마이포폴 - 연금·ISA 적립 투자 계산기

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About this app

If you had saved the same amount every month for N years, how much would be accumulated in your account now? MyPopol is a Korean-style installment investment simulator that shows you the answer in advance based on 'after-tax' figures.

Unlike common compound interest and retirement calculators that only display pre-tax returns, MyPopol designs the actual amount you will receive by reflecting taxes specific to each account type.

See for yourself in numbers how the after-tax results for the same stock can vary significantly depending on whether you invest in a pension savings account, an ISA, or a general account. It is a simulation tool designed to visualize your investment beforehand, without actual trading or brokerage functions.

■ An Investment Simulator Based on After-Tax

Most stock calculators and compound interest calculators only display pre-tax figures. MyPopol calculates the estimated after-tax amount as the default value by reflecting ISA tax-free limits and separate taxation, pension savings tax credits and pension income tax, and general accounts' dividend income tax and capital gains tax. Instead of vague pre-tax returns, you can compare based on the actual money remaining after taxes, allowing you to set up retirement preparations and plans much more realistically.

■ What If You Bought Then? Backtesting Past Data

"How much would it be now if I had started making monthly contributions back then?" We review past results based on assumptions regarding historical market prices. You can directly search for desired stocks and add them to your portfolio, ranging from U.S. stock indices like the S&P 500 and Nasdaq 100 to domestic and international ETFs, dividend stocks, and fund-type products. Simply enter the monthly contribution amount and period to check the accumulated results that would have been built up over that time all at once.

■ Designing a Portfolio Starting with a Goal

If you select a goal, such as U.S. growth, stable dividends, or all-weather diversification, we suggest example asset allocation compositions for reference. You can freely adjust the stocks and weights, and compare how the compounding effect grows by changing the monthly contribution amount and period. Beginners can start immediately by simply selecting a goal, while experienced users can fine-tune their stocks and weights.

■ Finding Tax-Saving Strategies by Comparing Tax Benefits by Account

Even with the same investment portfolio and monthly contributions, after-tax returns vary depending on whether you invest in a Pension Savings, ISA, or General Account. Compare the strengths of Pension Savings, which offers year-end tax deductions, and ISA, which provides significant benefits such as tax exemption and separate taxation, all on the same screen. By placing the three accounts side-by-side, you can find your own strategy to manage both retirement preparation and tax savings.

■ Saving to Archive and Comparing Side-by-Side

Save multiple investment plans and compare the portfolios, weights, and after-tax results of two plans at a glance. You can share results you like via a shared card, and browse and like examples of plans shared by other users in the Browse section. Saved plans can be reopened at any time to modify or recalculate based on new assumptions.

This app is ideal for:

- Those looking to start preparing for retirement and building assets through pension savings or ISAs

- Those curious about the long-term compounding effects of monthly ETF investments

- Those who want to gauge after-tax returns on investments in US stocks, the S&P 500, the NASDAQ 100, and dividend stocks

- Those who want to visualize their investment and asset allocation plans in numbers

With MyPopol, you can set up regular investment plans, compare after-tax results, and refine your retirement strategies.

※ MyPopol is a simulation tool with no actual trading or brokerage functions. All rates of return and amounts are based on assumptions of long-term CAGR and are examples derived from historical data; they do not predict or guarantee future returns. This app is intended for informational and educational purposes only and does not constitute investment advice, solicitation, or the sale of financial products. All investment decisions and responsibilities lie solely with the user.

It can also be searched like this:

Installment investment calculator, monthly installment compound interest calculator, pension savings tax deduction calculator, ISA account tax saving comparison, retirement calculator, old-age fund calculator, ETF installment backtest, S&P 500/NASDAQ 100 monthly installment return calculation, dividend stock installment simulation, wealth management asset allocation design.

Unlike common stock calculators that only show pre-tax figures, it reflects taxes per account to provide after-tax comparisons. It is a simulation and educational tool with no actual trading or brokerage functions.

What’s new

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