은퇴준비자금 계산기(통합은퇴설계 솔루션)

블랙티거

About this app

We provide customized solutions by individually applying retirement funds to individuals and corporations.

🏠 Asset Identification → 💰 GAP Diagnosis → 🛡️ Pension Securing → 📈 Cash Flow Verification → 📋 Optimization Strategy

Integrated Retirement Planning Solution — 4 Core Values

① Asset Status Analysis · Retirement Gap Diagnosis

We analyze asset allocation and liquidity structures by comprehensively covering residential housing, investment properties, stocks, cash equivalents, pensions, and liabilities, and precisely calculate the funding gap (Gap) relative to life expectancy and target living expenses.

→ Asset Status · Retirement Diagnosis Tab

② Time-Series Based Asset Depletion Simulation

We visualize annual asset flows and depletion timing from retirement to life expectancy using A/B/C scenarios (Basic, Stable, and Growth), allowing clients to visually confirm the lifespan of their assets. → Cash Flow Tab

③ Tax Optimization & Pension Strategy by Life Cycle
We examine post-retirement fixed cost risks together, including determining the articles of incorporation limits for executive retirement income tax and comparing tax burdens, maximizing tax-saving accounts for IRP and ISA, and determining eligibility for health insurance dependents under private pensions.

→ Tax-Saving Accounts & Pension Tax Tab

④ Inheritance & Gift Plan · Immediate Report
We diagnose the risks associated with assets heavily concentrated in real estate, precisely calculate estimated inheritance and gift taxes, and immediately provide a professional report in PDF format containing a plan for securing payment funds, a consultation summary comment, and executive/CEO plans (reasons/methods for retirement income tax, deductible expenses, IRP, CEO plans, and corporate insurance enrollment).

→ Inheritance & Gift · Consultation Results · Executive/CEO Tab

Reducing the time spent preparing fragmented materials and increasing customer retention time and the probability of closing through intuitive data visualization — that is the goal of this integrated solution.

** 📋 Key Features by Tab

Asset Status: Analysis of Real Estate vs. Financial Asset Proportion and Liquidity

Retirement Diagnosis: Diagnosis of Income Gap Based on Retirement Age and Living Expenses

National Pension: Prediction of Benefits Reflecting the 2026 Reform Plan, Comparison of Early vs. Deferred Retirement

Government Employees Pension: Calculation of Benefits for Government Employees, Private School Teachers, and Military Personnel Pensions

Tax-Saving Account: Simulation of Tax Deductions for ISA, Pension Savings, and IRP

Cash Flow: Comparison of Asset Depletion Points and Scenarios

Pension Tax: Diagnosis of Taxes on Personal Pensions Exceeding 15 Million Won and Health Insurance Dependents

Inheritance & Gift: Optimization of Pre-Gifts in 10-Year Terms and Spouse Deductions

Executives & CEO: Derivation of Optimal Retirement Plans for Corporate Executives

Consultation Results: Integrated Report of All Results, PDF, and Clipboard Output

⚡ How to Master in 3 Seconds

1. Check Tax Law Year — The 2026 standard is automatically applied in the ⚙️ Tax Law Settings at the top right.

2. Enter Basic Information — Once you enter your age, assets, and pension information, it will automatically link to all tabs.

3. Utilize Consultation Hints — By looking at the 💬 consultation hints at the top of each tab, you can brief clients like an expert.

⚡ Practical Consultation Scenarios ⚡ Turning "What You Know" into "Your Own" — 1:1 Retirement Planning Diagnostic Consultation

Introduction

— Information is overflowing, so why does my bank account remain the same?

Information is overflowing on YouTube and Google.

Everyone has seen the news that SK Hynix and Samsung Electronics memory semiconductors are rising.

But how many people actually bought those stocks or ETFs and made a profit?

Retirement preparation is no different.

"Whether it is better to receive your pension early or late," "I heard tax-saving accounts are good," "I heard you should sign up for tax-exempt products"

— You already know all the methods. It is not that you are unprepared because you do not know the methods.

It is because there was no one to translate those numbers into "numbers that fit your situation."

Anyone can become wealthy if they save 10 million won every month, or if they generate a 50% return every month for 10 years, even if they save just 100,000 won.

— It’s easy to say. The question is whether those numbers are achievable for you.

This proposal is about helping you create that very "your number."

What makes this consultation different: Not "general principles," but "your individual number."

*Common Information (YouTube · News)

"It is advantageous to receive your pension late."

"Utilize tax-saving accounts."

"I need 1 billion won for retirement."

*This Consultation (This App)

Based on your life expectancy and income, we calculate the break-even point to determine at what age receiving the pension is most advantageous in terms of total payout and after-tax income. We present the scale of tax deductions and the target fund amount based on your income and tax rate.

We determine the surplus or deficit amount based on your current assets at the time of retirement.

General principles are "someone else's story." This consultation is a report tailored exclusively for you, calculated based on your asset, pension, and tax data.

5 Steps of the Consultation — What Will You Receive?

Step 1 · Reality Check — The True State of Your Assets

We gather your current real estate, financial assets, and pensions on a single screen to assess your current asset composition. Instead of vaguely thinking, "It seems like too much / it seems like not enough," you face the reality with concrete numbers.

Step 2 · Diagnosis of Surplus or Deficit — How Much Will You Have or Is Short by Retirement?

Based on your current assets, we determine the surplus or deficit in assets at the time of retirement. We clearly show you exactly how much is needed if there is a deficit, and how much leeway you have if there is sufficient funds.

Step 3 · Solution Proposal — How to Fill the Shortfall

We present specific supplementary and management plans for the shortfall, such as tax-saving and tax-exempt products. This is not a vague recommendation, but a plan designed to cover the deficit identified in Step 2. Step 4 · Optimal Timing for Public Pension Receipt — Early vs. Deferred

We analyze the advantages and disadvantages of early versus deferred receipt for the National Pension, occupational pensions (civil servants, military, etc.), and Private School Teachers Pension. We present the break-even point to determine "at what age it is most advantageous for you to start receiving payments."

Step 5 · Quantifying Tax Saving Benefits

We convert the scale of tax credits for tax-saving products and your target funds into monetary values. We show you not just "you will save on taxes," but "how much tax is saved annually, and how much that money will become in your retirement."

So, why should you receive a consultation using "this app"? (No. 6 — Key Proposal)

Steps 1 through 5 above covered "what" we do for you.

Below is "why you must use this specific tool."

① Answers provided immediately on the spot

This is not a method where we receive data and reply a few days later. When you input your numbers during the consultation, the diagnosis results and report are generated instantly. If you change the assumptions you are curious about, the results change on the spot.

② We turn "Information" into "Action Plans"

The outcome of this consultation includes "One thing to do today" and an action plan. It is a mechanism designed to directly resolve the concern you shared—"I knew it, but I couldn't put it into practice." We don't stop at just knowing; we put the first step into your hands.

③ Unifying Scattered Things into One — Integrated Retirement Planning

We integrate areas typically discussed separately—assets, the National Pension, occupational pensions, taxes, and inheritance and gifting—into a single flow. We prevent situations where answers that were correct individually become inconsistent when combined.

④ Conclusion First, Evidence Last — A Readable Report

We deliver an Answer-First report that places the question "So, what is the conclusion?" at the very beginning. It is not a pile of technical jargon, but a document that you can understand at a glance and share with your family. ⑤ Verified Calculations, Reliable Numbers

We manage our formulas to reflect annual changes in regulations, such as the National Pension cap and tax rates. We do not provide "rough estimates," but rather speak with figures backed by evidence.

In Conclusion

You already know more than enough.

What was lacking was not knowledge, but a single summary that translates that knowledge into "your own numbers" and connects it to "first action."

Today's 30-minute diagnostic consultation will transform your retirement account more than a year of watching semiconductor stock news.

Would you like to start with your own numbers now?

What’s new

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