은퇴월급: 배당·연금 현금흐름 달력 & 세금 경보

골목공작소

Contains ads

About this app

■ How much money will be deposited into my account next month?

You have accumulated dividend stocks and contributed to pension savings and IRPs, yet nowhere can you see at a glance "how much your retirement salary will be next month."

This is because stock apps only show dividends, and pension apps only show pensions.

Retirement Salary is an app that combines dividends from your holdings and pension withdrawal plans into one,

and displays your monthly retirement cash flow on a calendar.

■ This app is for:

· Those planning a retirement salary with dividends + pensions

· Those curious about the actual amount of money (after tax) coming in each month

· Those worried about the threshold of 20 million won for comprehensive financial income tax or 15 million won for pensions

· Those who find account-linking apps burdensome

■ Key Features

① Retirement Salary Calendar

It aggregates dividends (confirmed + estimated) from your holdings and pension withdrawal plans to show

"Net income of ○○○ million won this month" on an after-tax basis.

It also provides a summary of the total estimated dividends for this year.

② Tax Threshold Alert Gauge

A gauge warns you of how close your annual cumulative total is to the tax threshold.

· Comprehensive Financial Income Tax: 20 million KRW

· Private Pension Low-Rate Taxation Limit: 15 million KRW (If exceeded, the entire amount is converted to 16.5%)

· Health Insurance Dependent Income Criteria (For reference)

③ Automatic Calculation of Net After-Tax Receipt

Calculated by reflecting the 15.4% withholding tax on dividend income, age-specific pension income tax (5.5%–3.3%), and the conversion to 16.5% when exceeding 15 million KRW.

④ No Account Linking, Your Information Stays Only on Your Phone

There is no membership registration or account linking required. Simply enter your stocks and balances directly, and you're done.

The asset information you enter never leaves your mobile phone. ■ How to Use in 3 Minutes

1. Enter holdings, quantities, pension balance, and monthly withdrawal plan

2. Check monthly retirement income on the calendar

3. Check tax thresholds on the gauge

■ Notice

The cash flow and tax calculations in this app are estimates based on current tax laws, and

dividend payment timing is an estimate and may differ from the actual figures.

This app is not investment or tax advice; please consult with a professional, such as a tax accountant, before making any important decisions.

■ Recommended Apps

If you want to optimize your pension withdrawal order,

search for 'Pension Compass' on Google Play.

■ Inquiries

[e-mail]

What’s new

이번 업데이트로 배당 달력이 훨씬 정확해졌습니다.

• 월배당·분기배당 ETF의 지급월을 정확히 계산해, 매월 배당이 빠짐없이 표시됩니다
• '인출 시작 시점'을 설정해 은퇴(인출) 개시 이후부터의 월급을 미리 확인할 수 있습니다
• 같은 종목을 일반·ISA·연금 계좌에 나눠 담을 수 있습니다
• 종목 삭제 버튼을 추가해 관리가 편해졌습니다
• 금액을 소수점까지 표시해 배당액을 더 정확히 볼 수 있습니다
• '월급 달력'으로 화면 이름을 명확히 했습니다
• 최신 안드로이드 환경에 맞춰 안정성을 개선했습니다