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.
10M KRW
50M KRW
Comparison summary
The bar chart uses after-tax value plus modeled tax credits where applicable.
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
About Account Comparison Calculator
The Account Comparison Calculator is a free, browser-based tool that projects and compares after-tax outcomes across regular accounts, ISA variants, pension savings, and IRP using one shared contribution and return assumption. It runs entirely in your browser, so the figures you enter never leave your device.
It is for Korean savers and investors deciding which tax-advantaged account wrapper to use. You enter a single annual contribution, contribution years, expected annual return, domestic listed-equity allocation, gross salary, and age, and it estimates each account's after-tax value, tax, and tax savings on the same basis.
Use it when you want a quick side-by-side view of how regular, standard ISA, low-income ISA, National Growth ISA, Youth ISA, pension savings, and IRP wrappers might differ. Salary and age inputs also flag whether you fall within the low-income and youth reference ranges. All calculations happen instantly on the client with no sign-in.
Results are simplified, deterministic estimates for reference only. The tool applies basic exemption and separate-tax assumptions and does not model pension withdrawal tax, comprehensive financial-income taxation, or full statutory rules, so it is not financial, tax, or retirement advice.
Frequently asked questions
- Does this tool send my income and savings data anywhere?
- No. Every projection is computed locally in your browser, and the salary, contribution, and age values you type are never uploaded or stored on a server.
- Can I rely on these numbers for a real account decision?
- Treat them as a reference comparison only. The tax treatment is simplified and deterministic, so confirm details with your provider or a qualified tax or financial professional before acting.
- Which accounts does it compare?
- Regular accounts, standard ISA, low-income ISA, National Growth ISA, Youth ISA, pension savings, and IRP, all on the same contribution and return assumption.