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.
📚 国別の計算ガイド
計算ロジック
金融・ローン・比率・単位変換の公開標準を使用します。
参照範囲
公開された基準と各国で一般的な運用慣行を参照します。
前提条件
税率・手数料・上限は地域や金融機関で異なります。
結果の読み方
結果は基準シナリオとして活用してください。最終判断前に金融機関見積と税務条件を比較してください。
ロケール既定値
通貨: JPY
単位: metric
税計算モデル: US payroll estimate
法規上の注意
本ツールは国別プリセットによる概算です。実際の契約条件や法的上限は金融機関・地域法令により異なる場合があります。
推奨アクション
- 申込前に最低2〜3社の条件を比較してください。
- 手数料・税務・繰上返済条項を書面で再確認してください。
- 金利+1〜2%と収入減少のストレスケースも確認してください。
実際の契約前に、必ず現地機関の最新条件を確認してください。