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

Enter your salary and savings goal.

Annual Salary (Pre-tax)50,000,000

* ≤ 55M KRW: 16.5% Credit / > 55M KRW: 13.2% Credit

Annual Savings Goal10,000,000

💡 Estimated Tax Refund

Golden Ratio Portfolio Proposal

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.

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