🧓 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
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。