카드를 얼마나 써야 소득공제를 받나요?

총급여의 25%를 초과해 써야 그 초과분부터 공제가 시작됩니다. 예를 들어 총급여 5,000만원이면 최저사용금액은 1,250만원이고, 이를 넘긴 금액에 대해서만 결제수단별 공제율(신용 15%, 체크·현금 30%, 전통시장·대중교통 40%)이 적용됩니다.

신용카드 대신 체크카드를 언제부터 써야 이득인가요?

총급여 25% 문턱을 넘기 전까지는 어떤 카드든 공제가 0이므로 혜택 좋은 신용카드를 쓰고, 문턱을 넘은 뒤부터는 공제율이 2배인 체크카드·현금영수증(30%)이나 전통시장·대중교통(40%)으로 바꾸는 것이 유리합니다.

Year-End Tax Card Deduction Optimizer

Enter your salary and spending so far. The tool reverse-engineers the 25% threshold and limits to show how much more to spend on credit vs. check/cash/market cards for the maximum deduction.

💰 Gross salary

Gross salary (annual)

×10K KRW

Gross salary excluding non-taxable pay. e.g. 5,000

Minimum-use threshold: 1,250만원 · 25% of gross salary. Deduction starts only above this.

💳 Spending so far

Credit card

×10K KRW

Check card / cash receipt

×10K KRW

Traditional market

×10K KRW

Public transit

×10K KRW

Books / performances / film

×10K KRW

Deductible only if salary ≤ 70M KRW

🎯 Expected remaining spending (optional)

Months remaining

Expected monthly card spend

×10K KRW

📊 Deduction result

Total spending so far: 1,560만원Above threshold

Minimum-use threshold 1,250만원

Estimated income deduction

106만원

1,060,000원

Estimated tax saved (approx.)

17만원

174,900원

Base limit (credit / check / cash)45만원 / 300만원 deducted

Extra limit (market / transit / culture)61만원 / 300만원 deducted

🧭You're above the threshold! From now on, check/cash (30%) and market/transit (40%) beat credit (15%). Spend up to 598만원 more on market/transit and up to 850만원 more on check/cash to increase your deduction.

🎯 Optimal allocation for the rest of the year

Months remaining × monthly spend = 300만원

Deduction so far

106만원

All remaining budget on credit

159만원

With optimal allocation

226만원

+68만원 more deduction just by switching cards

Recommended allocation of extra spending

💳 Credit card0만원
🏦 Check / cash0만원
🛒 Market / transit300만원

※ Fill the threshold with credit, then the excess with higher-rate methods (40% → 30%).

Basis & sources

📖 Basis: Restriction of Special Taxation Act Art. 126-2 (credit-card usage deduction)
📊 Rates: credit 15% / check·cash 30% / market·transit 40% / culture 30%
📏 Limits: salary ≤ 70M: base 300 + extra 300 (×10K KRW) / > 70M: base 250 + extra 200
🏛️ Verify officially: NTS Hometax year-end tax preview
🗓️ Base year: 2025 filing (2024 income) · Verified 2026-07-06

※ Simplified reference estimate. Some items (e.g. consumption-increase extra deduction) are excluded; confirm actual figures at NTS Hometax.

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계산 방법 상세는 Guide , 자주 묻는 질문은 FAQ , 데이터 출처·운영 정보는 About 참조. 마지막 업데이트 2026-07-06.