조기노령연금 감액률 계산표(1~60개월)｜엑셀 CSV 포함(2026)
기준(계산용 가정): 조기 1개월당 0.5% 감액(= 1년 6%), 최대 60개월(30%)
엑셀용 CSV(붙여넣기)
아래를 그대로 복사해 엑셀 A1에 붙여넣으면 표가 만들어집니다. 정상연금(원)은 원하는 값으로 바꿔 사용하세요.
개월수(조기),년수(조기),감액률(=0.5%*개월),지급률(=1-감액률),정상연금(원)입력,조기수령연금(원)
0,0,0.000,1.000,1000000,=E2*D2
1,0.0833,0.005,0.995,1000000,=E3*D3
2,0.1667,0.010,0.990,1000000,=E4*D4
3,0.2500,0.015,0.985,1000000,=E5*D5
4,0.3333,0.020,0.980,1000000,=E6*D6
5,0.4167,0.025,0.975,1000000,=E7*D7
6,0.5000,0.030,0.970,1000000,=E8*D8
7,0.5833,0.035,0.965,1000000,=E9*D9
8,0.6667,0.040,0.960,1000000,=E10*D10
9,0.7500,0.045,0.955,1000000,=E11*D11
10,0.8333,0.050,0.950,1000000,=E12*D12
11,0.9167,0.055,0.945,1000000,=E13*D13
12,1.0000,0.060,0.940,1000000,=E14*D14
13,1.0833,0.065,0.935,1000000,=E15*D15
14,1.1667,0.070,0.930,1000000,=E16*D16
15,1.2500,0.075,0.925,1000000,=E17*D17
16,1.3333,0.080,0.920,1000000,=E18*D18
17,1.4167,0.085,0.915,1000000,=E19*D19
18,1.5000,0.090,0.910,1000000,=E20*D20
19,1.5833,0.095,0.905,1000000,=E21*D21
20,1.6667,0.100,0.900,1000000,=E22*D22
21,1.7500,0.105,0.895,1000000,=E23*D23
22,1.8333,0.110,0.890,1000000,=E24*D24
23,1.9167,0.115,0.885,1000000,=E25*D25
24,2.0000,0.120,0.880,1000000,=E26*D26
25,2.0833,0.125,0.875,1000000,=E27*D27
26,2.1667,0.130,0.870,1000000,=E28*D28
27,2.2500,0.135,0.865,1000000,=E29*D29
28,2.3333,0.140,0.860,1000000,=E30*D30
29,2.4167,0.145,0.855,1000000,=E31*D31
30,2.5000,0.150,0.850,1000000,=E32*D32
31,2.5833,0.155,0.845,1000000,=E33*D33
32,2.6667,0.160,0.840,1000000,=E34*D34
33,2.7500,0.165,0.835,1000000,=E35*D35
34,2.8333,0.170,0.830,1000000,=E36*D36
35,2.9167,0.175,0.825,1000000,=E37*D37
36,3.0000,0.180,0.820,1000000,=E38*D38
37,3.0833,0.185,0.815,1000000,=E39*D39
38,3.1667,0.190,0.810,1000000,=E40*D40
39,3.2500,0.195,0.805,1000000,=E41*D41
40,3.3333,0.200,0.800,1000000,=E42*D42
41,3.4167,0.205,0.795,1000000,=E43*D43
42,3.5000,0.210,0.790,1000000,=E44*D44
43,3.5833,0.215,0.785,1000000,=E45*D45
44,3.6667,0.220,0.780,1000000,=E46*D46
45,3.7500,0.225,0.775,1000000,=E47*D47
46,3.8333,0.230,0.770,1000000,=E48*D48
47,3.9167,0.235,0.765,1000000,=E49*D49
48,4.0000,0.240,0.760,1000000,=E50*D50
49,4.0833,0.245,0.755,1000000,=E51*D51
50,4.1667,0.250,0.750,1000000,=E52*D52
51,4.2500,0.255,0.745,1000000,=E53*D53
52,4.3333,0.260,0.740,1000000,=E54*D54
53,4.4167,0.265,0.735,1000000,=E55*D55
54,4.5000,0.270,0.730,1000000,=E56*D56
55,4.5833,0.275,0.725,1000000,=E57*D57
56,4.6667,0.280,0.720,1000000,=E58*D58
57,4.7500,0.285,0.715,1000000,=E59*D59
58,4.8333,0.290,0.710,1000000,=E60*D60
59,4.9167,0.295,0.705,1000000,=E61*D61
60,5.0000,0.300,0.700,1000000,=E62*D62
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