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Tax & Tax Saving
Check whether your interest and dividends exceed KRW 20 million, and whether it affects your eligibility as a health insurance dependent.
Expected financial income this year (pre-tax, before withholding)
Interest on deposits, installment savings and bonds
Cash dividends from Korea-listed companies
Taxable dividend income from overseas and bond ETFs, etc.
Amount before local withholding tax
Other income and health insurance
Employment and business income minus various deductions. The 'tax base' on your year-end tax settlement receipt. If unsure, about 60–70% of your annual salary.
For employee subscribers, income other than salary (rental, business, etc.); for dependents and regional subscribers, annual income such as pensions and business income
Enter values and press Check
Total financial income
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0KRW 10M (health insurance)KRW 20M (comprehensive taxation)
Comprehensive taxation status
Additional tax payable (estimate)
Health insurance impact
KRW 20 million and KRW 10 million
If interest and dividend financial income exceeds KRW 20 million a year, it is added to other income and taxed at progressive rates. For health insurance, the moment it exceeds KRW 10 million, the entire financial income counts as income.
Enter interest, domestic dividends, ETF distributions and overseas dividends on a pre-tax basis.
If you enter the tax base of employment and business income, it estimates the additional tax you would owe under comprehensive taxation.
Check whether you lose dependent status, the income-based premium for employee subscribers, and the change in premiums for regional subscribers.
Only the portion above KRW 20 million is added to other income. If your other income is small and you are in a low tax bracket, there may be almost no additional tax. Conversely, high earners face high rates on the excess.
If financial income exceeds KRW 10 million a year, the entire amount counts as income. If your annual combined income including it exceeds KRW 20 million, you lose dependent status. If you are near the threshold, consider adjusting the timing of dividend payments or the account.
Yes. Overseas dividends are included in financial income too. Tax paid locally is reflected as the foreign tax credit when you file your comprehensive income tax return.
From dividends paid in 2026–2028, dividends from qualifying high-dividend companies can be taxed separately (14–30%) at your election when filing. This calculator uses ordinary taxation; see the explanation of the scheme below.
Results are estimates based on your inputs and simplified assumptions, and are for reference only, not a basis for investment decisions.
Last updated: November 2, 2026
Compare whether separate taxation (14–30%) of high-dividend company dividend income, in effect from 2026, or comprehensive taxation is more favorable.
Combine stocks so dividends arrive every month and build a monthly after-tax dividend calendar.
Compare after-tax results when making the same investment in a regular account, ISA, pension savings account or IRP.