Military Discharge Lump Sum Calculator
Enter your enlistment date and branch to see cumulative conscript pay plus Soldier Tomorrow Savings (100% government match) at discharge.
📅 Baseline year 2026
Conscript pay, deposit caps, matching rates, and interest rates change every year. This calculator uses the 2026 tables — confirm actual amounts with MMA, MND, the Narasarang portal, and your bank.
🎖️ Service Details
💰 Soldier Tomorrow Savings
Cap 550,000 / bank 300,000
Months until account opened
Bank base ~5% + preferential. The 1% state interest subsidy is added automatically.
⚠️ Points to check
- · 550,000원 per month exceeds the 300,000 KRW single-bank cap. You need 2 banks to deposit the full amount.
📊 Discharge Lump Sum
Estimated lump sum at discharge
3,047만원
Cumulative pay + savings maturity
30,470,250원
Discharge date
2027-09-01
Service length
Army · 1년 6개월
Lump sum breakdown
- Cumulative pay
- 2,010만원
- Savings maturity
- 2,027만원
- Monthly average
- 169.3만원
- If terminated early
- 2,014만원
🏛️ The match is paid by the Ministry of National Defense, not the bank
The 100% government match is paid separately by MND in the month after maturity (expected 2027-10). It does not arrive from the bank on the maturity date, and payouts have been delayed in the past.
✂️ Early termination forfeits the entire match
Terminating before maturity removes the full government match and applies only the early-termination rate: 2,027만원 drops to 994만원.
🏦 Two banks are needed for the full 550,000 KRW
Each bank caps the monthly deposit at 300,000 KRW, so filling the 550,000 KRW personal cap requires splitting across two different banks.
📌 The "30 million KRW" figure is not savings alone
The commonly cited ~30M KRW discharge lump sum is cumulative pay plus savings maturity, assuming none of the pay was spent. Real balances are lower by whatever was spent on living costs.
📅 Monthly Pay & Savings
| Month | Period | Rank | Pay | Deposit | Cum. pay | Cum. deposit |
|---|---|---|---|---|---|---|
| 1 | 2026-03 | Private | 75만원 | 55.0만원 | 75만원 | 55만원 |
| 2 | 2026-04 | Private | 75만원 | 55.0만원 | 150만원 | 110만원 |
| 3 | 2026-05 | PFC | 90만원 | 55.0만원 | 240만원 | 165만원 |
| 4 | 2026-06 | PFC | 90만원 | 55.0만원 | 330만원 | 220만원 |
| 5 | 2026-07 | PFC | 90만원 | 55.0만원 | 420만원 | 275만원 |
| 6 | 2026-08 | PFC | 90만원 | 55.0만원 | 510만원 | 330만원 |
🏦 Compare savings rates by bank
The 16 participating banks offer different base and preferential rates. Compare on the Korea Federation of Banks portal before picking two.
Data sources
- 💵 Conscript pay: MND military remuneration regulation, annual pay table (2026 baseline)
- 🎖️ Service length: Military Service Act art. 18 — Army/Marines 18, Navy 20, Air Force/social 21 months
- ⬆️ Promotion: Military Personnel Management Act rules — Private 2 → PFC 6 → Corporal 6 → Sergeant
- 🏦 Savings: MND/MMA Soldier Tomorrow Savings (100% match, 1% state interest)
- 📈 Rates: Korea Federation of Banks consumer portal
※ All figures are reference estimates. Confirm actual amounts and conditions with MMA, MND, the Narasarang portal, and your bank.
Related pages · bal.pe.kr tools
Details on savings and matching: Guide, FAQ: FAQ, sources: About. Last updated 2026-07-12.