생애 자산 시뮬레이터 - 은퇴, 자산 저축 계산기

View your lifetime asset flow on a single screen.

It is an asset planning tool that simulates retirement assets, mortgages, and savings/deposits within a single app.

"If I save like this now, how much can I accumulate by retirement?"

"If I buy this house with a loan, how much will I pay each month, and how much will the total interest be?"

"How much money will I actually receive in my hands after taxes at maturity?"

The Life Cycle Asset Simulator connects these three elements into one, showing you on a single graph how your income, savings, and loans interlock throughout your life.

■ Life Cycle Assets

Simulates asset flow from your current age through retirement and beyond. · Estimated assets at retirement and goal achievement rate reflecting savings/deposit accumulation, mortgage repayments, and annual salary growth rates
· Goal gauge showing current path relative to target assets
· Life cycle asset trend graph distinguishing between the asset formation phase and the post-retirement withdrawal phase, compared with the median distribution band of peers
· Annual asset timeline allowing you to view after-tax income, accumulation, repayment, and net worth by age line by line

■ Mortgage Loans

Calculates the monthly repayment amount and total interest simply by entering the loan principal, interest rate, and term.

· Comparison of four repayment methods: Equal Principal and Interest · Equal Principal · Deferred Payment · Increasing Repayment

· Cumulative graph of principal versus interest composition by year

· Donut chart showing the proportion of interest relative to total repayment

■ Savings/Deposits

Calculates the maturity amount and after-tax interest for time deposits and installment savings.

· Register multiple products to compare simultaneously
· Select simple/monthly compound interest and general, preferential, or tax-exempt tax rates
· Estimate the projected balance upon reinvestment from maturity until retirement
· Interest rate scenarios (Maintain / +1%p / -1%p) and inflation-adjusted real value

■ What you should look for
· The three tabs are interconnected. Savings and installment deposits, as well as mortgage repayments, are directly reflected in the life cycle asset simulation, eliminating the need for separate calculations. · Intuitive visualizations displaying numbers at a glance using graphs, donuts, and gauges

· Stylish UI supporting both Dark and Light modes, with quick tab switching via left and right swipes

· Quickly input large amounts using +100 Million / +10 Million / +1 Million buttons

· Onboarding guides you to the function of each tab upon first launch

■ Recommended for:

· Young professionals — Those wondering how much they will accumulate by retirement with their current saving habits

· Homebuyers — Those who want to compare repayment burdens by loan type

· Investment beginners — Those who want to know the exact maturity and after-tax interest on savings and deposits

· Those needing retirement planning — Those who want to review their current path relative to their target assets

■ My Data on My Device

The asset and financial information you enter is not transmitted to a server and is calculated only within your device.

■ Calculation Criteria

· After-tax income is an approximation reflecting the average Korean social insurance premiums (National Pension, Health Insurance, and Employment Insurance), progressive income tax, and earned income deductions and tax credits.

** · Severance pay is an estimate based on average wages, and tax rates for deposits and savings are applied at 15.4% for general, 9.5% for preferential, and 0% for non-taxable.

· The statistical comparison bands represent approximate values ​​of the net asset distribution by age group based on the Statistics Korea Household Financial and Welfare Survey.

· All results in this app are reference estimates based on input values, and actual taxes, severance pay, pension receipts, and loan repayments may vary depending on individual circumstances and changes in regulations. This does not constitute investment or loan solicitation, or financial advice.