스마트리치(가계부)

SmartRich is not just an app for recording today's expenses; it is a household ledger designed as a single, continuous strategy that extends from daily record-keeping to year-end tax settlement preparation and retirement fund simulation.

◆ Our Unique Differentiator: Includes Year-End Tax Settlement & Pension Strategies

Year-End Tax Settlement Preparation

By incorporating pension savings and IRP contributions, as well as ISA subscriptions and balances accumulated prior to using the app, into your settings, we have integrated a flow within the app to estimate tax deductions and refunds. (Actual filing is based on the National Tax Service and Hometax; the app is intended for preparation, organization, and getting a feel for the process.)

Pension and ISA Retirement Simulation

Based on monthly accumulations of pension savings, IRPs, and ISAs, the app simulates how your retirement funds grow through graphs showing accumulation trends, maturity, and goals. The key feature is that it allows you to see "how much your current contributions will amount to in retirement" right within the same app as your household ledger data. ◆ Strengths Built on Top: Deposits and Withdrawals Collected via Notifications

Collect bank and card notifications (after consent) to organize your monthly deposits and withdrawals, and use master account (integrated ledger) rules to align the flow of your main and sub-accounts.

◆ Daily Spending and Investments in the Same App

View your daily expenses and asset flow together through monthly spending history (fixed/variable), monthly investments and savings, and your wealth flow.

You can also send monthly PDF or Excel files if needed. (Planning for further modifications)

◆ Start Simple, Get Deeper as You Get Familiar

Expand your screen experience from Beginner → Intermediate (Year-end Tax Settlement, Lock, Loans, Housing, etc.) → Advanced (Retirement Simulation Tab, Retirement Assets, Date of Birth, etc.)

◆ Security & Consent

Notification collection is based on user consent, and access can be restricted via app lock (PIN/Biometric). Notice

Financial and tax decisions are for reference only. Please verify your identity and consult with a professional, such as a tax accountant, for your final decision.