税后总额
应税产品按 15.4% 利息所得税估算。
储蓄计算工具
储蓄商品比较计算机 — 税后收益比较
比较定存、定期储蓄、ISA和活期储蓄的税后收益（利息所得税15.4%）。
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.
什么是储蓄商品比较计算机？
在相同月存金额和期限下，比较定存、定期储蓄、ISA 类账户和活期高息账户的税前利息、税额和税后总额。它帮助你看实际到手金额，而不只看标称利率。
使用方法
- 1 输入每月储蓄金额和期限。
- 2 按当前产品条件修改各商品预期年利率。
- 3 点击比较查看税前利息、税费和税后总额。
- 4 开户前请确认免税额度、提前支取规则、存款保护和流动性。
比较标准
商品假设
定存按一次性本金，其它商品按每月存入计算。
可编辑利率
可按银行或券商实际利率调整。
常见问题
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.
相关计算器
这不是金融建议。实际利率、税费、免税额度、提前支取利率、优惠条件和存款保护请以官方条款为准。