Personal Rehabilitation Calculator
Calculate monthly repayment and total 36-month repayment under Korean court-based personal rehabilitation standards from total debt, income, and household size.
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.
Monthly Payment
β
Total Repayment (36mo)
β
Est. Exempt Amount
β
Monthly Disposable Income
β
Notice: This calculator is for reference only based on 2026 Korean court standards. Actual personal rehabilitation requires court approval. We strongly recommend consulting a licensed attorney or legal aid organization.
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How to read the Personal Rehabilitation Calculator result
Personal Rehabilitation Calculator is most useful when it is treated as a quick decision aid, not as a standalone answer. Enter clean inputs, compare the result with a related tool, and keep the final decision tied to the real context behind the numbers or text.
Check the input first
A small typo, wrong unit, or missing condition can change the Personal Rehabilitation Calculator output. Recheck the input before copying, saving, or sharing the result.
Compare one related signal
Use another MillionsCode tool or hub to confirm the same decision from a different angle. This reduces mistakes when the result affects money, health, publishing, or planning.
Keep the result reusable
If the result is something you will revisit, copy it into your notes with the date and the assumption you used. A saved result without its assumption is easy to misread later.
Use guides for edge cases
When the result feels close to a limit, read the related guide before acting. Calculators and browser tools are fast, but rules, fees, policies, and personal conditions can change the final answer.
Before you act on the result
Use this short checklist before treating the Personal Rehabilitation Calculator result as final. It helps separate a quick browser calculation from a real decision that may affect money, publishing, travel, health, study, or work.
Is the result sensitive to one input?
If one value can change the answer heavily, run the tool twice with a conservative and an optimistic assumption. The difference between those two results is often more useful than a single exact number.
Does the result need a date?
Many decisions depend on the date of the calculation. Exchange rates, search demand, platform rules, fees, and personal conditions move over time, so save the date with the result when you plan to reuse it.
Can another tool confirm it?
When the result leads to a real action, open one related tool or guide and check whether the same direction still makes sense. This is especially important for finance, SEO, crypto, tax, health, and publishing decisions.
Is there a policy or local rule behind it?
A browser tool cannot know every local rule, bank condition, platform limit, or personal exception. If the result is close to a threshold, read the related guide before making the final call.
A practical next step
After using Personal Rehabilitation Calculator, write down the input, the output, and the action you are considering. If the action still looks useful after a second check, move to the related hub or guide and compare the broader context before you commit.
Frequently Asked Questions
Q. Who qualifies for personal rehabilitation?
Anyone with unsecured debt under β©500M (β©1B if secured) and a regular income can apply. You do not need to be in default β financial distress is sufficient.
Q. How long does the repayment period last?
Typically 3 years (36 months), extendable to 5 years by court order. After faithfully completing payments, remaining debt is fully discharged.
Q. Can I work or acquire assets during rehabilitation?
Yes. However, if income increases, monthly payments may be raised. Inheritances or other asset gains may also need to be applied to repayment.
Q. What is the difference between personal rehabilitation and bankruptcy?
Rehabilitation requires repaying a portion over 3β5 years with the remainder discharged. Bankruptcy liquidates assets to settle debts immediately. Stable income makes rehabilitation preferable.
Q. What are the application requirements?
Regular income plus total debt not exceeding β©1B unsecured / β©1.5B secured. You do not need to have missed payments yet.
Q. How is the monthly repayment amount determined?
Disposable income = monthly income β minimum living expenses (by household size). Courts require 100% of disposable income as monthly repayment.
How to Use
Sum all liabilities including credit card loans, bank loans, and private debt.
Input gross monthly income and the number of household members for living-cost deduction.
Enter total assets including deposits, real estate, and vehicles to determine the liquidation value threshold.
Monthly repayment, 36-month total, and estimated dischargeable amount are calculated automatically.
Expert Knowledge: Personal Rehabilitation Calculator
Personal rehabilitation (κ°μΈνμ) allows individuals overwhelmed by debt to repay a court-approved portion over 3β5 years with the remainder discharged under the Debtor Rehabilitation and Bankruptcy Act.
Monthly repayment is based on "disposable income" = monthly income minus minimum living expenses (set by household size). Courts require 100% of disposable income as the monthly payment, making accurate living-expense calculation critical. The 2026 minimum living standard for a single-person household is approximately β©1.39M.
The liquidation-value guarantee principle requires total repayments to exceed total current assets. In other words: 36-month total payment β₯ net asset value. Consult a licensed judicial scrivener or attorney before applying to confirm eligibility.
The choice between personal rehabilitation and personal bankruptcy hinges on income stability. Regular earners benefit from rehabilitation β partially repaying then receiving discharge preserves credit recovery prospects. Those with no or minimal income should consider personal bankruptcy and discharge, which eliminates all debts simultaneously. Both processes involve court fees and typically take 4β8 months to receive court approval.
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