직장인 계산기: 부동산·연봉·실수령액

The Office Worker Calculator is a lifestyle calculation app that allows you to check everything in one place, starting with annual salary and net pay calculators, and extending to overtime pay, perceived hourly wage, savings goals, and real estate costs.

If you enter your annual salary at the top, you can use it as a common standard for calculating your salary, overtime pay, perceived hourly wage, savings rate, and mortgage burden.

Easily calculate how much your monthly salary will actually be,
how much your time is worth considering overtime and commuting,
which is less burdensome between Jeonse (lump-sum deposit lease) and monthly rent,
what your monthly repayment amount and DSR reference value would be if you took out a mortgage, and
how much cash is needed in addition to the purchase price when buying a house.

[Key Features]

- Annual Salary & Net Pay Calculation

Based on your pre-tax annual salary, non-taxable income, number of dependents, and number of children, you can check your National Pension, Health Insurance, Long-term Care Insurance, Employment Insurance, Earned Income Tax, Local Income Tax, and monthly/annual net pay.

- Calculate Overtime Pay

Calculates hourly overtime and holiday pay based on annual salary, monthly overtime pay, pre-tax additional allowances, and estimated after-tax monthly salary.

- Calculate Perceived Hourly Wage

Checks actual hourly wages, company share, and perceived annual salary efficiency by reflecting standard working hours, night work, commuting, remote work, and sleep time.

- Calculate Savings Goal

Enter your target amount, current savings, and monthly savings to see the remaining amount to reach your goal, the estimated timeframe, and the savings rate relative to your pre-tax/post-tax monthly salary.

- Calculate Real Estate Loan Burden

Enter real estate prices, estimated mortgage loan amounts, and interest rates to calculate estimated monthly repayments, annual principal and interest repayments, estimated DSR reference values, LTV reference values, and the loan-to-annual salary multiplier.

- Compare Mortgage Loan Repayments

Compares monthly repayments, total interest, and interest rate fluctuation scenarios for equal principal and interest, equal principal, and lump-sum repayment at maturity, based on the loan amount, interest rate, term, and repayment method.

- Comparison of Jeonse and Monthly Rent Burdens

Compares the converted monthly costs of Jeonse and monthly rent, as well as the burden ratio relative to monthly salary, based on Jeonse deposits, Jeonse loans, monthly rent deposits, monthly rent, and Jeonse-to-monthly rent conversion rates.

- Calculation of Total Home Purchase Costs

Calculates the total cash required, including necessary equity, reference values ​​for acquisition tax and brokerage fees, other expenses, and reserve cash, based on the purchase price, estimated loan amount, number of homes owned, whether the property is located in a designated adjustment area, and area conditions.

- Reference for LTV Loan Limits

Calculates the reference loan amount and monthly repayment burden by subtracting reference amounts for senior liens, lease deposits, and small lease deposits, based on the collateral appraisal value and applicable LTV.

- Real Estate Area Conversion

Quickly compares real estate areas by converting units to square meters, pyeong, and square feet.

[Recommended for]

- New employees curious about their net pay for their first paycheck

- Those who want to compare terms before changing jobs or negotiating a salary

- Those who want to assess the value of their time, including overtime, holiday work, and commuting time

- Those who want to know the time required to reach their savings goal and the monthly savings burden

- Those who want to calculate their monthly mortgage repayment amount and the burden relative to their annual salary in advance

- Those who want to compare Jeonse (lump-sum deposit lease) and monthly rent conditions based on monthly costs

- Those who want to check acquisition tax, brokerage fees, and required cash together before purchasing a home

[Note]

The calculation results are for reference only, based on input values ​​and app standards.

Taxes, social insurance premiums, real estate taxes, loan repayment burdens, DSR, LTV, and loan eligibility may vary depending on actual regulations, regions, and financial institution screening criteria.

Please verify with relevant agencies, financial institutions, or experts before entering into important contracts or making financial decisions.