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A2 verb 9 min de lectura

공제하다

gongjehada
Ejemplos 공제하다 en 30 segundos
Explicación 공제하다 in your Level:
At the A1 level, you don't need to use the word '공제하다' very often, but you might see it on a simple bill or hear it when someone talks about money. Think of it as a fancy way to say 'minus' (-) or 'take away'. In A1, we usually use the word '빼다' (ppaeda). For example, if a burger is 5,000 won and you have a 1,000 won coupon, you '빼다' 1,000 won. However, '공제하다' is specifically for when the bank or your boss takes money out of your pay for things like taxes. You can think of it as 'Official Subtraction'. Even at this level, knowing that '공제' means something is being taken away from your total money will help you understand your first Korean paycheck. Just remember: Money in - 공제 = Money you keep.
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At the A2 level, you should begin to recognize '공제하다' in practical situations, especially if you are working or living in Korea. This word is a 'Hanja' word, which means it sounds more formal than '빼다'. You will see it on your '월급 명세서' (salary statement). When you look at your pay, the total amount is '총액', and the things they take out (like health insurance or national pension) are '공제 항목' (deduction items). A typical sentence you might use or hear is: '월급에서 세금을 공제해요' (They deduct taxes from the salary). Notice the particle '에서' (from) after '월급' (salary). You should also know the passive form '공제되다' (to be deducted), as in '수수료가 공제되었어요' (The fee was deducted). This level is about recognizing the word in financial contexts and using it correctly with the '에서' and '을/를' particles.
By B1, you should be able to use '공제하다' in discussions about finances, housing, and simple contracts. This is the level where you might experience '연말정산' (year-end tax settlement) in Korea. You should understand that '소득공제' (income deduction) is a beneficial thing because it reduces the amount of your income that is taxed. You can now use the word to describe more complex situations, such as a landlord deducting repair costs from a deposit: '보증금에서 수리비를 공제하고 돌려받았습니다.' You should also be able to distinguish '공제하다' from '할인하다' (to discount). Remember, '할인' is a lower price at a store, but '공제' is taking money out of a sum you are already dealing with. You should also start using the word in its noun form, '공제', to talk about '공제 혜택' (deduction benefits).
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At the B2 level, '공제하다' becomes a tool for professional communication. You should understand its nuances in business accounting and law. You can use it to explain complex financial processes, such as '원천징수' (withholding tax), where the employer '공제하다' the tax before paying the employee. You should also be familiar with related terms like '차감하다' (to subtract a balance) and '삭감하다' (to cut a budget). At this level, you can use the word in more abstract or formal writing, such as '공제 대상' (items eligible for deduction). You should be able to discuss the fairness of certain deductions or explain to a client why a certain amount was deducted from their refund. Your usage should reflect an understanding that this is a precise, technical term used to ensure accuracy in financial transactions.
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At the C1 level, you should have a nuanced command of '공제하다' and be able to use it in academic or high-level professional settings. You might encounter this word in the context of '조세법' (tax law) or '근로기준법' (Labor Standards Act). You should be able to discuss '인적 공제' (personal deductions for family members) versus '물적 공제' (deductions for expenses). You can use the word to analyze economic policies, such as how '공제 제도' (the deduction system) affects consumer spending. You should also be comfortable with the Hanja roots (控除) and how they relate to other words like '제외' (exclusion) or '삭제' (deletion). At this level, you are not just using the word; you are using it to navigate the complexities of Korean bureaucracy and financial systems with the same precision as a native speaker.
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At the C2 level, '공제하다' is used with absolute precision in legal, legislative, or high-level financial discourse. You can understand and draft documents that involve '특별공제' (special deductions), '이월공제' (carry-over deductions), or '공제 한도' (deduction limits). You can engage in debates about the socio-economic impacts of changing deduction rates in the national tax code. You understand the historical evolution of the word and its specific legal definitions in various Korean statutes. You can switch between '공제하다' and its synonyms like '감하다', '차감하다', or '제하다' to hit the exact rhetorical note required for your audience, whether you are writing a legal brief, a corporate financial report, or a scholarly article on public policy. Your understanding includes the subtle psychological difference between a 'tax credit' (세액공제) and a 'tax deduction' (소득공제) and how to explain these concepts clearly in Korean.
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Ejemplos

공제하다 en 30 segundos

  • A formal verb meaning to deduct money from a total sum, such as a salary or tax bill.
  • Used primarily in financial, legal, and professional contexts like payroll and tax settlements.
  • Commonly paired with '에서' (from) to indicate the source and '을/를' for the amount.
  • Essential for understanding Korean employment, banking, and government documents.

The Korean verb 공제하다 (gongjehada) is a formal and technical term primarily used in financial, legal, and administrative contexts. At its core, it means 'to deduct' or 'to subtract' a specific amount of money from a total sum, such as a salary, a refund, or a tax obligation. Unlike the more common word '빼다' (ppaeda), which can mean subtracting anything from numbers to physical objects, 공제하다 is almost exclusively reserved for money that is taken out for a specific, often mandatory or official, reason. Understanding this word is crucial for anyone living or working in Korea, as it appears on every paycheck, tax form, and insurance document. It originates from Hanja (Chinese characters), where 控 (공) means to control or pull back, and 除 (제) means to remove or exclude. Together, they create the concept of 'pulling out and removing' a portion of a whole.

Financial Context
In a professional setting, this word is most frequently encountered during the calculation of 'net pay' (실수령액). Employers will 공제하다 various items like national pension (국민연금), health insurance (건강보험), and income tax (소득세) from your gross salary (월급 총액).

회사는 제 월급에서 보험료를 공제합니다. (The company deducts insurance premiums from my salary.)

Another major area where 공제하다 is used is in 'Tax Deductions' (소득공제). During the famous Korean 'Year-end Tax Settlement' (연말정산), taxpayers look for ways to 공제하다 expenses like medical bills, education costs, or credit card spending from their taxable income to reduce the amount of tax they owe. This isn't just a simple subtraction; it's a legal process of excluding certain amounts from being taxed. When you hear this word, think of a formal 'carving out' of a portion of money for a legitimate purpose.

Legal/Contractual Context
In housing contracts, if there is damage to a property, a landlord might 공제하다 the repair costs from the security deposit (보증금) before returning it to the tenant.

보증금에서 수리비를 공제하고 돌려받았습니다. (I received the deposit back after the repair costs were deducted.)

Culturally, Koreans are very sensitive to what is being 공제-ed from their paychecks. Because the tax system is quite automated and complex, the verb is part of everyday survival vocabulary for office workers (직장인). It signifies the difference between what you 'earned' on paper and what actually lands in your bank account. In summary, use this word when the subtraction is part of a calculation, a rule, or a formal agreement involving money.

Using 공제하다 correctly requires understanding its grammatical particles and the nouns it typically pairs with. As a transitive verb, it follows the pattern: [Source/Total]에서 [Amount/Category]을/를 공제하다. This translates to 'Deduct [Amount] from [Source]'. The source is often a salary (월급), a total amount (총액), or a deposit (보증금). The amount being deducted is usually a tax (세금), a fee (수수료), or a premium (보험료).

Active vs. Passive
While '공제하다' is the active form ('to deduct'), you will very often see the passive form 공제되다 ('to be deducted'). For example, '세금이 공제되었습니다' (The tax has been deducted). In most official documents, the passive form is preferred to describe the state of the funds.

카드 사용액의 일부를 소득에서 공제할 수 있습니다. (You can deduct a portion of your card spending from your income.)

When talking about taxes specifically, the word often combines with nouns to form complex phrases. For example, 연말정산 공제 (Year-end settlement deduction) or 기본 공제 (Standard deduction). In these cases, even though '공제' is a noun, it functions as the core concept of the sentence. If you want to say 'I want to get a deduction,' you would say '공제를 받고 싶어요'. Note that '공제' is the act, and '공제액' is the specific amount that was deducted.

Common Grammatical Patterns
1. [Target]을 공제한 [Remainder]: 'The [Remainder] after deducting [Target]'. Example: '수수료를 공제한 나머지 금액' (The remaining amount after deducting the fee).
2. [Condition]에 따라 공제하다: 'Deduct according to [Condition]'. Example: '규정에 따라 공제합니다' (Deduct according to the regulations).

모든 비용을 공제하고 나면 남는 것이 별로 없어요. (After deducting all the expenses, there isn't much left.)

Finally, it is worth noting the nuance between 공제하다 and 차감하다. While both mean to subtract, 공제하다 has a stronger nuance of 'exempting' or 'taking out for a specific legal/financial reason', whereas 차감하다 is a more general term for 'subtracting from a balance'. If you are filling out a government form, 공제 is the word you will see 99% of the time.

If you are an English speaker living in Korea, you will most likely encounter 공제하다 in four specific environments. First and foremost is the HR (Human Resources) department of your company. Every month, when you receive your 'Pay Stub' (급여명세서), there is a section labeled '공제 내역' (Deduction Details). This list includes things like health insurance, employment insurance, and taxes. When an HR manager explains your salary, they will say, '이 금액은 세금을 공제한 후의 금액입니다' (This amount is the amount after deducting taxes).

Scenario 1: The Office
During the month of January, every office in Korea is buzzing with the word '연말정산' (Year-end tax settlement). Colleagues will ask each other, '이번에 공제 많이 받았어요?' (Did you get a lot of deductions this time?). They are referring to the tax benefits received from their spending throughout the previous year.

부양가족이 있으면 세금을 더 많이 공제받을 수 있습니다. (If you have dependents, you can receive more tax deductions.)

The second environment is the Bank or Insurance company. When you close a savings account early or claim insurance money, the agent might explain that certain fees or previously paid benefits will be 공제-ed from the final payout. For example, if you have a deductible on your car insurance, that amount is the '자기부담금' which is 공제-ed from the total repair cost the insurance company covers.

Scenario 2: Real Estate (부동산)
When moving out of an apartment, the landlord (집주인) might list utilities that haven't been paid yet. They will say, '밀린 전기세를 보증금에서 공제하겠습니다' (I will deduct the unpaid electricity bills from the deposit).

청소비를 공제한 나머지를 입금해 드릴게요. (I will deposit the remainder after deducting the cleaning fee.)

Lastly, you will see this word in the news and government announcements. Whenever the government changes tax laws, headlines will use terms like '소득공제 확대' (Expansion of income deductions) or '월세 공제 혜택' (Monthly rent deduction benefits). In these contexts, 공제하다 is a positive word because it means you get to keep more of your money by reducing the amount that is taxed.

The most common mistake learners make with 공제하다 is using it in casual, non-financial situations. Because it translates to 'deduct' or 'subtract', English speakers might be tempted to use it when they should use '빼다' (to take out) or '줄이다' (to reduce). For instance, if you want to ask a waiter to 'deduct' the onions from your burger, using 공제하다 would be incorrect and quite funny—it would sound like you are asking for a legal tax exemption on onions.

Mistake 1: Confusing with '할인하다' (Discount)
Learners often confuse 'deduction' with 'discount'. While both result in paying less, 할인하다 is used for a price reduction offered by a seller (like a sale at a store). 공제하다 is used when an amount is taken out of a total you are owed or a tax you must pay. You don't '공제' a coupon; you '할인' a coupon.

Incorrect: 이 쿠폰으로 5000원을 공제해 주세요.
Correct: 이 쿠폰으로 5000원을 할인해 주세요.

Another mistake is with the particle usage. Some learners use the particle '-에게' (to) instead of '-에서' (from). Remember that money is being taken out of a source. Therefore, always use [Source]에서. If you say '월급에게 공제하다', it sounds like you are performing a deduction to the salary as if the salary were a person receiving the action.

Mistake 2: Overusing the Active Form
In English, we often say 'The bank deducted the fee.' In Korean, while you can say '은행이 수수료를 공제했다,' it is much more natural to use the passive: '수수료가 공제되었습니다' (The fee was deducted). Overusing the active form can make your Korean sound a bit aggressive or unnatural in formal reports.

세금이 자동으로 공제되니 따로 신경 쓸 필요 없어요. (Taxes are automatically deducted, so you don't need to worry about it.)

Finally, remember that 공제 is a Hanja word. Using it in very simple, everyday conversations about sharing food or splitting a bill might sound too stiff. If you are splitting a bill with a friend and want to subtract your share, use '빼다' (ppaeda) or '나누다' (nanuda). Keep 공제하다 for your boss, your landlord, or your tax accountant.

To master 공제하다, you must see how it sits within a family of words that all mean 'to take away' or 'to reduce'. Depending on the context—whether it's math, business, or casual talk—the word choice changes significantly. Here is a breakdown of the most common alternatives and how they differ from our target word.

공제하다 vs. 차감하다 (Chagam-hada)
공제하다: Focuses on 'exempting' or 'taking out' based on a specific rule or law (mostly taxes/payroll).
차감하다: A general accounting term for 'subtracting' from a balance or a score. If you lose points in a game, they are '차감'ed, not '공제'ed.
공제하다 vs. 삭감하다 (Sakgam-hada)
삭감하다: Means to 'slash' or 'cut'. This is used for budget cuts (예산 삭감) or salary cuts. It implies a reduction in the total amount available, often with a negative connotation.

내년 예산이 10% 삭감되었습니다. (Next year's budget has been cut by 10%.)

Then we have the more common words. 빼다 (Ppaeda) is the 'Swiss Army Knife' of subtraction. It is used in math (5 빼기 3), in cooking (오이 빼주세요 - No cucumbers please), and in weight loss (살을 빼다). It is the informal and versatile version of 공제하다. If you are ever in doubt in a casual setting, 빼다 is your safest bet.

공제하다 vs. 제외하다 (Jewoe-hada)
제외하다 means 'to exclude'. While 공제하다 involves a numerical subtraction, 제외하다 is about leaving something out of a group or a list. For example, '김철수 씨를 명단에서 제외하다' (Exclude Mr. Kim from the list).

주말을 제외하고 3일이 걸립니다. (It takes 3 days, excluding weekends.)

In summary, choose your word based on the 'vibe' of the subtraction:
1. Financial/Official/Tax? → 공제하다
2. General Accounting/Balance? → 차감하다
3. Negative Cut/Reduction? → 삭감하다
4. Everyday/Casual/Math? → 빼다
5. Group Exclusion? → 제외하다

Guía de pronunciación

UK /ɡoŋ.dʑe.ɦa.da/
US /ɡoŋ.dʑe.ɦa.da/
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Ejemplos por nivel

1

월급에서 방세를 공제해요.

They deduct rent from the salary.

에서 (from) is used with the source of money.

2

세금을 공제한 후에 돈을 받아요.

I receive money after deducting taxes.

-한 후에 (after doing) shows the sequence.

3

여기에서 만 원을 공제해 주세요.

Please deduct 10,000 won from here.

-해 주세요 is a polite request.

4

수수료를 공제합니까?

Do you deduct a fee?

-합니까? is the formal question form.

5

보험료가 공제되었어요.

The insurance premium was deducted.

공제되다 is the passive form.

6

공제할 금액이 얼마예요?

How much is the amount to be deducted?

-할 (future/descriptive) modifies the noun '금액'.

7

만원을 공제하고 주세요.

Deduct 10,000 won and then give it to me.

-고 (and then) connects two actions.

8

자동으로 공제해요.

It deducts automatically.

Adverb '자동으로' (automatically) describes the action.

1

급여에서 식대를 공제합니다.

They deduct meal costs from the pay.

급여 is a more formal word for salary than 월급.

2

보증금에서 수리비를 공제했어요.

I deducted the repair cost from the deposit.

Past tense -했어요.

3

공제 내역을 확인하세요.

Please check the deduction details.

내역 (details) is a common collocation.

4

이 금액에서 수수료가 공제됩니다.

The fee is deducted from this amount.

Present passive -됩니다.

5

연말에 세금을 공제받을 수 있어요.

You can get a tax deduction at the end of the year.

공제받다 (to receive a deduction) is a very common phrase.

6

기본 공제 금액이 올랐어요.

The standard deduction amount has increased.

기본 공제 (standard deduction) is a set term.

7

카드 사용액을 공제해 줍니다.

They deduct the card spending (from taxable income).

-해 주다 implies a benefit for the recipient.

8

실수령액은 세금을 공제한 금액입니다.

The net pay is the amount after deducting taxes.

실수령액 (actual amount received) is the technical term for net pay.

1

부양가족 수에 따라 세금을 공제합니다.

Taxes are deducted according to the number of dependents.

-에 따라 (according to) shows the condition.

2

의료비는 소득에서 공제 대상입니다.

Medical expenses are eligible for deduction from income.

공제 대상 (subject to deduction) is a formal phrase.

3

회사가 임의로 월급을 공제할 수 없습니다.

The company cannot arbitrarily deduct from the salary.

임의로 (arbitrarily) is a formal adverb.

4

기부금 공제를 받으려면 영수증이 필요해요.

You need a receipt to get a donation deduction.

-으려면 (if you want to) expresses intention.

5

전체 금액에서 10%를 공제하고 입금했습니다.

I deposited the amount after deducting 10% from the total.

입금하다 (to deposit) is a common financial verb.

6

공제액이 생각보다 적어서 실망했어요.

I was disappointed because the deduction amount was smaller than expected.

공제액 refers to the specific amount deducted.

7

월세 공제 혜택을 확인해 보세요.

Check the monthly rent deduction benefits.

공제 혜택 (deduction benefit) is a common pairing.

8

퇴직금에서 대출금을 공제하기로 했습니다.

We decided to deduct the loan from the severance pay.

-기로 하다 (to decide to) shows an agreement.

1

소득세법에 의거하여 해당 비용을 공제합니다.

The expense is deducted based on the Income Tax Act.

-에 의거하여 (based on) is very formal.

2

과도한 공제는 세무 조사의 원인이 될 수 있습니다.

Excessive deductions can cause a tax audit.

세무 조사 (tax audit) is a high-level term.

3

보험사는 미납 보험료를 보험금에서 공제했다.

The insurance company deducted unpaid premiums from the insurance payout.

미납 (unpaid) is a formal administrative term.

4

근로소득 공제율이 내년부터 조정될 예정입니다.

The earned income deduction rate is scheduled to be adjusted from next year.

공제율 (deduction rate) is a statistical term.

5

회계상 실수로 공제 누락이 발생했습니다.

A deduction omission occurred due to an accounting error.

누락 (omission) is used when something is left out.

6

합리적인 근거 없이 금액을 공제할 수 없습니다.

You cannot deduct an amount without a rational basis.

합리적인 근거 (rational basis) is a legalistic phrase.

7

특별 세액 공제를 신청하는 방법을 알려주세요.

Please tell me how to apply for a special tax credit/deduction.

세액 공제 (tax credit/deduction) is specific to tax amounts.

8

중복 공제는 허용되지 않으므로 주의하십시오.

Double deductions are not allowed, so please be careful.

중복 (duplicate/double) is a common formal prefix.

1

해당 지출이 공제 요건을 충족하는지 검토해야 합니다.

We must review whether the expenditure meets the deduction requirements.

요건을 충족하다 (to meet requirements) is a formal collocation.

2

이월 공제 제도를 활용하여 법인세를 절감했습니다.

We reduced corporate tax by utilizing the carry-over deduction system.

이월 공제 (carry-over deduction) is an advanced accounting term.

3

정부는 소비 진작을 위해 신용카드 공제 한도를 확대했다.

The government expanded the credit card deduction limit to stimulate consumption.

진작 (stimulation) is an academic term for boosting something.

4

분양가에서 미시공 부분에 대한 비용을 공제받았다.

Costs for the unconstructed parts were deducted from the sale price.

미시공 (unconstructed) is a technical construction term.

5

공제 대상 여부에 대한 유권해석을 요청했습니다.

We requested an official interpretation on whether it is eligible for deduction.

유권해석 (official/authoritative interpretation) is a high-level legal term.

6

가업 상속 공제는 중소기업의 영속성을 돕는 제도이다.

The family business inheritance deduction is a system that helps the continuity of small businesses.

영속성 (continuity/permanence) is an abstract noun.

7

손해배상금에서 과실 비율만큼 공제하는 것이 원칙이다.

The principle is to deduct according to the fault ratio from the compensation.

과실 비율 (fault ratio) is a legal term used in insurance/law.

8

세액 공제와 소득 공제의 차이점을 명확히 파악해야 한다.

One must clearly understand the difference between tax credits and income deductions.

파악하다 (to grasp/understand) is more formal than 알다.

1

본 조항은 조세특례제한법상의 공제 배제 사유를 명시하고 있다.

This clause specifies the grounds for exclusion from deductions under the Restriction of Special Taxation Act.

배제 사유 (grounds for exclusion) is highly technical.

2

인적 공제의 형평성 논란이 정책 결정의 핵심 쟁점으로 부각되었다.

The controversy over the fairness of personal deductions has emerged as a key issue in policy-making.

핵심 쟁점 (key issue) and 부각되다 (to emerge/stand out) are high-level.

3

누진세율 체계 하에서 공제 제도는 소득 재분배의 기능을 수행한다.

Under a progressive tax rate system, the deduction system performs the function of income redistribution.

소득 재분배 (income redistribution) is a sociological/economic term.

4

납세자의 권익 보호를 위해 공제 절차의 간소화가 시급하다.

Simplification of the deduction procedure is urgent to protect the rights and interests of taxpayers.

권익 보호 (protection of rights and interests) is a formal social term.

5

해당 비용의 공제 가능 여부는 대법원 판례에 따라 결정될 것이다.

Whether the expense can be deducted will be decided according to Supreme Court precedents.

판례 (legal precedent) is an essential C2 legal term.

6

기본권 침해의 소지가 있는 강제 공제 조항에 대해 헌법 소원을 제기했다.

A constitutional petition was filed against the mandatory deduction clause that potentially violates basic rights.

헌법 소원 (constitutional petition) is the highest level of legal action.

7

글로벌 최저한세 도입에 따른 세액 공제 제도의 대대적인 개편이 예고되었다.

A major overhaul of the tax credit system following the introduction of the global minimum tax was announced.

대대적인 개편 (major overhaul) is a common journalistic phrase.

8

공제액 산출 방식의 복잡성은 행정 비용의 증가를 초래하는 요인이다.

The complexity of the deduction calculation method is a factor that causes an increase in administrative costs.

초래하다 (to cause/bring about) is used for negative outcomes.

Colocaciones comunes

세금을 공제하다
보험료를 공제하다
수수료를 공제하다
소득공제를 받다
자동으로 공제되다
공제 내역
공제 금액
기본 공제
전액 공제
원천 공제

Frases Comunes

공제하고 남은 금액

— The remaining amount after deduction.

공제하고 남은 금액만 입금해 주세요.

공제 대상이 되다

— To be eligible for a deduction.

이 비용은 공제 대상이 됩니다.

공제 혜택을 누리다

— To enjoy deduction benefits.

다양한 공제 혜택을 누리세요.

공제 한도액

— The maximum limit of deduction.

공제 한도액을 초과했습니다.

일괄 공제

— Lump-sum or flat-rate deduction.

복잡한 계산 대신 일괄 공제를 선택했다.

인적 공제

— Personal deduction (based on family members).

인적 공제 덕분에 세금을 아꼈다.

소득 공제 신청

— Applying for an income deduction.

소득 공제 신청 기간을 놓치지 마세요.

공제 항목

— Deduction items/categories.

명세서에서 공제 항목을 찾아보세요.

사전 공제

— Deduction made in advance.

사전 공제 후 잔액을 지급합니다.

특별 공제

— Special deduction.

올해는 특별 공제가 추가되었습니다.

Modismos y expresiones

"공제할 것 다 공제하다"

— To deduct everything that needs to be deducted, leaving only the bare minimum.

공제할 것 다 공제하고 나니 남는 게 없네.

Informal/Colloquial
"피 같은 돈을 공제하다"

— To deduct money that was earned with great effort (blood-like money).

내 피 같은 돈을 그렇게 많이 공제하다니!

Emotional/Colloquial
"세금 떼다"

— A casual way to say 'deduct taxes' (literally 'to pluck off taxes').

세금 떼고 얼마 받아요?

Casual
"유리 지갑"

— Refers to office workers' salaries because every deduction is visible and cannot be hidden from the tax office.

직장인은 유리 지갑이라 공제가 정확해요.

Metaphorical
"줬다 뺏다"

— To give and then take back (often used when a bonus is given but then heavily deducted via taxes).

보너스를 주더니 세금으로 다 공제하네. 줬다 뺏는 것도 아니고.

Sarcastic
"뼈 아픈 공제"

— A painful deduction (usually a large amount).

이번 수수료는 정말 뼈 아픈 공제였다.

Informal
"남는 게 없다"

— Nothing remains (often said after many deductions).

공제하고 나면 남는 게 없어요.

Common
"손 안 대고 코 풀기"

— Doing something easily (sometimes used when the government 'deducts' taxes automatically without the taxpayer doing anything).

자동 공제는 국가 입장에서 손 안 대고 코 풀기지.

Proverbial/Sarcastic
"밑 빠진 독"

— A bottomless pot (used when deductions are so many that money never accumulates).

공제가 너무 많아 내 통장은 밑 빠진 독이야.

Metaphorical
"가랑비에 옷 젖는다"

— Clothes get soaked in a drizzle (small deductions adding up to a large amount).

소액 공제들이 가랑비에 옷 젖듯 큰 돈이 됐네.

Proverbial
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