🧓 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
📚 Guide de calcul local
Logique de formule
Utilise des formules publiques de finance, prêt, ratio et conversion.
Périmètre des sources
Références basées sur standards publics et pratiques courantes par pays.
Hypothèses
Taxes, frais, taux et plafonds varient selon la région et l’organisme.
Result Interpretation
Utilisez ce résultat comme scénario de base. Avant décision, comparez-le avec une offre réelle et la fiscalité locale.
Préréglage local
Devise: EUR
Unités: metric
Modèle fiscal: US payroll estimate
Note réglementaire
Cet outil utilise des préréglages régionaux pour l’estimation. Les conditions réelles et limites légales varient selon l’établissement et la loi locale.
Actions recommandées
- Comparez au moins 2-3 établissements locaux avant décision.
- Vérifiez par écrit frais, fiscalité et clause de remboursement anticipé.
- Testez un scénario de stress avec +1-2% de taux.
Avant toute décision réelle, vérifiez les règles locales à jour.