Wage Claim Guarantee Calculator
Enter unpaid wages and severance to see the estimated payout under Korea's bankruptcy and simplified guarantee schemes.
⚖️ Payment type
Not sure which type applies?
If the employer went through bankruptcy or rehabilitation, or effectively shut down and can be recognised as de-facto insolvent, the bankruptcy payment usually applies. If the business is still running or insolvency recognition is hard, the simplified payment is the usual route. Check the comparison below.
🧑💼 Your details
Determines the monthly cap tier for the bankruptcy payment
Employees still working can claim only the wage portion of the simplified payment (no severance)
💰 Unpaid amounts
300만원
One month's amount, used for the final 3 months
0원
Leave at 0 if not applicable
Wages + shutdown allowance are covered for a combined maximum of 3 months
900만원
Total unpaid severance / retirement pension
Up to 3 years. Cap = yearly cap × years
📊 Estimated payout
Bankruptcy paymentEstimated payout
1,800만원
18,000,000원
out of 1,800만원 unpaid · Coverage 100%
Applied age tier
40세 이상 50세 미만
월 350만원
Not covered (over the cap)
0원
Estimated payout (colour) against unpaid amount (grey)
🔀 Bankruptcy vs Simplified
Bankruptcy payment
1,800만원
Scheme total cap 2,100만원
Simplified payment
1,000만원
Scheme total cap 1,000만원
Which scheme pays more — The bankruptcy payment is 800만원 higher
In practice, which scheme you can use depends on whether the employer's insolvency is recognised and whether you hold a final judgment. You can choose the better one only if you meet the requirements for both.
도산 대지급금 연령대별 월 상한
| 연령 | 임금(월) | 퇴직급여(년) | 휴업수당(월) |
|---|---|---|---|
| 30세 미만 | 220만원 | 220만원 | 154만원 |
| 30세 이상 40세 미만 | 310만원 | 310만원 | 217만원 |
| 40세 이상 50세 미만 | 350만원 | 350만원 | 245만원 |
| 50세 이상 60세 미만 | 330만원 | 330만원 | 231만원 |
| 60세 이상 | 230만원 | 230만원 | 161만원 |
도산 최대 2,100만원 · 간이 총 상한 1,000만원
Calculation basis
- 📜 Wage Claim Guarantee Act arts. 7 & 7-2, Enforcement Decree art. 6
- 📢 MOEL Notice on the caps for unpaid wage guarantee payments
- 👤 Bankruptcy: age-tiered monthly caps (under 30: 2.2M / 30s: 3.1M / 40s: 3.5M / 50s: 3.3M / 60+: 2.3M)
- 🏭 Shutdown allowance cap = 70% of the monthly wage cap
- ⚡ Simplified: 7M wages + 7M severance, 10M total (no age tiers)
- 🗓️ Coverage: final 3 months of wages/shutdown allowance + final 3 years of severance
※ Caps and age tiers change with ministerial notices. These figures are estimates; the actual amount is decided by COMWEL. This is not legal advice.
Need help recovering unpaid wages?
A guarantee claim usually requires prior recognition of de-facto insolvency, or a confirmed unpaid-wage certificate. A labour-office complaint or lawsuit is often needed in parallel.
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