Account Comparison Calculator
Compare regular, ISA, pension savings, IRP, and scheduled account options with cautious after-tax projections.
Projection inputs
Use one annual contribution and return assumption to compare account wrappers on the same basis.
KRW
10M KRW
years
%
%
KRW
50M KRW
years old
Comparison summary
The bar chart uses after-tax value plus modeled tax credits where applicable.
Total contributions₩50,000,00050M KRW
Estimated gains₩5,256,3135.26M KRW
Highest reference valueIRPReference opinion only, not a personal recommendation.
Estimated tax advantage₩7,425,00015.4%7.42M KRW
Regular account
₩54,932,52454.93M KRW
Standard ISA
₩54,933,93854.93M KRW
Low-income ISA
₩55,131,93855.13M KRW
Pension savings
₩60,206,31360.21M KRW
IRP
₩62,681,31362.68M KRW
National Growth ISA
₩54,933,93854.93M KRW
Youth ISA
₩55,131,93855.13M KRW
Account detail
Tax treatment is simplified so the account wrappers can be compared at a glance.
| Account type | After-tax value | Estimated tax | Tax savings | Constraints |
|---|---|---|---|---|
| Regular account | ₩54,932,524 | ₩323,789 | ₩0 | No ISA exemption; taxable gains use the non-equity share as a simple assumption. |
| Standard ISA | ₩54,933,938 | ₩322,375 | ₩1,414 | Applies the basic ISA exemption and separate tax assumption. |
| Low-income ISA | ₩55,131,938 | ₩124,375 | ₩199,414 | Salary input is within the low-income ISA salary threshold. |
| Pension savings | ₩60,206,313 | ₩0 | ₩4,950,000 | Tax credit is added as a separate benefit; future pension withdrawal tax is not modeled. |
| IRP | ₩62,681,313 | ₩0 | ₩7,425,000 | IRP credit limit is modeled simply; investment and withdrawal restrictions are not fully modeled. |
| National Growth ISA | ₩54,933,938 | ₩322,375 | ₩1,414 | Scheduled or informational treatment; not final statutory advice. |
| Youth ISA | ₩55,131,938 | ₩124,375 | ₩199,414 | Age input is within the youth-style reference range. |
Notes and assumptions
The salary input is within the low-income ISA reference threshold.
The age input matches the youth-style informational range.
Reference date: 2026-04-29. This is a deterministic reference estimate and is not financial, tax, or retirement advice.