Finance calculators

How to pick a wealth-building tool

Every finance calculator here shares one purpose: building wealth as a Korean resident. If you're in the saving phase, the compound and simple calculators show the difference monthly contributions make; if you're investing, Stock DCA, dividends, and backtesting chart the long-run results of ETF accumulation and dividend reinvestment. If you're dealing with debt, the loan repayment calculator compares equal-payment and equal-principal methods; if you're planning retirement, the FIRE calculator checks your target nest egg and the date you'd reach it.

Choosing a tool is straightforward — start from 'what do I want to do with my money right now?' Pick the tool that fits your situation among saving, investing, repaying, and retiring, then add tax tools like ISA, year-end tax settlement, capital gains, or dividend vs. self-dividend if you're curious about tax savings. Because the same inputs can diverge sharply between pre-tax, after-tax, and real value, it's more accurate to carry your numbers into related tools rather than stopping at just one.

In Korea, what ultimately decides your wealth-building outcome is tax. Deposit interest is taxed at 15.4%, overseas ETF gains at 22% (after a 2.5M KRW deduction), US ETF distributions face 15% withholding, and ISA and pension savings accounts can cut part of that through tax-free or separate taxation. The calculators here apply these Korean tax rules by default and show inflation alongside, helping you judge by what you actually keep rather than nominal returns. All figures are for reference; your actual tax depends on individual circumstances.