{"id":120,"date":"2026-03-14T20:47:04","date_gmt":"2026-03-14T11:47:04","guid":{"rendered":"https:\/\/calculator.lineuplounge.co.kr\/?page_id=120"},"modified":"2026-03-15T22:02:28","modified_gmt":"2026-03-15T13:02:28","slug":"savings-calculator","status":"publish","type":"page","link":"https:\/\/calculator.lineuplounge.co.kr\/en\/savings-calculator\/","title":{"rendered":"\uc801\uae08 \uacc4\uc0b0\uae30|\uc801\uae08 \uc774\uc790\u00b7\ub9cc\uae30 \uc218\ub839\uc561\u00b7\uc138\ud6c4 \uc774\uc790 \uacc4\uc0b0"},"content":{"rendered":"\n<!-- CalcHub - \uc801\uae08 \uacc4\uc0b0\uae30 | \/finance\/savings-calculator\/ -->\n<script 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12\ub97c \ud569\uc0b0\ud569\ub2c8\ub2e4. \uccab \ub2ec \ub0a9\uc785\uae08\uc774 \uac00\uc7a5 \uc624\ub798 \uc6b4\uc6a9\ub418\uc5b4 \uc774\uc790\uac00 \uac00\uc7a5 \ub9ce\uace0, \ub9c8\uc9c0\ub9c9 \ub2ec \ub0a9\uc785\uae08\uc740 \uc774\uc790\uac00 \uac70\uc758 \uc5c6\uc2b5\ub2c8\ub2e4.\"}},{\"@type\":\"Question\",\"name\":\"\uc801\uae08\uacfc \uc608\uae08\uc758 \ucc28\uc774\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\uc608\uae08\uc740 \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \ub123\uace0 \uc774\uc790\ub97c \ubc1b\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc801\uae08\uc740 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \ub0a9\uc785\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c, \uac19\uc740 \uae08\uc561\uacfc \uc774\uc790\uc728\uc774\ub77c\ub3c4 \uc801\uae08\uc758 \uc2e4\uc9c8 \uc218\uc775\ub960\uc774 \uc608\uae08\uc758 \uc57d \uc808\ubc18 \uc218\uc900\uc785\ub2c8\ub2e4.\"}},{\"@type\":\"Question\",\"name\":\"ISA \uacc4\uc88c\ub97c \uc774\uc6a9\ud558\uba74 \uc138\uae08\uc744 \uc5bc\ub9c8\ub098 \uc808\uc57d\ud560 \uc218 \uc788\ub098\uc694?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"ISA \uacc4\uc88c\uc5d0\uc11c\ub294 \uc5f0\uac04 200\ub9cc \uc6d0(\uc11c\ubbfc\ud615\u00b7\ub18d\uc5b4\ubbfc 400\ub9cc \uc6d0)\uae4c\uc9c0 \uc774\uc790\u00b7\ubc30\ub2f9 \uc18c\ub4dd\uc774 \ube44\uacfc\uc138\ub429\ub2c8\ub2e4. \ucd08\uacfc\ubd84\uc740 9.9% \ubd84\ub9ac\uacfc\uc138\ub85c \uc77c\ubc18 15.4%\ubcf4\ub2e4 \uc720\ub9ac\ud569\ub2c8\ub2e4.\"}}]}]}<\/script>\n<style>\n:root{--bg:#f0f4fb;--card:#fff;--line:#dce6f4;--text:#111827;--sub:#4b5563;--muted:#6b7280;--primary:#1f5eff;--accent:#0ea5e9;--success:#10b981;--warn:#f59e0b;--nav:#0f2556;--teal:#0d9488;--radius:20px;--radius-sm:12px;--shadow:0 4px 24px rgba(15,37,86,.07);--shadow-md:0 8px 40px rgba(15,37,86,.12);--max:1180px;--font:\"Pretendard\",\"Noto Sans KR\",\"Apple SD Gothic 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7px;}\n@media(max-width:1060px){.sc-layout{grid-template-columns:1fr;}.sc-side{display:none;}}\n@media(max-width:820px){.sc-calc-grid{grid-template-columns:1fr;}.sc-hero h1{font-size:32px;}}\n@media(max-width:600px){.sc-hero{padding:26px 20px;}.sc-card{padding:18px;}.sc-bottom-grid{grid-template-columns:repeat(2,1fr);}}\n<\/style>\n\n<div class=\"sc-wrap\">\n<header class=\"sc-top\"><div class=\"sc-top-inner\"><a href=\"\/\" class=\"sc-logo\">Calc<em>Hub<\/em><\/a><div style=\"display:flex;gap:8px;\"><span class=\"sc-top-tag\">\ubb34\ub8cc \uacc4\uc0b0\uae30<\/span><span class=\"sc-top-tag\">\ubaa8\ubc14\uc77c \ucd5c\uc801\ud654<\/span><\/div><\/div><\/header>\n<nav class=\"sc-tabs-wrap\"><div class=\"sc-tabs\">\n  <a href=\"\/finance\/\" class=\"sc-tab\">\ud83d\udcb0 \uae08\uc735 \ud648<\/a>\n  <a href=\"\/finance\/loan-calculator\/\" class=\"sc-tab\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/interest-calculator\/\" class=\"sc-tab\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/compound-interest-calculator\/\" class=\"sc-tab\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/savings-calculator\/\" class=\"sc-tab active\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/investment-return-calculator\/\" class=\"sc-tab\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/pension-calculator\/\" class=\"sc-tab\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/card-installment-calculator\/\" class=\"sc-tab\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n<\/div><\/nav>\n\n<div class=\"sc-con\">\n<nav class=\"sc-bc\"><a href=\"\/\">\ud648<\/a> <a href=\"\/\">\ud648<\/a> &gt; <a href=\"\/\">\uacc4\uc0b0\uae30<\/a> &gt; <a href=\"\/finance\/\">\uae08\uc735 \uacc4\uc0b0\uae30<\/a>gt; <a href=\"\/finance\/\">\uae08\uc735 \uacc4\uc0b0\uae30<\/a> &gt; <strong>\uc801\uae08 \uacc4\uc0b0\uae30<\/strong><\/nav>\n<section class=\"sc-hero\"><div class=\"sc-hero-inner\">\n  <h1><small>\ub9cc\uae30 \uc218\ub839\uc561 \u00b7 \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790 \u00b7 \uc6d4\ubcc4 \uc2a4\ucf00\uc904<\/small>\uc801\uae08 \uacc4\uc0b0\uae30<\/h1>\n  <p class=\"sc-hero-desc\">\uc6d4 \ub0a9\uc785\uae08, \uc5f0\uc774\uc790\uc728, \uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \ub9cc\uae30 \uc218\ub839\uc561, \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790, \uc774\uc790\uc18c\ub4dd\uc138\ub97c \uc989\uc2dc \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n  <div class=\"sc-hero-pills\"><span class=\"sc-pill\">\ud83c\udfe6 \ub9cc\uae30 \uc218\ub839\uc561<\/span><span class=\"sc-pill\">\ud83d\udcb0 \uc138\uc804\u00b7\uc138\ud6c4<\/span><span class=\"sc-pill\">\ud83d\udccb \uc6d4\ubcc4 \uc2a4\ucf00\uc904<\/span><span class=\"sc-pill\">\ud83d\udca1 \uc808\uc138 \ud301<\/span><\/div>\n<\/div><\/section>\n\n<div class=\"sc-ad-wrap\" style=\"margin:18px 0 22px;text-align:center;\"><div class=\"sc-ad-label\">\uad11\uace0<\/div><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9333078688270478\" data-ad-slot=\"2135520075\" data-ad-format=\"horizontal\" data-full-width-responsive=\"true\"><\/ins><\/div>\n\n<div class=\"sc-layout\">\n<main class=\"sc-main\">\n<section class=\"sc-card\">\n<div class=\"sc-calc-grid\">\n<div>\n  <div class=\"sc-sec-label\">\ud83c\udfe6 \uc801\uae08 \uc815\ubcf4 \uc785\ub825<\/div>\n  <div class=\"sc-field\">\n    <div class=\"sc-label\"><span>\uc6d4 \ub0a9\uc785\uae08<\/span><span class=\"sc-live\" id=\"scMLive\">50\ub9cc\uc6d0<\/span><\/div>\n    <div class=\"sc-input-wrap\"><input class=\"sc-input\" id=\"scM\" type=\"text\" value=\"500,000\" inputmode=\"numeric\"><span class=\"sc-unit\">\uc6d0<\/span><\/div>\n    <div class=\"sc-range-wrap\"><input class=\"sc-range\" id=\"scMRange\" type=\"range\" min=\"10000\" max=\"10000000\" step=\"10000\" value=\"500000\"><div class=\"sc-range-marks\"><span>1\ub9cc<\/span><span>250\ub9cc<\/span><span>500\ub9cc<\/span><span>750\ub9cc<\/span><span>1,000\ub9cc<\/span><\/div><\/div>\n  <\/div>\n  <div class=\"sc-field\">\n    <div class=\"sc-label\"><span>\uc5f0 \uc774\uc790\uc728<\/span><span class=\"sc-live\" id=\"scRLive\">4.0%<\/span><\/div>\n    <div class=\"sc-input-wrap\"><input class=\"sc-input\" id=\"scR\" type=\"text\" value=\"4.0\" inputmode=\"decimal\"><span class=\"sc-unit\">%<\/span><\/div>\n    <div class=\"sc-range-wrap\"><input class=\"sc-range\" id=\"scRRange\" type=\"range\" min=\"0.1\" max=\"20\" step=\"0.1\" value=\"4.0\"><div class=\"sc-range-marks\"><span>0.1%<\/span><span>5%<\/span><span>10%<\/span><span>15%<\/span><span>20%<\/span><\/div><\/div>\n  <\/div>\n  <div class=\"sc-field\">\n    <div class=\"sc-label\"><span>\uae30\uac04<\/span><span class=\"sc-live\" id=\"scYLive\">24\uac1c\uc6d4<\/span><\/div>\n    <div class=\"sc-input-wrap\"><input class=\"sc-input\" id=\"scMo\" type=\"text\" value=\"24\" inputmode=\"numeric\"><span class=\"sc-unit\">\uac1c\uc6d4<\/span><\/div>\n    <div class=\"sc-range-wrap\"><input class=\"sc-range\" id=\"scMoRange\" type=\"range\" min=\"1\" max=\"60\" step=\"1\" value=\"24\"><div class=\"sc-range-marks\"><span>1\uac1c\uc6d4<\/span><span>15\uac1c\uc6d4<\/span><span>30\uac1c\uc6d4<\/span><span>45\uac1c\uc6d4<\/span><span>60\uac1c\uc6d4<\/span><\/div><\/div>\n  <\/div>\n  <button class=\"sc-calc-btn\" onclick=\"calcSavings()\">\ud83c\udfe6 \uacc4\uc0b0\ud558\uae30<\/button>\n  <div class=\"sc-help\">\ud83d\udca1 \uc801\uae08 \uc774\uc790\ub294 <strong>\uc6d4 \ub0a9\uc785\uae08 \u00d7 \uc774\uc790\uc728 \u00d7 \uc794\uc5ec\uae30\uac04\/12<\/strong>\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc774\uc790\uc18c\ub4dd\uc138 <strong>15.4%<\/strong> \uc801\uc6a9 \ud6c4 \uc138\ud6c4 \uae08\uc561\ub3c4 \ud655\uc778\ud558\uc138\uc694.<\/div>\n<\/div>\n<div>\n  <div class=\"sc-sec-label\">\ud83d\udcca \uacc4\uc0b0 \uacb0\uacfc<\/div>\n  <div class=\"sc-placeholder\" id=\"scPlaceholder\"><div class=\"ico\">\ud83c\udfe6<\/div><p>\uc6d4 \ub0a9\uc785\uae08, \uc774\uc790\uc728, \uae30\uac04\uc744 \uc785\ub825\ud55c \ub4a4<br><strong>\uacc4\uc0b0\ud558\uae30<\/strong> \ubc84\ud2bc\uc744 \ub20c\ub7ec\uc8fc\uc138\uc694.<\/p><\/div>\n  <div class=\"sc-result\" id=\"scResult\">\n    <div class=\"sc-result-hero\">\n      <div class=\"sc-result-hero-label\">\ub9cc\uae30 \uc218\ub839\uc561 (\uc138\ud6c4)<\/div>\n      <div class=\"sc-result-hero-val\" id=\"scAfterTotal\">\u2014<\/div>\n      <div class=\"sc-result-hero-sub\" id=\"scHeroSub\">\u2014<\/div>\n    <\/div>\n    <div class=\"sc-result-row\"><span class=\"k\">\ub9cc\uae30 \uc218\ub839\uc561 (\uc138\uc804)<\/span><span class=\"v t\" id=\"scBeforeTotal\">\u2014<\/span><\/div>\n    <div class=\"sc-result-row\"><span class=\"k\">\uc138\uc804 \uc774\uc790<\/span><span class=\"v t\" id=\"scBeforeInterest\">\u2014<\/span><\/div>\n    <div class=\"sc-result-row\"><span class=\"k\">\uc138\ud6c4 \uc774\uc790<\/span><span class=\"v w\" id=\"scAfterInterest\">\u2014<\/span><\/div>\n    <div class=\"sc-result-row\"><span class=\"k\">\uc774\uc790\uc18c\ub4dd\uc138 (15.4%)<\/span><span class=\"v w\" id=\"scTax\">\u2014<\/span><\/div>\n    <div class=\"sc-result-row\"><span class=\"k\">\ucd1d \ub0a9\uc785\uae08<\/span><span class=\"v\" id=\"scTotalPaid\">\u2014<\/span><\/div>\n    <div class=\"sc-result-row\"><span class=\"k\">\uc138\ud6c4 \uc2e4\uc9c8 \uc218\uc775\ub960<\/span><span class=\"v p\" id=\"scReturn\">\u2014<\/span><\/div>\n    <div style=\"margin-top:14px;\">\n      <div style=\"font-size:12px;font-weight:700;color:var(--muted);margin-bottom:8px;text-transform:uppercase;letter-spacing:.06em;\">\ub0a9\uc785\uae08 vs \uc774\uc790 \ube44\uc728<\/div>\n      <div class=\"sc-bar-bg\"><div class=\"sc-bar-p\" id=\"scBarP\" style=\"width:80%\"><\/div><div class=\"sc-bar-i\" id=\"scBarI\"><\/div><\/div>\n      <div class=\"sc-legend\"><span><span class=\"sc-dot\" style=\"background:var(--teal)\"><\/span>\ub0a9\uc785\uae08 <strong id=\"scPPct\">\u2014<\/strong><\/span><span><span class=\"sc-dot\" style=\"background:var(--warn)\"><\/span>\uc774\uc790 <strong id=\"scIPct\">\u2014<\/strong><\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<div style=\"margin-top:20px;text-align:center;\"><div style=\"font-size:10px;color:var(--muted);text-align:center;letter-spacing:.08em;margin-bottom:2px;\">\uad11\uace0<\/div><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-9333078688270478\" data-ad-slot=\"5631911954\"><\/ins><\/div>\n<\/section>\n\n<section class=\"sc-card\" id=\"scTableSection\" style=\"display:none;\">\n  <h2 style=\"font-size:22px;font-weight:900;letter-spacing:-.04em;margin-bottom:16px;\">\ud83d\udccb \uc6d4\ubcc4 \uc801\ub9bd \uc2a4\ucf00\uc904<\/h2>\n  <div class=\"sc-table-wrap\"><table class=\"sc-table\"><thead><tr><th>\uc6d4\ucc28<\/th><th>\ub0a9\uc785\uae08<\/th><th>\uc774\uc790<\/th><th>\ub204\uc801 \ub0a9\uc785\uae08<\/th><th>\ub204\uc801 \uc774\uc790<\/th><\/tr><\/thead><tbody id=\"scTableBody\"><\/tbody><\/table><\/div>\n<\/section>\n\n<div class=\"sc-ad-wrap\" style=\"text-align:center;padding:4px 0;\"><div class=\"sc-ad-label\">\uad11\uace0<\/div><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-format=\"autorelaxed\" data-ad-client=\"ca-pub-9333078688270478\" data-ad-slot=\"9989959361\"><\/ins><\/div>\n\n<section class=\"sc-card sc-content\" id=\"guide\">\n  <h2>\uc801\uae08 \uacc4\uc0b0\uae30\ub780?<\/h2>\n  <p>\uc801\uae08\uc740 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \ub0a9\uc785\ud558\uace0 \ub9cc\uae30\uc5d0 \uc6d0\uae08\uacfc \uc774\uc790\ub97c \ud568\uaed8 \uc218\ub839\ud558\ub294 \uae08\uc735 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uac19\uc740 \uc774\uc790\uc728\uc774\ub77c\ub3c4 \uc608\uae08\uacfc \ub2ec\ub9ac \uc801\uae08\uc740 \ub9e4\uc6d4 \uc0c8\ub85c \ub0a9\uc785\ub418\ub294 \uae08\uc561\uc758 \uc6b4\uc6a9 \uae30\uac04\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n  <h3>\uc801\uae08 \uc774\uc790 \uacc4\uc0b0 \uacf5\uc2dd<\/h3>\n  <div class=\"sc-formula\">\ucd1d \uc774\uc790 = \u03a3 (\uc6d4 \ub0a9\uc785\uae08 \u00d7 \uc5f0\uc774\uc790\uc728 \u00d7 \ud574\ub2f9 \uc6d4 \uc794\uc5ec\uae30\uac04 \/ 12)<br>= \uc6d4 \ub0a9\uc785\uae08 \u00d7 \uc5f0\uc774\uc790\uc728 \/ 12 \u00d7 n(n+1)\/2  (n=\ub0a9\uc785\uac1c\uc6d4)<\/div>\n  <h3>\uc608\uae08\uacfc \uc801\uae08\uc758 \ucc28\uc774<\/h3>\n  <p>\uc608\uae08\uc740 \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \ub123\uace0 \uc804\uccb4 \uae30\uac04 \ub3d9\uc548 \uc774\uc790\ub97c \ubc1b\uc2b5\ub2c8\ub2e4. \uc801\uae08\uc740 \ub9e4\ub2ec \ub0a9\uc785\ud558\ubbc0\ub85c \uccab \ub2ec \ub0a9\uc785\uae08\ub9cc \uc804\uccb4 \uae30\uac04 \uc774\uc790\ub97c \ubc1b\uace0, \ub9c8\uc9c0\ub9c9 \ub2ec \ub0a9\uc785\uae08\uc740 1\uac1c\uc6d4\uce58 \uc774\uc790\ub9cc \ubc1b\uc2b5\ub2c8\ub2e4. \uac19\uc740 \uae08\ub9ac\ub77c\uba74 \uc608\uae08\uc758 \uc2e4\ud6a8 \uc774\uc790\uac00 \uc801\uae08\uc758 \uc57d 2\ubc30\uc785\ub2c8\ub2e4.<\/p>\n  <h3>\uc808\uc138 \ubc29\ubc95<\/h3>\n  <ul>\n    <li><strong>ISA \uacc4\uc88c:<\/strong> \uc5f0 200\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138, \ucd08\uacfc\ubd84 9.9% \ubd84\ub9ac\uacfc\uc138<\/li>\n    <li><strong>\ube44\uacfc\uc138 \uc800\ucd95:<\/strong> \uc77c\uc815 \uc870\uac74 \ucda9\uc871 \uc2dc \uc774\uc790\uc18c\ub4dd \uc804\uc561 \ube44\uacfc\uc138<\/li>\n    <li><strong>\uccad\ub144 \uc6b0\ub300\ud615 \uccad\uc57d:<\/strong> \uc5f0 500\ub9cc \uc6d0 \ud55c\ub3c4 \ube44\uacfc\uc138 \ud61c\ud0dd<\/li>\n  <\/ul>\n<\/section>\n\n<section class=\"sc-card sc-faq\" id=\"faq\">\n  <h2 style=\"font-size:24px;font-weight:900;letter-spacing:-.04em;margin-bottom:16px;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n  <details open><summary>\uc801\uae08 \uc774\uc790\ub294 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\ub098\uc694?<\/summary><div class=\"ans\">\uc801\uae08\uc740 \ub9e4\uc6d4 \ub0a9\uc785\uae08\ub9c8\ub2e4 \ub0a8\uc740 \uae30\uac04\uc774 \ub2e4\ub974\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4. \uccab \ub2ec \ub0a9\uc785\uae08\uc740 \uc804\uccb4 \uae30\uac04 \uc774\uc790\ub97c \ubc1b\uace0, \ub9c8\uc9c0\ub9c9 \ub2ec \ub0a9\uc785\uae08\uc740 1\uac1c\uc6d4\uce58 \uc774\uc790\ub9cc \ubc1b\uc2b5\ub2c8\ub2e4. \uacf5\uc2dd: \ucd1d \uc774\uc790 = \uc6d4 \ub0a9\uc785\uae08 \u00d7 \uc5f0\uc774\uc790\uc728\/12 \u00d7 n(n+1)\/2 (n=\ub0a9\uc785 \uac1c\uc6d4 \uc218)<\/div><\/details>\n  <details><summary>\uc608\uae08\uacfc \uc801\uae08 \uc911 \uc5b4\ub290 \uac83\uc774 \uc720\ub9ac\ud55c\uac00\uc694?<\/summary><div class=\"ans\">\ubaa9\ub3c8\uc774 \uc788\ub2e4\uba74 \uc608\uae08\uc774 \uc774\uc790 \uce21\uba74\uc5d0\uc11c \uc720\ub9ac\ud569\ub2c8\ub2e4. \ub9e4\ub2ec \uc800\ucd95 \uc5ec\ub825\uc774 \uc788\ub2e4\uba74 \uc801\uae08\uc774 \uc801\ud569\ud569\ub2c8\ub2e4. \uac19\uc740 \uc6d0\uae08\u00b7\uae08\ub9ac \uae30\uc900\uc73c\ub85c \uc608\uae08 \uc774\uc790\uac00 \uc801\uae08\uc758 \uc57d 2\ubc30\uc774\ubbc0\ub85c, \ubaa9\ub3c8\uc740 \uc608\uae08\uc73c\ub85c, \uc5ec\uc720 \uc790\uae08\uc740 \uc801\uae08\uc73c\ub85c \uc6b4\uc6a9\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4.<\/div><\/details>\n  <details><summary>\uc774\uc790\uc18c\ub4dd\uc138\ub97c \uc904\uc774\ub294 \ubc29\ubc95\uc774 \uc788\ub098\uc694?<\/summary><div class=\"ans\">ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c) \uacc4\uc88c\ub97c \uc774\uc6a9\ud558\uba74 \uc5f0\uac04 200\ub9cc \uc6d0(\uc11c\ubbfc\u00b7\ub18d\uc5b4\ubbfc\ud615 400\ub9cc \uc6d0)\uae4c\uc9c0 \uc774\uc790 \uc18c\ub4dd\uc774 \ube44\uacfc\uc138\ub429\ub2c8\ub2e4. \ucd08\uacfc\ubd84\uc740 9.9% \ubd84\ub9ac\uacfc\uc138\ub85c \uc77c\ubc18 15.4%\ubcf4\ub2e4 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc870\uac74\uc5d0 \ud574\ub2f9\ub41c\ub2e4\uba74 \ube44\uacfc\uc138 \uc804\uc6a9 \uc800\ucd95 \uc0c1\ud488\ub3c4 \ud65c\uc6a9\ud574\ubcf4\uc138\uc694.<\/div><\/details>\n  <details><summary>\uc911\ub3c4 \ud574\uc9c0\ud558\uba74 \uc774\uc790\uac00 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/summary><div class=\"ans\">\ub300\ubd80\ubd84\uc758 \uc801\uae08 \uc0c1\ud488\uc740 \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc57d\uc815 \uae08\ub9ac\uac00 \uc544\ub2cc \uc911\ub3c4 \ud574\uc9c0 \uc774\uc728(\ubcf4\ud1b5 0.1~1% \uc218\uc900)\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \ub9cc\uae30 \uc804 \ud574\uc9c0 \uc2dc \uc774\uc790\uac00 \ud06c\uac8c \uc904\uc5b4\ub4dc\ubbc0\ub85c, \uc911\ub3c4 \ud574\uc9c0\uac00 \uc608\uc0c1\ub41c\ub2e4\uba74 \ud30c\ud0b9 \ud1b5\uc7a5\uc774\ub098 CMA\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/div><\/details>\n<\/section>\n\n<section class=\"sc-card\"><h2 style=\"font-size:22px;font-weight:900;letter-spacing:-.04em;margin-bottom:14px;\">\ub2e4\ub978 \uae08\uc735 \uacc4\uc0b0\uae30<\/h2>\n<div class=\"sc-bottom-grid\">\n  <a href=\"\/finance\/loan-calculator\/\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/interest-calculator\/\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/compound-interest-calculator\/\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/investment-return-calculator\/\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775<\/a>\n  <a href=\"\/finance\/pension-calculator\/\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/card-installment-calculator\/\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80<\/a>\n<\/div><\/section>\n<\/main>\n<aside class=\"sc-side\"><div class=\"sticky\">\n  <div class=\"sc-side-box\"><div class=\"sc-side-head\">\uad11\uace0<\/div><div style=\"padding:8px;text-align:center;\"><ins class=\"adsbygoogle\" style=\"display:inline-block;width:284px;height:250px\" data-ad-client=\"ca-pub-9333078688270478\" data-ad-slot=\"9260530731\"><\/ins><\/div><\/div>\n  <div class=\"sc-side-box\"><div class=\"sc-side-head\">\uae08\uc735 \uacc4\uc0b0\uae30 \ubaa9\ub85d<\/div><div class=\"sc-side-links\">\n    <a href=\"\/finance\/loan-calculator\/\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/interest-calculator\/\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/compound-interest-calculator\/\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/savings-calculator\/\" class=\"current\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<span class=\"stag\">\ud604\uc7ac<\/span><\/a>\n    <a href=\"\/finance\/investment-return-calculator\/\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/pension-calculator\/\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/card-installment-calculator\/\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n  <\/div><\/div>\n  <div class=\"sc-side-box\"><div class=\"sc-side-head\">\uad11\uace0<\/div><div style=\"padding:8px;text-align:center;\"><ins class=\"adsbygoogle\" style=\"display:inline-block;width:284px;height:600px\" data-ad-client=\"ca-pub-9333078688270478\" data-ad-slot=\"7387846757\"><\/ins><\/div><\/div>\n<\/div><\/aside>\n<\/div>\n<\/div>\n<\/div>\n<script>\n(function(){\n'use strict';\nfunction parseNum(v){return parseFloat(String(v).replace(\/[^0-9.]\/g,''))||0;}\nfunction fmtWon(n){return Math.round(n).toLocaleString('ko-KR')+'\uc6d0';}\nfunction fmtKor(n){n=Math.round(n);if(n>=100000000){var e=Math.floor(n\/100000000),m=Math.floor((n%100000000)\/10000);return m>0?e+'\uc5b5 '+m.toLocaleString('ko-KR')+'\ub9cc\uc6d0':e+'\uc5b5\uc6d0';}if(n>=10000){return Math.floor(n\/10000).toLocaleString('ko-KR')+'\ub9cc\uc6d0';}return n.toLocaleString('ko-KR')+'\uc6d0';}\nfunction updRange(el){var min=parseFloat(el.min)||0,max=parseFloat(el.max)||100,val=parseFloat(el.value)||0;var pct=((val-min)\/(max-min)*100).toFixed(1);el.style.setProperty('--val',pct+'%');}\nfunction bind(input,range,liveId,min,max,fmt,step){\n  function updLive(){var raw=parseNum(input.value);if(raw>0){var c=Math.min(raw,max);range.value=c;document.getElementById(liveId).textContent=fmt(c);updRange(range);}}\n  function finalize(){var v=Math.max(min,Math.min(max,parseNum(input.value)));range.value=v;input.value=step==='int'?Math.round(v).toLocaleString('ko-KR'):(step==='dec'?v.toFixed(1):Math.round(v));document.getElementById(liveId).textContent=fmt(v);updRange(range);}\n  function fromRange(){var v=parseNum(range.value);input.value=step==='int'?Math.round(v).toLocaleString('ko-KR'):(step==='dec'?v.toFixed(1):Math.round(v));document.getElementById(liveId).textContent=fmt(v);updRange(range);}\n  input.addEventListener('focus',function(){this.value=parseNum(this.value)||'';});\n  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