ISA Tax-Saving Comparison Calculator
Enter your annual contribution, expected return, and holding period to compare the tax, net amount, and tax saved across a regular account (15.4%) and three ISA types.
⚠️ 참고용 안내 — 이 계산기는 참고용 정보 제공 목적이며 세무·투자 자문이 아닙니다. 실제 세금은 금융소득 합산·종합과세 대상 여부, 납입 시점, 운용 방식에 따라 달라집니다. 국민성장 ISA 및 한도 상향 수치는 2026 세제개편 추진 중인 (추정)값으로, 법안 확정 시 변경될 수 있습니다.
🧮 Inputs
×10k KRW
2,000만원
ISA annual limit ₩20M (Growth ISA est. ₩40M)
%
Deposits/bonds 3–5%, stocks/ETFs vary widely
yr
ISA minimum mandatory holding: 3 years
Estimated total principal1억
Max tax saved (vs regular account)
1,872,104원
Growth (National) ISA is the most favorable — saving 1,872,104원 vs a regular account.est.
Comparison
| Account type | Total profit | Tax | Net amount | Tax saved |
|---|---|---|---|---|
Regular taxable account No tax-free · 15.4% | 1,604만원 | 2,469,891원 | 1억 1,357만원 | — |
General ISA Tax-free ₩2M · 9.9% above | 1,604만원 | 1,389,787원 | 1억 1,465만원 | +1,080,104원 |
Low-income ISA Tax-free ₩4M · 9.9% above | 1,604만원 | 1,191,787원 | 1억 1,485만원 | +1,278,104원 |
Growth (National) ISAest.Best Tax-free ₩10M · 9.9% above | 1,604만원 | 597,787원 | 1억 1,544만원 | +1,872,104원 |
Profit within the tax-free limit is taxed at 0%; only the excess is taxed at 9.9% separately.
Limits & rates sources (2026 basis)
- 📊 Separate tax 9.9% (9% + 0.9% local) · Regular account 15.4% (14% + 1.4% local)
- 📜 General tax-free ₩2M / low-income·farmer ₩4M — Special Tax Treatment Act §91-18 (current, confirmed)
- 💳 Annual limit ₩20M · total ₩100M · mandatory holding 3 years (current, confirmed)
- 🆕 Growth ISA and limit hikes (general ₩5M, low-income ₩10M, annual ₩40M / total ₩200M) are under 2026 tax-reform proposal — not confirmed (estimate)
Verified: 2026-06-20
※ This calculator is for reference only and is not tax advice. Financial-income aggregate taxation status is not reflected.
Guide · FAQ · bal.pe.kr 도구 모음
계산 방법·한도 상세는 Guide, 자주 묻는 질문은 FAQ, 데이터 출처·운영 정보는 About 참조. 마지막 업데이트 2026-06-20.