기초연금 수급자격 2026｜선정기준액 247만 원·소득인정액 계산법 총정리

윈윈에디터 — Sun, 30 Aug 2026 09:34:45 +0000

.wpseo-basicpension-page, .wpseo-basicpension-page * { box-sizing: border-box; } .wpseo-basicpension-page { --wpseo-primary: #3157d5; --wpseo-primary-dark: #223fa5; --wpseo-primary-soft: #eef2ff; --wpseo-secondary: #10a37f; --wpseo-danger: #dc3545; --wpseo-warning-color: #a85c00; --wpseo-warning-bg: #fff7e8; --wpseo-success: #087f5b; --wpseo-success-bg: #eafaf4; --wpseo-text: #172033; --wpseo-muted: #667085; --wpseo-border: #e4e9f2; --wpseo-background: #f5f7fb; --wpseo-white: #ffffff; --wpseo-shadow: 0 10px 30px rgba(22, 35, 72, 0.08); max-width: 920px; margin: 0 auto; color: var(--wpseo-text); font-family: Pretendard, "Noto Sans KR", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.7; word-break: keep-all; } .wpseo-basicpension-page button { font: inherit; } .wpseo-basicpension-page a { color: inherit; } .wpseo-basicpension-page h1, .wpseo-basicpension-page h2, .wpseo-basicpension-page h3, .wpseo-basicpension-page p { margin-top: 0; } .wpseo-basicpension-page h2 { margin-bottom: 18px; font-size: clamp(25px, 4vw, 34px); line-height: 1.3; letter-spacing: -0.035em; } .wpseo-basicpension-page h3 { margin-bottom: 10px; font-size: 20px; line-height: 1.4; } .wpseo-hero { position: relative; overflow: hidden; padding: 44px 34px; border-radius: 32px; background: radial-gradient(circle at 90% 10%, rgba(255,255,255,0.24), transparent 30%), linear-gradient(135deg, #1e3b9b 0%, #3157d5 52%, #4f74e8 100%); color: #ffffff; box-shadow: 0 18px 45px rgba(49, 87, 213, 0.24); } .wpseo-hero::after { content: "🗓"; position: absolute; right: 24px; bottom: -40px; font-size: 150px; line-height: 1; opacity: 0.1; pointer-events: none; } .wpseo-hero-badge { display: inline-flex; align-items: center; min-height: 36px; margin-bottom: 15px; padding: 7px 14px; border: 1px solid rgba(255,255,255,0.32); border-radius: 999px; background: rgba(255,255,255,0.13); font-size: 14px; font-weight: 800; } .wpseo-hero h1 { color: #ffffff; position: relative; z-index: 1; max-width: 760px; margin-bottom: 16px; font-size: clamp(32px, 6vw, 52px); line-height: 1.16; letter-spacing: -0.05em; } .wpseo-hero-description { position: relative; z-index: 1; max-width: 700px; margin-bottom: 24px; color: rgba(255,255,255,0.9); font-size: 18px; } .wpseo-hero-points { position: relative; z-index: 1; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; } .wpseo-hero-point { padding: 16px; border: 1px solid rgba(255,255,255,0.22); border-radius: 18px; background: rgba(255,255,255,0.12); backdrop-filter: blur(5px); } .wpseo-hero-point strong { display: block; margin-bottom: 2px; font-size: 21px; } .wpseo-hero-point span { color: rgba(255,255,255,0.82); font-size: 13px; } .wpseo-answer { margin: 30px 0; padding: 28px; border: 1px solid #dce4ff; border-radius: 24px; background: #f7f9ff; box-shadow: var(--wpseo-shadow); } .wpseo-answer-label { display: inline-flex; margin-bottom: 12px; padding: 6px 11px; border-radius: 999px; background: #dfe7ff; color: #284bb9; font-size: 13px; font-weight: 900; } .wpseo-answer p { margin-bottom: 10px; } .wpseo-answer p:last-child { margin-bottom: 0; } .wpseo-answer strong { color: #213f9c; } .wpseo-action-button { display: inline-flex; align-items: center; justify-content: center; width: 100%; min-height: 64px; padding: 16px 24px; border: 0; border-radius: 24px; background: linear-gradient(135deg, var(--wpseo-primary), #456be3); color: #ffffff !important; box-shadow: 0 12px 25px rgba(49, 87, 213, 0.25); font-size: 18px; font-weight: 900; text-align: center; text-decoration: none; cursor: pointer; transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease; } .wpseo-action-button:hover { background: linear-gradient(135deg, var(--wpseo-primary-dark), var(--wpseo-primary)); box-shadow: 0 15px 30px rgba(49, 87, 213, 0.32); transform: translateY(-2px); } .wpseo-action-button:active { transform: scale(0.985); } .wpseo-action-button.wpseo-secondary-button { background: linear-gradient(135deg, #087f5b, #10a37f); box-shadow: 0 12px 25px rgba(16, 163, 127, 0.22); } .wpseo-jump-button { margin-bottom: 30px; } .wpseo-diagnosis-card, .wpseo-content-card, .wpseo-calculator-card, .wpseo-checklist, .wpseo-faq-section, .wpseo-source-section, .wpseo-related-content, .wpseo-official { margin: 32px 0; padding: 30px; border: 1px solid var(--wpseo-border); border-radius: 28px; background: var(--wpseo-white); box-shadow: var(--wpseo-shadow); } .wpseo-diagnosis-card { scroll-margin-top: 24px; border-color: #c9d6f7; background: radial-gradient(circle at top right, rgba(73, 110, 230, 0.08), transparent 36%), #ffffff; } .wpseo-calculator-card { scroll-margin-top: 24px; border-color: #cfe1d9; background: radial-gradient(circle at top right, rgba(16, 163, 127, 0.07), transparent 36%), #ffffff; } .wpseo-section-eyebrow { margin-bottom: 6px; color: var(--wpseo-primary); font-size: 14px; font-weight: 900; letter-spacing: 0.04em; } .wpseo-section-description { margin-bottom: 24px; color: var(--wpseo-muted); } .wpseo-diagnosis-title { margin-bottom: 6px; font-size: clamp(22px, 4vw, 28px); font-weight: 900; letter-spacing: -0.03em; } .wpseo-diagnosis-desc { margin-bottom: 22px; color: var(--wpseo-muted); } .wpseo-progress-track { height: 12px; margin-bottom: 8px; overflow: hidden; border-radius: 999px; background: #e9edf5; } .wpseo-progress-bar { width: 0; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--wpseo-primary), #6c8df0); transition: width 0.35s ease; } .wpseo-progress-text { margin-bottom: 20px; color: var(--wpseo-muted); font-size: 13px; font-weight: 800; text-align: right; } .wpseo-question-step { display: none; } .wpseo-question-step.wpseo-active { display: block; animation: wpseoFadeSlide 0.35s ease; } .wpseo-question { margin-bottom: 14px; font-size: 18px; font-weight: 900; } .wpseo-option { display: block; width: 100%; min-height: 60px; margin-bottom: 10px; padding: 15px 18px; border: 2px solid #dfe4ed; border-radius: 18px; background: #fbfcff; color: var(--wpseo-text); font-size: 16px; font-weight: 700; text-align: left; cursor: pointer; transition: border-color 0.18s ease, background 0.18s ease, transform 0.18s ease; } .wpseo-option:hover { border-color: #9eb2ed; background: #eff3ff; transform: translateY(-1px); } .wpseo-option.wpseo-selected { border-color: var(--wpseo-primary); background: var(--wpseo-primary-soft); } .wpseo-result-card { display: none; margin-top: 26px; padding: 26px; border: 1px solid #cad7ff; border-radius: 26px; background: radial-gradient(circle at top right, rgba(73, 110, 230, 0.13), transparent 32%), linear-gradient(145deg, #ffffff 0%, #f1f5ff 100%); box-shadow: 0 15px 35px rgba(43, 72, 155, 0.12); } .wpseo-result-card.wpseo-show { display: block; animation: wpseoFadeSlide 0.45s ease both; } .wpseo-result-head { display: flex; align-items: flex-start; gap: 15px; margin-bottom: 18px; } .wpseo-result-icon { display: flex; flex: 0 0 54px; align-items: center; justify-content: center; width: 54px; height: 54px; border-radius: 18px; background: var(--wpseo-primary); color: #ffffff; font-size: 25px; box-shadow: 0 8px 18px rgba(49, 87, 213, 0.22); } .wpseo-result-card.wpseo-result-success .wpseo-result-icon { background: var(--wpseo-success); box-shadow: 0 8px 18px rgba(8, 127, 91, 0.22); } .wpseo-result-card.wpseo-result-caution .wpseo-result-icon { background: var(--wpseo-warning-color); box-shadow: 0 8px 18px rgba(168, 92, 0, 0.22); } .wpseo-result-kicker { margin-bottom: 3px; color: var(--wpseo-primary); font-size: 13px; font-weight: 900; } .wpseo-result-title { margin-bottom: 5px; font-size: 24px; line-height: 1.3; letter-spacing: -0.035em; } .wpseo-result-body { margin-bottom: 0; color: var(--wpseo-muted); } .wpseo-result-checks { display: grid; gap: 9px; margin: 18px 0; } .wpseo-result-check { padding: 13px 16px; border: 1px solid #e0e7f7; border-radius: 14px; background: rgba(255,255,255,0.85); font-size: 14px; font-weight: 700; } .wpseo-result-notice { margin: 16px 0 0; padding: 15px; border-radius: 16px; background: #fff8e8; color: #77520b; font-size: 13px; } .wpseo-key-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; margin-top: 20px; } .wpseo-key-card { padding: 20px; border: 1px solid var(--wpseo-border); border-radius: 20px; background: #fbfcff; } .wpseo-key-number { display: inline-flex; align-items: center; justify-content: center; min-width: 44px; height: 36px; margin-bottom: 12px; padding: 0 11px; border-radius: 12px; background: var(--wpseo-primary-soft); color: var(--wpseo-primary); font-weight: 900; } .wpseo-key-card p { margin-bottom: 0; color: var(--wpseo-muted); font-size: 14px; } .wpseo-table-wrap { margin: 20px 0; overflow-x: auto; border: 1px solid #dfe5f2; border-radius: 18px; background: #ffffff; } .wpseo-table { width: 100%; min-width: 560px; border-collapse: collapse; font-size: 14px; } .wpseo-table th, .wpseo-table td { padding: 14px 16px; border-bottom: 1px solid #edf0f6; text-align: left; } .wpseo-table th { background: #f7f9fd; color: #526079; font-size: 13px; font-weight: 800; } .wpseo-table tr:last-child td { border-bottom: 0; } .wpseo-steps { display: grid; gap: 13px; margin-top: 20px; } .wpseo-step { display: grid; grid-template-columns: 50px minmax(0, 1fr); gap: 15px; align-items: start; padding: 19px; border: 1px solid var(--wpseo-border); border-radius: 20px; background: #fbfcff; } .wpseo-step-number { display: flex; align-items: center; justify-content: center; width: 50px; height: 50px; border-radius: 17px; background: var(--wpseo-primary); color: #ffffff; font-weight: 900; } .wpseo-step p { margin-bottom: 0; color: var(--wpseo-muted); font-size: 14px; } .wpseo-warning { margin: 28px 0; padding: 22px; border: 1px solid #ffd89c; border-radius: 22px; background: var(--wpseo-warning-bg); color: #754b00; } .wpseo-warning-title { display: flex; align-items: center; gap: 9px; margin-bottom: 7px; font-size: 18px; font-weight: 900; } .wpseo-warning p:last-child { margin-bottom: 0; } .wpseo-checklist-progress-head { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 10px; color: var(--wpseo-muted); font-size: 14px; font-weight: 800; } .wpseo-checklist-items { display: grid; gap: 11px; } .wpseo-check-item { display: grid; grid-template-columns: 45px minmax(0, 1fr); gap: 13px; width: 100%; min-height: 72px; padding: 14px; border: 2px solid #e3e8f1; border-radius: 19px; background: #ffffff; color: var(--wpseo-text); text-align: left; cursor: pointer; transition: border-color 0.18s ease, background 0.18s ease, transform 0.18s ease; } .wpseo-check-item:hover { border-color: #b8c7ef; transform: translateY(-1px); } .wpseo-check-icon { display: flex; align-items: center; justify-content: center; width: 45px; height: 45px; border-radius: 15px; background: #eef1f6; color: #7a8597; font-size: 18px; font-weight: 900; transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease; } .wpseo-check-item.wpseo-completed { border-color: #81d5b9; background: #f2fcf8; } .wpseo-check-item.wpseo-completed .wpseo-check-icon { background: var(--wpseo-secondary); color: #ffffff; transform: scale(1.06); } .wpseo-check-item-title { display: block; font-weight: 900; } .wpseo-check-item-description { display: block; margin-top: 3px; color: var(--wpseo-muted); font-size: 13px; line-height: 1.5; } .wpseo-checklist-result { display: none; margin-top: 18px; padding: 17px; border-radius: 18px; background: var(--wpseo-success-bg); color: var(--wpseo-success); font-weight: 850; animation: wpseoFadeSlide 0.35s ease; } .wpseo-checklist-result.wpseo-show { display: block; } .wpseo-official { border-color: #cfe1d9; background: linear-gradient(145deg, #ffffff, #f2fbf7); } .wpseo-official-grid { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 20px; align-items: center; } .wpseo-official p { margin-bottom: 0; color: var(--wpseo-muted); } .wpseo-official .wpseo-action-button { width: auto; min-width: 240px; } .wpseo-faq-list { display: grid; gap: 12px; } .wpseo-faq-card { overflow: hidden; border: 1px solid var(--wpseo-border); border-radius: 19px; background: #ffffff; transition: border-color 0.2s ease, box-shadow 0.2s ease; } .wpseo-faq-card.wpseo-active { border-color: #aabcef; box-shadow: 0 9px 22px rgba(40, 72, 160, 0.08); } .wpseo-faq-question { display: grid; grid-template-columns: minmax(0, 1fr) 32px; gap: 12px; align-items: center; width: 100%; min-height: 66px; padding: 17px 19px; border: 0; background: #ffffff; color: var(--wpseo-text); font-weight: 900; text-align: left; cursor: pointer; } .wpseo-faq-arrow { display: flex; align-items: center; justify-content: center; width: 32px; height: 32px; border-radius: 11px; background: #f1f4fa; transition: transform 0.25s ease, background 0.25s ease; } .wpseo-faq-card.wpseo-active .wpseo-faq-arrow { background: var(--wpseo-primary-soft); transform: rotate(180deg); } .wpseo-faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; } .wpseo-faq-answer-inner { padding: 0 19px 19px; color: var(--wpseo-muted); font-size: 15px; } .wpseo-faq-answer-inner p:last-child { margin-bottom: 0; } .wpseo-related-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 15px; } .wpseo-related-card { display: flex; flex-direction: column; padding: 20px; border: 1px solid var(--wpseo-border); border-radius: 21px; background: #ffffff; transition: transform 0.18s ease, box-shadow 0.18s ease; } .wpseo-related-card:hover { box-shadow: 0 12px 26px rgba(22, 35, 72, 0.09); transform: translateY(-3px); } .wpseo-related-icon { display: flex; align-items: center; justify-content: center; width: 46px; height: 46px; margin-bottom: 14px; border-radius: 15px; background: var(--wpseo-primary-soft); font-size: 21px; } .wpseo-related-card p { flex: 1; margin-bottom: 15px; color: var(--wpseo-muted); font-size: 13px; } .wpseo-related-link { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; border-radius: 16px; background: #eef2ff; color: #2949ad !important; font-size: 14px; font-weight: 900; text-decoration: none; } .wpseo-source-list { display: grid; gap: 11px; } .wpseo-source-card { display: block; padding: 16px; border: 1px solid var(--wpseo-border); border-radius: 17px; background: #fbfcff; text-decoration: none; transition: background 0.18s ease, border-color 0.18s ease; } .wpseo-source-card:hover { border-color: #afbfeb; background: #f3f6ff; } .wpseo-source-title { display: block; font-weight: 900; } .wpseo-source-description { display: block; margin-top: 3px; color: var(--wpseo-muted); font-size: 13px; } .wpseo-update-note { margin-top: 16px; color: var(--wpseo-muted); font-size: 12px; } .wpseo-toc { margin: 30px 0; border: 1px solid var(--wpseo-border); border-radius: 24px; background: var(--wpseo-white); box-shadow: var(--wpseo-shadow); overflow: hidden; } .wpseo-toc summary { cursor: pointer; list-style: none; padding: 17px 22px; font-weight: 900; color: var(--wpseo-primary); display: flex; justify-content: space-between; align-items: center; font-size: 15px; } .wpseo-toc summary::-webkit-details-marker { display: none; } .wpseo-toc-arrow { transition: transform 0.2s ease; } .wpseo-toc[open] .wpseo-toc-arrow { transform: rotate(180deg); } .wpseo-toc-list { margin: 0; padding: 4px 22px 18px 40px; } .wpseo-toc-list li { margin: 7px 0; } .wpseo-toc-list a { color: var(--wpseo-text); font-size: 15px; text-decoration: none; } .wpseo-toc-list a:hover { color: var(--wpseo-primary); } .wpseo-tip { display: flex; gap: 12px; margin: 28px 0; padding: 20px 22px; border-radius: 20px; background: var(--wpseo-success-bg); color: #075f49; border: 1px solid #bfe8d8; } .wpseo-tip-icon { flex: 0 0 auto; font-size: 21px; } .wpseo-tip p { margin-bottom: 0; } .wpseo-calc-field select { width: 100%; min-height: 56px; padding: 13px 15px; border: 2px solid #dfe4ed; border-radius: 16px; background: #fbfcff; color: var(--wpseo-text); font-size: 16px; font-weight: 700; transition: border-color 0.18s ease, background 0.18s ease; } .wpseo-calc-field select:focus { border-color: var(--wpseo-primary); background: #ffffff; outline: none; } /* 계산기 */ .wpseo-calc-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-top: 18px; } .wpseo-calc-field { display: block; } .wpseo-calc-field span { display: block; margin-bottom: 7px; font-size: 13px; font-weight: 900; color: var(--wpseo-muted); } .wpseo-calc-field input { width: 100%; min-height: 56px; padding: 13px 15px; border: 2px solid #dfe4ed; border-radius: 16px; background: #fbfcff; color: var(--wpseo-text); font-size: 16px; font-weight: 700; transition: border-color 0.18s ease, background 0.18s ease; } .wpseo-calc-field input:focus { border-color: var(--wpseo-primary); background: #ffffff; outline: none; } .wpseo-calc-submit { margin-top: 18px; } .wpseo-calc-result { display: none; margin-top: 22px; padding: 24px; border-radius: 22px; border: 1px solid #bfe8d8; background: linear-gradient(145deg, #ffffff, #f0fbf6); } .wpseo-calc-result.wpseo-show { display: block; animation: wpseoFadeSlide 0.4s ease both; } .wpseo-calc-result-label { margin-bottom: 4px; color: var(--wpseo-success); font-size: 13px; font-weight: 900; } .wpseo-calc-result-value { display: block; margin-bottom: 8px; font-size: clamp(30px, 5.5vw, 42px); font-weight: 950; letter-spacing: -0.045em; color: #075f49; } .wpseo-calc-result-sub { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin-top: 16px; } .wpseo-calc-result-sub div { padding: 12px; border: 1px solid #d5efe3; border-radius: 13px; background: rgba(255,255,255,0.85); font-size: 13px; } .wpseo-calc-result-sub strong { display: block; margin-bottom: 2px; color: #075f49; font-size: 15px; } .wpseo-calc-note { margin-top: 14px; color: var(--wpseo-muted); font-size: 13px; } @keyframes wpseoFadeSlide { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } } @media (max-width: 760px) { .wpseo-hero { padding: 34px 22px; border-radius: 26px; } .wpseo-hero-points, .wpseo-key-grid, .wpseo-related-grid, .wpseo-calc-grid, .wpseo-calc-result-sub { grid-template-columns: 1fr; } .wpseo-diagnosis-card, .wpseo-content-card, .wpseo-calculator-card, .wpseo-checklist, .wpseo-faq-section, .wpseo-source-section, .wpseo-related-content, .wpseo-official, .wpseo-answer { padding: 22px 20px; border-radius: 24px; } .wpseo-official-grid { grid-template-columns: 1fr; } .wpseo-official .wpseo-action-button { width: 100%; min-width: 0; } } @media (max-width: 480px) { .wpseo-basicpension-page { word-break: normal; } .wpseo-hero h1 { font-size: 32px; } .wpseo-result-card { padding: 20px; } .wpseo-result-head { display: block; } .wpseo-result-icon { margin-bottom: 12px; } .wpseo-step { grid-template-columns: 42px minmax(0, 1fr); padding: 16px; } .wpseo-step-number { width: 42px; height: 42px; border-radius: 14px; } } /* ★2026-08-30 보강: 이 파일에 테마 간섭 방어 블록이 빠져 있었다. 발행편 HTML의

2026년 기준 · 보건복지부 고시 반영

기초연금, 월급 400만 원이어도 받습니다

선정기준액은 월급이 아니라 소득인정액으로 봅니다. 근로소득에서 116만 원을 빼고 남은 금액의 70%만 계산하기 때문에, 생각보다 훨씬 높은 소득에서도 대상이 됩니다.

선정기준액 단독 247만 원 · 부부 395만 2,000원

월 최대 단독 349,700원 · 부부 559,520원

재산 1억마다 통과 가능 월급이 약 47만 원 내려갑니다

내 소득인정액 바로 계산하기

핵심 답변

월급 468만 원까지 받을 수 있습니다. 단, 재산이 없을 때입니다. 근로소득만 있는 단독가구는 월 4,688,572원까지 소득인정액이 선정기준액 247만 원 안에 들어옵니다.

여기에 재산이 붙으면 기준선이 내려갑니다. 대도시 아파트 3억 원을 보유하면 재산의 소득환산액 55만 원이 더해져, 통과 가능 월급이 390만 원으로 떨어집니다. 월급과 재산을 따로 보면 판단이 어긋납니다.

이 글의 목차 ⌄

기초연금부부감액 – 윈윈 라이프트렌드

기초연금 수급자격 2026｜선정기준액 247만 원·소득인정액 계산법 총정리