Ordinary account
Ordinary tax = investment profit × 15.4%
ISA (Savings Account) Calculator
Strategic Tax Optimization
Calculate the tax benefits of ISA vs. general investment accounts.
General Tax (15.4%)
₩1,540,000
Saved Amount
₩748,000
ISA 계좌를 이용하면 이만큼의 수익을 더 지킬 수 있습니다.
Korea's ISA can change the after-tax result of investment income
This calculator compares ordinary account taxation at 15.4% with Korea ISA tax-free limits and 9.9% separate taxation on excess profit. It shows estimated tax and savings for general and lower-income/farmer categories.
Calculation rules
ISA tax
ISA tax = max(0, profit - tax-free limit) × 9.9%
Tax saving
Saving = ordinary account tax - ISA tax
How to use
- Enter your expected investment profit.
- Choose the general or lower-income/farmer ISA category.
- Compare ordinary tax, ISA tax, and estimated tax saving.
Frequently asked questions
Which country's ISA is this?
This page is about Korea's Individual Savings Account. It is not the same as the UK ISA or other national schemes.
How are tax-free limits applied?
The tool treats ₩2 million as tax-free for the general type and ₩4 million for the lower-income/farmer type, then applies 9.9% to the excess.
Does this match every real ISA case?
No. Eligibility, contribution limits, mandatory holding period, and product tax rules must be checked against current Korean guidance.
This tool is for general calculation. Confirm official ISA tax benefits and eligibility with the relevant tax authority or financial institution.