🧓 Pension Calculator
Expected Monthly Pension
2,266,033원
Income Replacement: 64.7%
National
840,000원
Private
1,426,033원
🏛️ National Pension
💰 Private Pension
📊 Income Replacement Analysis
Recommended: 70%+ replacement
⚠️ Need additional 183,967 monthly.
💡 Pension Savings Comparison
| Monthly | Tax Credit/yr | Accumulated | Monthly Payout |
|---|---|---|---|
| 100,000원 | 198,000원 | 1.14억원 | 475,344원 |
| 200,000원 | 396,000원 | 2.28억원 | 950,688원 |
| 300,000원 ← | 594,000원 | 3.42억원 | 1,426,033원 |
| 400,000원 | 660,000원 | 4.56억원 | 1,901,377원 |
| 500,000원 | 660,000원 | 5.70억원 | 2,376,721원 |
Pension Calculation Result
Monthly 2,266,033원
✨ National 840,000 + Private 1,426,033Income replacement 64.7%
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Note
This is an estimate. Actual pension amounts vary based on contribution history. Contact the NPS (1355) for accurate information.
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Three-Pillar Pension System
Korea's pension system has three pillars: National Pension (public), Retirement Pension (employer), and Private Pension (individual). A balanced combination ensures stable retirement.
National Pension
- Coverage: Residents aged 18-59
- Rate: 9% of income (4.5% each by employee and employer)
- Eligibility: 10+ years contribution, from age 63
Private Pension
| Type | Pension Savings | IRP |
|---|---|---|
| Contribution Limit | 18M/year | 18M/year (combined) |
| Tax Credit Limit | 4M/year | +3M/year |
| Credit Rate | 13.2-16.5% | |
| Investments | Funds, ETFs | Funds, ETFs, Deposits |
Recommended Replacement Rate
OECD recommends 70%+ income replacement. Korea's National Pension alone provides only 25-40%, so private pension supplements are essential.
💡 Pension Savings Tips
- ✓ Fill pension savings 4M first, then add 3M to IRP
- ✓ Higher equity ETF allocation for long-term
- ✓ Check tax credit limits at year-end
📚 Länderbezogener Rechenleitfaden
Formellogik
Verwendet öffentliche Standards für Finanzen, Darlehen, Quoten und Umrechnung.
Quellenrahmen
Bezug auf öffentliche Standards und übliche Praxis je Land.
Annahmen
Steuern, Gebühren, Zinssätze und Grenzen variieren nach Region/Institut.
Result Interpretation
Nutzen Sie das Ergebnis als Basisszenario. Vor Entscheidungen mit echtem Angebot und lokaler Steuerlage abgleichen.
Lokale Voreinstellung
Währung: EUR
Einheiten: metric
Steuermodell: US payroll estimate
Regulatorischer Hinweis
Dieses Tool nutzt regionale Voreinstellungen zur Schätzung. Reale Vertragsbedingungen und gesetzliche Grenzen variieren je nach Institut und Rechtsraum.
Empfohlene nächste Schritte
- Vergleichen Sie vor Abschluss mindestens 2-3 lokale Anbieter.
- Prüfen Sie Gebühren, Steuerwirkung und Vorfälligkeitsklauseln schriftlich.
- Simulieren Sie ein Stressszenario mit +1-2% Zins.
Vor realen Entscheidungen bitte die aktuellen lokalen Regeln prüfen.