Self-Employed Pension Calculator
Optimal pension strategy for business owners
Calculate the optimal combination of National Pension, Pension Savings, and IRP for self-employed and freelancers. Check tax benefits and expected pension at a glance.
🏪 Self-Employed Pension Features
Self-employed pay 9% of income to National Pension entirely by themselves. However, by utilizing Pension Savings and IRP, you can get tax credits up to 7 million won, combining tax savings and retirement preparation. For self-employed with irregular income, pensions provide stable retirement income.
🧓 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.
📐 Pension Calculation
National Pension = Monthly Income × 9% (self-paid)
Tax Credit = (Pension Savings 4M + IRP 3M) × 16.5%
Max Tax Credit = 7M × 16.5% = 1.155M KRW
📝 How to Calculate
- Enter monthly average business income
- Check current National Pension payment
- Enter Pension Savings/IRP contribution plan
- Review expected tax credits and pension
- Build optimal pension portfolio
📊 Self-Employed Tax Credit Simulation
| Annual Income | Pension Savings | IRP | Credit Rate | Refund |
|---|---|---|---|---|
| Under $33K | $3,300 | $2,500 | 16.5% | $957 |
| $33K-$46K | $3,300 | $2,500 | 16.5% | $957 |
| Over $46K | $3,300 | $2,500 | 13.2% | $766 |
| Over $83K | $2,500 | $2,500 | 13.2% | $660 |
💡 Self-Employed Pension Strategy
- Extend coverage period with voluntary National Pension
- Fill Pension Savings 4M first, then add IRP 3M
- Maintain minimum contribution in low-income years
- Additional deductions with Small Business Mutual Aid
- Keep Pension Savings after closure for compound effect
❓ FAQ
If you have business income, enrollment is mandatory. However, if income is very low or none, you can apply for payment exemption.
Enroll in both. Small Business Aid offers income deduction (max 5M), while Pension Savings offers tax credit (max 4M) - different benefit structures.
National Pension coverage continues, and Pension Savings/IRP remain if not terminated. Contributions become optional after closure with no income.
📚 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.