은퇴준비자금 계산기 (일반용)

The Retirement Fund Calculator is an integrated asset calculation procedure that financial advisors and insurance planners use immediately when sitting down with clients.

By systematizing the complex process of retirement planning into an 8-step structure, it enables the calculation of items that aid in professional and consistent consultation, ranging from first-time clients to VIP high-net-worth individuals.

** ━━━ 8-Step Consultation Flow ━━━

【 Step 1 】 Basic Profile & Top 10 Comprehensive Asset Status

• Enter client name and date of birth → Current age automatically calculated

• Enter 4 types of real estate (residential housing, investment apartments, commercial buildings, land), 4 types of financial assets (savings deposits, stock ETFs, pension savings IRPs, retirement pensions), and 2 types of liabilities

• Total Assets & Net Assets Dashboard + Real-time display of real estate/financial asset weighting donut charts

• Automatic generation of feedback diagnosing asset concentration

【 Step 2 】 Retirement Timing & Pension Commencement Planning

• Set target retirement age for the primary actual income source

• Automatic tracking of the statutory National Pension retirement age by year of birth (Accurately reflects the range from 1952 to 1969 and beyond)

• One-click comparison of Early, Standard, and Deferred Retirement scenarios

• Integrated planning for the commencement age of public pensions (National Pension/Occupational Pensions) and private pensions

【 Step 3 】 Cash Flow GAP Analysis & Multidimensional Alternatives

• Monthly Living Expenses Required After Retirement vs. Automatic calculation of monthly pension income gap

• Estimated Housing Pension payout (reflecting payment rates by age)

• Simulation of realistic alternatives such as re-employment, rental income, and living expense reduction

• Analysis separated into Phase 1 (Re-employment phase) and Phase 2 (Full retirement phase)

【 Step 4 】 Detailed analysis of public and private pensions

• Precise calculation based on National Pension A value (separate calculation of equal portion and income-proportional portion)

• Customized estimation by directly inputting your average monthly income (B value)

• Automatic application of Basic Pension reduction formula (50% reduction limit on amounts exceeding A benefit)

• Automatic display of 16.5% separate taxation amount when private pension (Pension Savings & IRP) payouts exceed 15 million KRW

【 Step 5 】 Tax-saving account & ISA simulation

• Calculation of Pension Savings & IRP tax deduction limits (6 million + IRP combined 9 million)

• ISA tax-exempt limit (General • 2 million KRW / Low-income 4 million KRW), automatic reflection of 9.9% separate taxation

• Application of an additional 10% tax credit (limit of 3 million KRW) for ISA → Pension Account conversion

• Simulation of tax-saving effects and maturity payout amounts by contribution period

【 Step 6 】 Comparison of Solution Improvement Effects

• Comparison of current gap vs. improvement effects before/after solution application

• Goal achievement scenarios by combination of asset addition, living expense reduction, and pension growth

【 Step 7 】 Integrated Inheritance & Gift Tax Solution

• Automatic calculation of progressive inheritance tax rates (1050%, reflecting deduction items)

• Gift tax calculation + reflection of 3% tax credit for filing (2024 revision)

• Pre-gifting vs. Inheritance Tax Comparison, Visualization of Tax-Saving Strategies

【 8 Steps 】 Comprehensive Result Report

• 1-Page Comprehensive Summary of Analysis Results from Previous Steps

• Save/Load by Client (Supports Multiple Client Profiles)

• Print-Optimized Layout (Print Immediately After Consultation)

━━━ Features ━━━

✅ Fully Offline Operation — All functions available without internet

✅ Data Stored on Device — Client information not transmitted to servers, no security concerns

✅ Save/Load Multiple Client Profiles

✅ Tablet-Optimized UI — Consultation possible while viewing the screen together with the client

✅ Reflects the latest Tax Laws and National Pension Act (Based on 20252026)

✅ Built-in Consultation Result Printing Function

━━━ Recommended for ━━━

👔 Certified Financial Planners (CFP) · Financial Planners · Insurance Planners

🏦 Bank Private Bankers · Securities Firm Wealth Management Managers

💼 Corporate Retirement Pension Consultants

👨‍💼 Wealthy individuals in their 40s and 50s planning their own retirement

─ The calculation results of this app are for reference only; actual Please check with the relevant agency regarding the amount received and tax amount.