Golden Ratio for Tax Savings

"Saving tax is earning money." Complex financial products like Pension Savings, IRP, and ISA—we reveal the most efficient order and ratio for you.

Optimal Savings Ratio Simulation

내 상황에 맞는 최적의 저축 비율 시뮬레이션

연봉과 연간 저축 가능액을 입력하세요.

연간 총급여 (세전)50,000,000 KRW

KRW

5,000만원

연간 저축 목표액10,000,000 KRW

KRW

1,000만원

Estimated Annual Tax Credit

FAQTax-Efficient Investment Roadmap

공제율의 결정 (Determination of Credit Rate)

총급여액이 5,500만원(종합소득금액 4,500만원) 이하인 경우 16.5%, 초과하는 경우 13.2%의 세액공제율이 적용됩니다.

투자 순위 전략 (Priority Strategy)

연금저축과 IRP를 합산하여 연 900만원(연금저축 최대 600)까지 가장 먼저 채우는 것이 절세의 핵심입니다. 이후 ISA를 활용하여 비과세 혜택을 극대화합니다.

Source: Blog.Oiyo Financial Roadmap

Golden Ratio for Tax Savings

Pension Savings

Essential tax-saving account for everyone. Flexible withdrawals and ETF investments available.

Max 6M KRW Credit
Tax Deferral
Partial Withdrawal Available

IRP

Fill this after Pension Savings. Requires 30% safe assets.

Max 9M KRW Total Credit
Retirement Tax Savings
Mandatory Safe Assets

ISA

3-Year short-term goal. Tax-free up to 2M (4M for specific types) KRW profit.

Low Tax Rate (9.9%) on Excess
Loss Offsetting
10% Extra Credit on Pension Transfer

How should I start?

Putting everything into pension accounts isn't always best. Money is locked until age 55. Use ISA or General Accounts for mid-term goals like marriage or housing.