After-tax total
Taxable products apply an estimated 15.4% interest-income tax.
Savings calculator
Savings Product Comparison — After-tax Returns Compared
Compare fixed deposits, installment savings, ISA, and high-yield savings accounts by after-tax returns (15.4% interest tax applied).
Savings Product Comparison
Product Rates (%)
Fixed Deposit
Lump-sum deposit
%
Installment Savings
Monthly savings
%
ISA (tax-exempt portion)
Up to ₩20M/yr, 3yr lock-in
%
High-yield Savings
Flexible in/out
%
Enter details and compare
* 이자소득세 15.4% 적용 기준. ISA는 비과세 한도(200만~400만원) 이내 가정. 실제 금리는 시장 상황에 따라 변동됩니다.
What is the savings comparison calculator?
Compare fixed deposits, installment savings, ISA-style accounts, and high-yield savings using the same monthly amount and term. The page shows gross interest, estimated tax, and after-tax total so you can evaluate the amount you actually keep, not only the headline rate.
How to use
- 1 Enter your monthly savings amount and term.
- 2 Adjust each product's expected annual rate to match the offer you are reviewing.
- 3 Run the comparison to see gross interest, tax, and after-tax total.
- 4 Before signing up, check tax exemption limits, early-withdrawal rules, deposit protection, and liquidity.
Comparison basis
Product assumptions
Fixed deposits use a lump-sum principal; other products assume monthly contributions.
Editable rates
Change rates to match real offers from banks or brokerages.
FAQ
Why compare after-tax totals?+
The useful amount is what remains after tax and product constraints. A higher headline rate may not mean a better net outcome.
Is ISA always treated as tax-exempt?+
For simple comparison, this page assumes the amount is within the tax-exempt limit. Actual eligibility depends on account type and current rules.
Why are deposits and installment savings calculated differently?+
A fixed deposit assumes a lump-sum principal, while installment savings are paid monthly, so interest accrual differs even at the same annual rate.
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This is not financial advice. Confirm actual rates, taxes, tax-exempt limits, early-withdrawal rates, promotional conditions, and deposit protection with the provider's official terms.