Einlagenzinsrechner — Zinseszins Berechnung
Berechnen Sie den Zinseszins Ihrer Ersparnisse und sehen Sie Ihren Endsaldo
This calculator is for reference only and may differ from actual amounts due to law changes or individual circumstances. Please consult a licensed professional (tax accountant, labor attorney, etc.) for accurate calculations.
Total Principal
₩43,000,000
Interest Earned
+₩7,187,872
Net at Maturity
₩50,187,872
비과세 적용
Breakdown
Youth Hope Account: Monthly up to ₩700,000, 5-year maturity, ~6% p.a. Tax-exempt. Gov. contribution added monthly based on income tier. Early withdrawal forfeits benefits.
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Frequently Asked Questions
Q. What is simple interest vs. compound interest?
Simple interest earns returns only on the principal. Compound interest earns returns on principal plus accumulated interest — it grows exponentially and is far more powerful over time.
Q. How often is interest compounded?
Most Korean savings accounts compound monthly. The more frequent the compounding, the higher the effective annual yield (APY). Annual vs. monthly compounding on the same rate can differ by 0.5–1%.
Q. What is APY vs. APR?
APR (Annual Percentage Rate) is the stated interest rate before compounding. APY (Annual Percentage Yield) reflects the actual return after compounding is applied. Always compare APY when choosing savings products.
Q. Does tax affect my savings return?
In Korea, interest income is subject to 15.4% withholding tax (14% income tax + 1.4% local tax) by default. Tax-exempt accounts (ISA, pension savings) allow you to avoid or defer this tax.
Q. Which is better: savings account or time deposit?
Time deposits (CDs) typically offer higher rates than regular savings accounts but lock funds for a fixed term. For short-term liquidity needs, high-yield savings accounts are more flexible.
Q. How should I calculate real returns after inflation?
Real return = nominal interest rate − inflation rate. If your savings account earns 3.5% and inflation is 3%, your real return is only 0.5%. This calculator shows pre-tax nominal returns.
How to Use
Input the amount you plan to deposit.
Enter the annual interest rate and deposit term (months or years).
Select daily, monthly, quarterly, or annual compounding.
Instantly see total interest earned, tax-adjusted take-home amount, and an interest growth chart.
Expert Knowledge: Savings Interest Calculator
The power of compound interest is the fundamental principle behind long-term wealth building. Albert Einstein reportedly called it the "eighth wonder of the world." The Rule of 72 offers a quick estimate: divide 72 by your interest rate to get the number of years needed to double your money (e.g., 72 ÷ 4% = 18 years). Understanding this relationship is the first step to meaningful financial planning.
In Korea, deposit interest income is subject to 15.4% withholding tax by default (14% income tax + 1.4% local tax). Individual Savings Accounts (ISA) allow tax-free accumulation of up to ₩40 million over 5 years, and pension savings accounts (IRP) provide income tax deductions of up to ₩9 million annually. Utilizing these tax-advantaged vehicles can meaningfully improve real returns.
With rising global interest rates post-2022, Korean time deposit rates climbed to 4–5%, making deposits more attractive than in the near-zero rate era of 2020–2021. However, if inflation remains above deposit rates, real purchasing power still declines. Diversifying across deposits, bonds, and dividend stocks is the standard approach to preserving and growing real wealth.
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