연금나침반: 국민연금·IRP 인출 세금·건보료 계산기

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About this app

■ Pensions: There are so many ways to 'save,' but why does no one tell you how to 'withdraw'?

You have diligently saved for pension savings, IRPs, and ISAs.

However, did you know that the taxes you pay can vary by millions of won depending on which account you withdraw from first after age 55?

Pension Compass is the first pension tax simulator in Korea that focuses on the 'order of withdrawal.'

We find the path that minimizes taxes, even when withdrawing the same amount.

■ This is for those who:

· Plan withdrawals from Pension Savings, IRPs, or ISAs ahead of retirement

· Consider whether to transfer matured ISA funds to a pension account

· Are confused about the 15 million won threshold for pension income tax

· Are worried about facing a "tax bomb" due to pension withdrawals

■ Key Features

① Automatic Comparison of 4 Withdrawal Strategies

Filling the Low-Rate Limit / Prioritizing Tax-Exemption / Tax Deferral / Standard Method —

Simulates these four strategies over the entire period to identify the path with the lowest tax.

② Automatic Calculation of Tax Savings

Shows the amount and percentage of savings compared to standard withdrawal methods.

③ Annual Withdrawal Plan

Provides a detailed annual schedule showing how much to withdraw from which account at what age, and the amount of tax involved.

④ Reflection of Key Tax Laws

· Pension income tax rates by age (55–69 years: 5.5% / 70s: 4.4% / 80 years and older: 3.3%)

· Changes in taxation methods when private pensions exceed 15 million KRW per year

· Penalties for withdrawals exceeding the pension withdrawal limit (10-year rule)

· Retirement income tax reduction when receiving severance pay as a pension

· Calculation of compound interest growth on balances and taxation on investment returns

⑤ Serverless On-Device Calculation

The asset information you enter never leaves your mobile phone.

Use it immediately without signing up.

■ 3 Steps to Use

1. Enter your Pension Savings, IRP, or ISA balances, age, and annual target withdrawal amount

2. Touch the Optimization Simulation button

3. Check the optimal withdrawal order and tax savings

■ Notice

The simulation results in this app are estimates based on current tax laws, and

may differ from the actual taxes imposed depending on individual circumstances. This app is not an investment advisory or a recommendation for specific financial products.

Please consult with a professional, such as a tax accountant, before making any important decisions.

■ Inquiries

[e-mail]

What’s new

연금나침반 v1.3 업데이트

• 새로워진 앱 아이콘: 더 세련된 나침반 디자인으로 교체했습니다.
• 계획 성공 확률: 수익률이 매년 출렁이는 1,000개의 미래를 시뮬레이션해 내 인출 계획의 성공 확률(%)과 비관·중간·낙관 기말 잔액을 보여드립니다.
• 전략 비교표: 4가지 인출 전략의 세금 부담을 표로 비교합니다.
• 시나리오 저장·비교: "60세 은퇴 vs 63세 은퇴"처럼 조건을 저장해 나란히 비교하세요.
• 결과 이미지 공유, Android 16 대응 및 안정성 개선.