๐ง Pension Calculator
Expected Monthly Pension
2,266,033์
Income Replacement: 64.7%
National
840,000์
Private
1,426,033์
๐๏ธ National Pension
๐ฐ Private Pension
๐ Income Replacement Analysis
Recommended: 70%+ replacement
โ ๏ธ Need additional 183,967 monthly.
๐ก Pension Savings Comparison
| Monthly | Tax Credit/yr | Accumulated | Monthly Payout |
|---|---|---|---|
| 100,000์ | 198,000์ | 1.14์ต์ | 475,344์ |
| 200,000์ | 396,000์ | 2.28์ต์ | 950,688์ |
| 300,000์ โ | 594,000์ | 3.42์ต์ | 1,426,033์ |
| 400,000์ | 660,000์ | 4.56์ต์ | 1,901,377์ |
| 500,000์ | 660,000์ | 5.70์ต์ | 2,376,721์ |
Pension Calculation Result
Monthly 2,266,033์
โจ 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.
๐ก Pension Savings Tips
- โ Fill pension savings 4M first, then add 3M to IRP
- โ Higher equity ETF allocation for long-term
- โ Check tax credit limits at year-end
๐ Panduan perhitungan lokal
Logika rumus
Menggunakan rumus publik untuk keuangan, pinjaman, rasio, dan konversi satuan.
Cakupan sumber
Mengacu pada standar publik dan praktik umum per negara.
Asumsi
Pajak, biaya, suku bunga, dan batas berbeda antar wilayah/lembaga.
Result Interpretation
Gunakan hasil ini sebagai skenario dasar. Sebelum memutuskan, bandingkan dengan penawaran nyata dan aturan pajak lokal.
Preset lokal
Mata uang: IDR
Satuan: metric
Model pajak: US payroll estimate
Catatan regulasi
Alat ini memakai preset regional untuk estimasi. Syarat nyata dan batas hukum dapat berbeda menurut lembaga dan aturan lokal.
Aksi yang disarankan
- Bandingkan minimal 2-3 penyedia lokal sebelum final.
- Cek ulang biaya, pajak, dan klausul pelunasan dipercepat secara tertulis.
- Uji skenario stres dengan bunga +1-2% dan pendapatan turun.
Sebelum keputusan nyata, pastikan aturan terbaru di lembaga setempat.