukuha ko. dahil maliit po lng ang nakukuha nmin d2 pag end contract d gaya sa iba at d2 sa mga bigay nyong example..maraming salamat po sana po matugonan ninyo ang aking mga tanong. naghihinayang po ako bakit nw ko lng alam ang website na 2 ..thnks po nang marami...
nagtatanong,
mhel
kabayan,
yung sa "kukmin", ang makukuha po ninyo ay yung amount na na-contribute ninyo including your employer's contribution... 4.5% of your average basic monthly salary (worker) plus 4.5% of your average basic monthly salary (employer)... kung wala kayong contribution during your first year, wala din kayong makukuhang refund for that year...
yung sinabi mong end of contract... clarification lang, end of contract lang ba yan or end of sojourn period na? ang end of contract kasi yun ang every year Labor Contract ninyo while ang end of sojourn yun ang if matatapos na ang 3-years allowable stay mo dito sa Korea then if i-rerehire ka ng current employer mo you need to go back to Phil. for one month vacation... in that case, you can process your "kukmin", "toejigeum" and "return cost insurance or yung 400K won"...
about naman sa "toejigeum", if your company has 5 or more regular workers, dapat meron din kayo makukuha after your sojourn period or if ikaw ay aalis ng company after working 1-year or more... please click HERE for "toejigeum" details...
if you have further questions, you may call me at 010-9294-4365... thanks.
yung sa "kukmin", ang makukuha po ninyo ay yung amount na na-contribute ninyo including your employer's contribution... 4.5% of your average basic monthly salary (worker) plus 4.5% of your average basic monthly salary (employer)... kung wala kayong contribution during your first year, wala din kayong makukuhang refund for that year...
yung sinabi mong end of contract... clarification lang, end of contract lang ba yan or end of sojourn period na? ang end of contract kasi yun ang every year Labor Contract ninyo while ang end of sojourn yun ang if matatapos na ang 3-years allowable stay mo dito sa Korea then if i-rerehire ka ng current employer mo you need to go back to Phil. for one month vacation... in that case, you can process your "kukmin", "toejigeum" and "return cost insurance or yung 400K won"...
about naman sa "toejigeum", if your company has 5 or more regular workers, dapat meron din kayo makukuha after your sojourn period or if ikaw ay aalis ng company after working 1-year or more... please click HERE for "toejigeum" details...
if you have further questions, you may call me at 010-9294-4365... thanks.
dave- FEWA - Administrative Adviser
- Number of posts : 1567
Location : Incheon, South Korea
Cellphone no. : 010-9294-4365
Reputation : 40
Points : 2299
Registration date : 11/02/2008
Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by mhel Wed May 13, 2009 12:31 am
maraming salamat po sa inyo sir end of sojourn ko na po naka vist na kami sa labor din dun namin nalaman yang return cost insurance kc ung ibang kasamahan ko d nabigay sa kanila kaya kini claim nila ngayon. call u nlng sir f wla parin pag bagbago d2 sa companya nmin ..tnkz
mhel- Mamamayan
- Number of posts : 6
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Registration date : 10/05/2009
Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by an2ny0626 Wed Dec 02, 2009 10:52 pm
thanks po for the info...
an2ny0626- Mamamayan
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Age : 43
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Registration date : 25/11/2009
Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by randyboy32 Sun Dec 13, 2009 9:26 pm
gud evening po sir tnx po d2 s site nyo in this way mdami n po akong mga bagay n pwedeng maitanong kc medyo tuso po ang amo namin pagdating s pera.ask ko lang po kung pano ko po b mlalaman kung nahuhulugan ng tama ng sajang namin ang aking kukmin at pano rin po ang gagawin namin kc nalaman po namin n di po pala naihulog nung amo namin yong 400 n kinaltas s amin nung pagkadating namin d2 kc hinihingan po kmi ng penalty nung labor kc di raw po kmi nkpagbigay nung 400 pero naibigay n po namin yon s amo namin,ska po sir mtatapos n po ang 3taon kong kontrata ngayong april under d labor law daw po ngayon eh deretso 5 years n,may pagkakataon p po kya kaming mkapagbakasyon kasi di po kmi binigyan ng amo namin ng bakasyon simula nung pagdating namin,makukuha ko po ba yong kukmin at tejikum ko after 3 years?maraming salamat po sir..
randyboy32- Mamamayan
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by suzuki125 Mon Dec 14, 2009 2:51 am
ask ko lang po kung pano ko po b mlalaman kung nahuhulugan ng tama ng sajang namin ang aking kukmin?
punta ka sa pinakamalapit na NPS na nakakasakop sa inyong work place pwede ka magtanung doon regarding sa NPS contribution nyo. at dapat may natatangap kayong sulat galing sa NPS kung nahuhulugan ang KUKMIN nyo...
at pano rin po ang gagawin namin kc nalaman po namin n di po pala naihulog nung amo namin yong 400 n kinaltas s amin nung pagkadating namin d2 kc hinihingan po kmi ng penalty nung labor kc di raw po kmi nkpagbigay nung 400 pero naibigay n po namin yon s amo namin,
may katibayan po ba kayo na binigay nyo sa AMO nyo ang 400k won na pambayad sa RETURN COST INSURANCE nyo, yon ang pakita nyo sa LABOR. KASI yong ibang company di nila alam ang bagay na ito gaya ng factory ko noong una. so ako na lang mismo naghulog sa BANK ACCOUNT ko na binigay sa TRAINING CENTER...
ska po sir mtatapos n po ang 3taon kong kontrata ngayong april under d labor law daw po ngayon eh deretso 5 years n,may pagkakataon p po kya kaming mkapagbakasyon kasi di po kmi binigyan ng amo namin ng bakasyon simula nung pagdating namin,
WALA po derecho na po kayo,depende sa company nyo kung bibigyan kayo ng baksayon.
makukuha ko po ba yong kukmin at tejikum ko after 3 years?
HINDI po pagdating na po ng 5 year's saka mo makukuha lahat ng BENEFITS mo PAG-PAUWI ka na ng PINAS...
punta ka sa pinakamalapit na NPS na nakakasakop sa inyong work place pwede ka magtanung doon regarding sa NPS contribution nyo. at dapat may natatangap kayong sulat galing sa NPS kung nahuhulugan ang KUKMIN nyo...
at pano rin po ang gagawin namin kc nalaman po namin n di po pala naihulog nung amo namin yong 400 n kinaltas s amin nung pagkadating namin d2 kc hinihingan po kmi ng penalty nung labor kc di raw po kmi nkpagbigay nung 400 pero naibigay n po namin yon s amo namin,
may katibayan po ba kayo na binigay nyo sa AMO nyo ang 400k won na pambayad sa RETURN COST INSURANCE nyo, yon ang pakita nyo sa LABOR. KASI yong ibang company di nila alam ang bagay na ito gaya ng factory ko noong una. so ako na lang mismo naghulog sa BANK ACCOUNT ko na binigay sa TRAINING CENTER...
ska po sir mtatapos n po ang 3taon kong kontrata ngayong april under d labor law daw po ngayon eh deretso 5 years n,may pagkakataon p po kya kaming mkapagbakasyon kasi di po kmi binigyan ng amo namin ng bakasyon simula nung pagdating namin,
WALA po derecho na po kayo,depende sa company nyo kung bibigyan kayo ng baksayon.
makukuha ko po ba yong kukmin at tejikum ko after 3 years?
HINDI po pagdating na po ng 5 year's saka mo makukuha lahat ng BENEFITS mo PAG-PAUWI ka na ng PINAS...
suzuki125- Kagalang-galang na Mamamayan
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by randyboy32 Mon Dec 14, 2009 6:46 pm
maraming salamat po sir s mabilis n impormasyon n binigay nyo s mga tanong ko,more power po s inyo,godbless...
randyboy32- Mamamayan
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by nhelzone11 Thu Jan 21, 2010 5:56 pm
ask ko lang po kung me magagawa pang paraan tungkol dun sa 2 months na di naihulog ng dati kong boss sa NPS nagsara na yung company nmin na yun. yung kasama ko sa company na pinoy kumpleto ang hulog ako lang ang kulang ng 2 months nalaman ko yun ng nag punta ako one time sa NPS Ansan Branch sabi lang sakin dun pag naghulog ang boss ko mapupunta daw yun sa account ko pero pano mangyayari yun eh nung nag try akong mag call sa boss ko di na nya ako kilala tapos di daw nya alam yun
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by lumad Fri Jan 22, 2010 8:40 am
nhelzone11 wrote:ask ko lang po kung me magagawa pang paraan tungkol dun sa 2 months na di naihulog ng dati kong boss sa NPS nagsara na yung company nmin na yun. yung kasama ko sa company na pinoy kumpleto ang hulog ako lang ang kulang ng 2 months nalaman ko yun ng nag punta ako one time sa NPS Ansan Branch sabi lang sakin dun pag naghulog ang boss ko mapupunta daw yun sa account ko pero pano mangyayari yun eh nung nag try akong mag call sa boss ko di na nya ako kilala tapos di daw nya alam yun
Kabayan Nhel,
Kung nagsara na company nyo at nag declare ng BANKRUPTCY mahirap na dahil hindi na ntin mapilit ang employer na magbayad, mahabang laban..kabayan.
Try mo sa pinakamalapit na NPS office sa dati mong company na matawagan employer mo.
salamat po!
lumad- VIP
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by vazh08 Mon Jan 25, 2010 9:06 am
3 years npo kmi s june..2too po b n after 5 years n nmn mku2ha ang kukmin at tejikum ?ano lng po mu2ha nmn n benefits s pguwi nmn?
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by marlon milanez Tue Jan 26, 2010 5:50 pm
gud pm sir. ask lng po kng totoo ba na kukunin na ng sss ang kukmin kontribution nmin? kng sakali nman po na totoo yun at ipapatupad na, ibig sbhin po ba na wla na po mangyayari sa pera na pinaghirapan nmin dito sa korea? slamat at more power god bless!!!!!!!
marlon milanez- Mamamayan
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by kurapika Tue Jan 26, 2010 6:56 pm
dpa nmn po approved to, and besides pag ganun nga po ang nangyari, makukuha parin natin kaso nga lang pag abot na ntin ung age 65, im not sure tho,marlon milanez wrote:gud pm sir. ask lng po kng totoo ba na kukunin na ng sss ang kukmin kontribution nmin? kng sakali nman po na totoo yun at ipapatupad na, ibig sbhin po ba na wla na po mangyayari sa pera na pinaghirapan nmin dito sa korea? slamat at more power god bless!!!!!!!
kurapika- Baranggay Councilor
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by marlon milanez Tue Jan 26, 2010 7:12 pm
sir slamat po sa reply... is there any other rumor kng kailan po ito ma approve ng gov't of korea???? sir 1 more clarification, d po ba ang kukmin ay kumpolsary contribution?at kng ito ay nakaligtaan ng employer na bayaran sa nps opis puede pa rin po natin ito habulin.
marlon milanez- Mamamayan
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Dakal pung Salamat..
by caspianmanthis Thu Feb 04, 2010 9:02 pm
Sa inyong pong malasakit sa mga kapwa nating.. EPS dito sa korea at sa detalyadong pag discuss ibinabatid ko ang pasasalamat.. na ito pagpalain nawa kayo ng Diyos.
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Re: NPS Lump-sum Refund "KUKMIN" Calculation (With Sample)
by jordan0714 Tue Aug 31, 2010 7:55 am
Sir ask lng po kung san po magbabase ang pagkaltas sa amin ng kukmin n 4.5% dahil ang basic po namin is 854,880 plus overtime 431,550 plus night shift diff 152,070 kaya ang gross income po namin is 1,438,500 tapos me bawas na kukmin 37,210 hospital 34,020 at 9,900 kaya ang net po namin is 1,357,370. Ask lng po bkit po 37,210 lng ang binawas n kukmin san po b dapat binabase at mgkano po b dapat salamat po.
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