{"id":122,"date":"2026-03-14T20:47:14","date_gmt":"2026-03-14T11:47:14","guid":{"rendered":"https:\/\/calculator.lineuplounge.co.kr\/?page_id=122"},"modified":"2026-03-15T22:06:02","modified_gmt":"2026-03-15T13:06:02","slug":"investment-return-calculator","status":"publish","type":"page","link":"https:\/\/calculator.lineuplounge.co.kr\/en\/investment-return-calculator\/","title":{"rendered":"\ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30|\ud22c\uc790 \uc218\uc775\ub960\u00b7\uc218\uc775\uae08\u00b7\uc5f0\ud3c9\uade0 \uc218\uc775\ub960 \uacc4\uc0b0"},"content":{"rendered":"\n<!-- CalcHub - \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30 | \/finance\/investment-return-calculator\/ -->\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\ud648\",\"item\":\"https:\/\/calculator.lineuplounge.co.kr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\uacc4\uc0b0\uae30\",\"item\":\"https:\/\/calculator.lineuplounge.co.kr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\uae08\uc735 \uacc4\uc0b0\uae30\",\"item\":\"https:\/\/calculator.lineuplounge.co.kr\/finance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30\",\"item\":\"https:\/\/calculator.lineuplounge.co.kr\/finance\/investment-return-calculator\/\"}]},{\"@type\":\"SoftwareApplication\",\"name\":\"\ud22c\uc790 \uc218\uc775 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7px;}\n@media(max-width:1060px){.ir-layout{grid-template-columns:1fr;}.ir-side{display:none;}}\n@media(max-width:820px){.ir-calc-grid{grid-template-columns:1fr;}.ir-hero h1{font-size:32px;}}\n@media(max-width:600px){.ir-hero{padding:26px 20px;}.ir-card{padding:18px;}.ir-bottom-grid{grid-template-columns:repeat(2,1fr);}}\n<\/style>\n\n<div class=\"ir-wrap\">\n<header class=\"ir-top\"><div class=\"ir-top-inner\"><a href=\"\/\" class=\"ir-logo\">Calc<em>Hub<\/em><\/a><div style=\"display:flex;gap:8px;\"><span class=\"ir-top-tag\">\ubb34\ub8cc \uacc4\uc0b0\uae30<\/span><span class=\"ir-top-tag\">\ubaa8\ubc14\uc77c \ucd5c\uc801\ud654<\/span><\/div><\/div><\/header>\n<nav class=\"ir-tabs-wrap\"><div class=\"ir-tabs\">\n  <a href=\"\/finance\/\" class=\"ir-tab\">\ud83d\udcb0 \uae08\uc735 \ud648<\/a>\n  <a href=\"\/finance\/loan-calculator\/\" class=\"ir-tab\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/interest-calculator\/\" class=\"ir-tab\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/compound-interest-calculator\/\" class=\"ir-tab\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/savings-calculator\/\" class=\"ir-tab\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/investment-return-calculator\/\" class=\"ir-tab active\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/pension-calculator\/\" class=\"ir-tab\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/card-installment-calculator\/\" class=\"ir-tab\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n<\/div><\/nav>\n\n<div class=\"ir-con\">\n<nav class=\"ir-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>\ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/strong><\/nav>\n<section class=\"ir-hero\"><div class=\"ir-hero-inner\">\n  <h1><small>\ucd08\uae30 \ud22c\uc790\uae08 + \uc6d4 \uc801\ub9bd \u00b7 \ubcf5\ub9ac \uc2dc\ubbac\ub808\uc774\uc158 \u00b7 \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904<\/small>\ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/h1>\n  <p class=\"ir-hero-desc\">\ucd08\uae30 \ud22c\uc790\uae08, \uc6d4 \ucd94\uac00 \ud22c\uc790\uae08, \uc5f0 \uc218\uc775\ub960, \uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \uc7a5\uae30 \ubcf5\ub9ac \uc131\uacfc\uc640 \uc5f0\ub3c4\ubcc4 \uc790\uc0b0 \uc131\uc7a5\uc744 \uc989\uc2dc \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n  <div class=\"ir-hero-pills\"><span class=\"ir-pill\">\ud83d\udcbc \ubcf5\ub9ac \uc2dc\ubbac\ub808\uc774\uc158<\/span><span class=\"ir-pill\">\ud83d\udcca \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904<\/span><span class=\"ir-pill\">\ud83d\udd04 \uc2dc\ub098\ub9ac\uc624 \ube44\uad50<\/span><span class=\"ir-pill\">\ud83d\udcc8 \ucd1d \uc218\uc775\ub960<\/span><\/div>\n<\/div><\/section>\n\n<div class=\"ir-ad-wrap\" style=\"margin:18px 0 22px;text-align:center;\"><div class=\"ir-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=\"ir-layout\">\n<main class=\"ir-main\">\n<section class=\"ir-card\">\n<div class=\"ir-calc-grid\">\n<div>\n  <div class=\"ir-sec-label\">\ud83d\udcbc \ud22c\uc790 \uc815\ubcf4 \uc785\ub825<\/div>\n  <div class=\"ir-field\">\n    <div class=\"ir-label\"><span>\ucd08\uae30 \ud22c\uc790\uae08<\/span><span class=\"ir-live\" id=\"irILive\">1,000\ub9cc\uc6d0<\/span><\/div>\n    <div class=\"ir-input-wrap\"><input class=\"ir-input\" id=\"irI\" type=\"text\" value=\"10,000,000\" inputmode=\"numeric\"><span class=\"ir-unit\">\uc6d0<\/span><\/div>\n    <div class=\"ir-range-wrap\"><input class=\"ir-range\" id=\"irIRange\" type=\"range\" min=\"0\" max=\"1000000000\" step=\"100000\" value=\"10000000\"><div class=\"ir-range-marks\"><span>0\uc6d0<\/span><span>2.5\uc5b5<\/span><span>5\uc5b5<\/span><span>7.5\uc5b5<\/span><span>10\uc5b5<\/span><\/div><\/div>\n  <\/div>\n  <div class=\"ir-field\">\n    <div class=\"ir-label\"><span>\uc6d4 \ucd94\uac00 \ud22c\uc790\uae08<\/span><span class=\"ir-live\" id=\"irMLive\">30\ub9cc\uc6d0<\/span><\/div>\n    <div class=\"ir-input-wrap\"><input class=\"ir-input\" id=\"irM\" type=\"text\" value=\"300,000\" inputmode=\"numeric\"><span class=\"ir-unit\">\uc6d0<\/span><\/div>\n    <div class=\"ir-range-wrap\"><input class=\"ir-range\" id=\"irMRange\" type=\"range\" min=\"0\" max=\"5000000\" step=\"10000\" value=\"300000\"><div class=\"ir-range-marks\"><span>0\uc6d0<\/span><span>125\ub9cc<\/span><span>250\ub9cc<\/span><span>375\ub9cc<\/span><span>500\ub9cc<\/span><\/div><\/div>\n  <\/div>\n  <div class=\"ir-field\">\n    <div class=\"ir-label\"><span>\uc5f0 \uc218\uc775\ub960<\/span><span class=\"ir-live\" id=\"irRLive\">8.0%<\/span><\/div>\n    <div class=\"ir-input-wrap\"><input class=\"ir-input\" id=\"irR\" type=\"text\" value=\"8.0\" inputmode=\"decimal\"><span class=\"ir-unit\">%<\/span><\/div>\n    <div class=\"ir-range-wrap\"><input class=\"ir-range\" id=\"irRRange\" type=\"range\" min=\"0.1\" max=\"30\" step=\"0.1\" value=\"8.0\"><div class=\"ir-range-marks\"><span>0.1%<\/span><span>7%<\/span><span>15%<\/span><span>22%<\/span><span>30%<\/span><\/div><\/div>\n  <\/div>\n  <div class=\"ir-field\">\n    <div class=\"ir-label\"><span>\ud22c\uc790 \uae30\uac04<\/span><span class=\"ir-live\" id=\"irYLive\">20\ub144<\/span><\/div>\n    <div class=\"ir-input-wrap\"><input class=\"ir-input\" id=\"irY\" type=\"text\" value=\"20\" inputmode=\"numeric\"><span class=\"ir-unit\">\ub144<\/span><\/div>\n    <div class=\"ir-range-wrap\"><input class=\"ir-range\" id=\"irYRange\" type=\"range\" min=\"1\" max=\"50\" step=\"1\" value=\"20\"><div class=\"ir-range-marks\"><span>1\ub144<\/span><span>12\ub144<\/span><span>25\ub144<\/span><span>37\ub144<\/span><span>50\ub144<\/span><\/div><\/div>\n  <\/div>\n  <button class=\"ir-calc-btn\" onclick=\"calcInvestment()\">\ud83d\udcbc \uacc4\uc0b0\ud558\uae30<\/button>\n  <div class=\"ir-help\">\ud83d\udca1 \ucd08\uae30 \ud22c\uc790\uae08\uc774 0\uc774\uc5b4\ub3c4 \uacc4\uc0b0\ub429\ub2c8\ub2e4. \uc6d4 \uc801\ub9bd\uc2dd \ud22c\uc790\ub9cc \ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ud65c\uc6a9 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/div>\n<\/div>\n<div>\n  <div class=\"ir-sec-label\">\ud83d\udcca \uacc4\uc0b0 \uacb0\uacfc<\/div>\n  <div class=\"ir-placeholder\" id=\"irPlaceholder\"><div class=\"ico\">\ud83d\udcbc<\/div><p>\ud22c\uc790 \uc815\ubcf4\ub97c \uc785\ub825\ud55c \ub4a4<br><strong>\uacc4\uc0b0\ud558\uae30<\/strong> \ubc84\ud2bc\uc744 \ub20c\ub7ec\uc8fc\uc138\uc694.<\/p><\/div>\n  <div class=\"ir-result\" id=\"irResult\">\n    <div class=\"ir-result-hero\">\n      <div class=\"ir-result-hero-label\">\ucd5c\uc885 \ud22c\uc790 \uc790\uc0b0<\/div>\n      <div class=\"ir-result-hero-val\" id=\"irFinal\">\u2014<\/div>\n      <div class=\"ir-result-hero-sub\" id=\"irHeroSub\">\u2014<\/div>\n    <\/div>\n    <div class=\"ir-result-row\"><span class=\"k\">\ucd1d \ud22c\uc790\uae08<\/span><span class=\"v p\" id=\"irTotalInvested\">\u2014<\/span><\/div>\n    <div class=\"ir-result-row\"><span class=\"k\">\ucd1d \uc218\uc775<\/span><span class=\"v a\" id=\"irTotalProfit\">\u2014<\/span><\/div>\n    <div class=\"ir-result-row\"><span class=\"k\">\ucd1d \uc218\uc775\ub960<\/span><span class=\"v a\" id=\"irReturnRate\">\u2014<\/span><\/div>\n    <div class=\"ir-result-row\"><span class=\"k\">\uc5f0\ud3c9\uade0 \ubcf5\ub9ac \uc218\uc775\ub960 (CAGR)<\/span><span class=\"v g\" id=\"irCAGR\">\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;\">\ud22c\uc790\uae08 \uad6c\uc131 \ube44\uc728<\/div>\n      <div class=\"ir-bar-bg\">\n        <div class=\"ir-bar-p\" id=\"irBarI\" style=\"width:30%\"><\/div>\n        <div class=\"ir-bar-m\" id=\"irBarM\" style=\"width:20%\"><\/div>\n        <div class=\"ir-bar-r\" id=\"irBarR\"><\/div>\n      <\/div>\n      <div class=\"ir-legend\">\n        <span><span class=\"ir-dot\" style=\"background:var(--primary)\"><\/span>\ucd08\uae30 \ud22c\uc790\uae08 <strong id=\"irIPct\">\u2014<\/strong><\/span>\n        <span><span class=\"ir-dot\" style=\"background:var(--amber)\"><\/span>\uc6d4 \uc801\ub9bd \ud569\uacc4 <strong id=\"irMPct\">\u2014<\/strong><\/span>\n        <span><span class=\"ir-dot\" style=\"background:var(--success)\"><\/span>\uc218\uc775 <strong id=\"irRPct\">\u2014<\/strong><\/span>\n      <\/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=\"ir-card\" id=\"irTableSection\" style=\"display:none;\">\n  <h2 style=\"font-size:22px;font-weight:900;letter-spacing:-.04em;margin-bottom:16px;\">\ud83d\udccb \uc5f0\ub3c4\ubcc4 \uc790\uc0b0 \uc131\uc7a5 \uc2a4\ucf00\uc904<\/h2>\n  <div class=\"ir-table-wrap\"><table class=\"ir-table\"><thead><tr><th>\uc5f0\ucc28<\/th><th>\ub204\uc801 \ud22c\uc790\uae08<\/th><th>\ub204\uc801 \uc218\uc775<\/th><th>\ucd1d \uc790\uc0b0<\/th><th>\uc218\uc775\ub960<\/th><\/tr><\/thead><tbody id=\"irTableBody\"><\/tbody><\/table><\/div>\n<\/section>\n\n<div class=\"ir-ad-wrap\" style=\"text-align:center;padding:4px 0;\"><div class=\"ir-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=\"ir-card ir-content\" id=\"guide\">\n  <h2>\ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30\ub780?<\/h2>\n  <p>\ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30\ub294 \uc8fc\uc2dd, ETF, \ud380\ub4dc, \uc5f0\uae08 \ub4f1 \uc7a5\uae30 \ud22c\uc790 \uc2dc \uc608\uc0c1 \uc790\uc0b0 \uc131\uc7a5\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud558\ub294 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ucd08\uae30 \ud22c\uc790\uae08\uc5d0 \uc6d4 \uc801\ub9bd\uc744 \ub354\ud574 \ubcf5\ub9ac\ub85c \uc6b4\uc6a9\ud588\uc744 \ub54c \ucd5c\uc885 \uc790\uc0b0\uc774 \uc5bc\ub9c8\ub098 \ub418\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n  <h3>\uacc4\uc0b0 \ubc29\uc2dd<\/h3>\n  <p>\ub9e4\uc6d4 \ucd08 \ud22c\uc790 \ud6c4 \uc6d4\uc774\uc790\uc728\ub85c \ubcf5\ub9ac \uc6b4\uc6a9: FV = (\ucd08\uae30\uae08 + \uc6d4\uc801\ub9bd) \u00d7 (1+r\/12)^n + \uc774\ud6c4 \ub9e4\uc6d4 \uc801\ub9bd \u00d7 \ubcf5\ub9ac \ud569\uc0b0. \uc5f0 \uc218\uc775\ub960 \uae30\uc900 \uc6d4 \ubcf5\ub9ac\ub85c \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/p>\n  <div class=\"ir-callout\">\ud83d\udcca <strong>S&#038;P500 \ucc38\uace0 \uc218\uc775\ub960:<\/strong> \ubc30\ub2f9 \uc7ac\ud22c\uc790 \uae30\uc900 \uc5ed\uc0ac\uc801 \uc5f0\ud3c9\uade0 \uc57d 10~11% (\ub2ec\ub7ec \uae30\uc900). \ud55c\uad6d \ud22c\uc790\uc790 \uae30\uc900 \ud658\uc728\u00b7\uc138\uae08 \ubc18\uc601 \uc2dc \uc774\ubcf4\ub2e4 \ub0ae\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div>\n  <h3>\uc218\uc775\ub960 \uc2dc\ub098\ub9ac\uc624 \ucc38\uace0<\/h3>\n  <ul>\n    <li><strong>\ubcf4\uc218\uc801 (5%):<\/strong> \ucc44\uad8c \ud63c\ud569\ud615, \uc548\uc815\uc801 \ubc30\ub2f9\uc8fc \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/li>\n    <li><strong>\uc911\ub9bd\uc801 (7~8%):<\/strong> \uae00\ub85c\ubc8c \ubd84\uc0b0 ETF \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/li>\n    <li><strong>\uacf5\uaca9\uc801 (10~12%):<\/strong> \uc8fc\uc2dd \uc911\uc2ec, \uc7a5\uae30 S&#038;P500 \uc5ed\uc0ac\uc801 \uc218\uc900<\/li>\n  <\/ul>\n<\/section>\n\n<section class=\"ir-card ir-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>\uc6d4 \uc801\ub9bd\uc2dd \ud22c\uc790\ub294 \uc5bc\ub9c8\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc88b\ub098\uc694?<\/summary><div class=\"ans\">\uae08\uc561\ubcf4\ub2e4 \uc77c\uad00\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc774\ub77c\ub3c4 10\ub144 \uc774\uc0c1 \uafb8\uc900\ud788 \ud22c\uc790\ud558\uba74 \ubcf5\ub9ac \ud6a8\uacfc\ub85c \uc0c1\ub2f9\ud55c \uc790\uc0b0\uc744 \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacc4\uc0b0\uae30\uc5d0 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uae08\uc561\uc744 \uc785\ub825\ud574 \ubaa9\ud45c \uc790\uc0b0\uae4c\uc9c0 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub294\uc9c0 \uc9c1\uc811 \ud655\uc778\ud574\ubcf4\uc138\uc694.<\/div><\/details>\n  <details><summary>\uc5f0 \uc218\uc775\ub960 8%\ub294 \ud604\uc2e4\uc801\uc778\uac00\uc694?<\/summary><div class=\"ans\">\uae00\ub85c\ubc8c \uc8fc\uc2dd ETF(\uc608: S&#038;P500)\uc758 \uc5ed\uc0ac\uc801 \uc7a5\uae30 \uc218\uc775\ub960\uc740 \ub2ec\ub7ec \uae30\uc900 \uc57d 10~11%\uc785\ub2c8\ub2e4. \ud658\uc728 \ubcc0\ub3d9\uacfc \uc138\uae08\uc744 \uace0\ub824\ud558\uba74 \ud55c\uad6d \ud22c\uc790\uc790 \uae30\uc900 \uc2e4\uc9c8 \uc218\uc775\ub960\uc740 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\uc218\uc801\uc73c\ub85c\ub294 5~7%, \uc801\uc808\ud55c \uae30\ub300\uce58\ub85c\ub294 7~9%\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4.<\/div><\/details>\n  <details><summary>\ud22c\uc790 \uc138\uae08(\uc591\ub3c4\uc18c\ub4dd\uc138, \ubc30\ub2f9\uc18c\ub4dd\uc138)\uc740 \ubc18\uc601\ub418\ub098\uc694?<\/summary><div class=\"ans\">\uc774 \uacc4\uc0b0\uae30\ub294 \uc138\uc804 \uae30\uc900 \ubcf5\ub9ac \uc131\uc7a5\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c\ub294 \uc8fc\uc2dd\u00b7ETF \uc591\ub3c4\ucc28\uc775\uc5d0 \uc591\ub3c4\uc18c\ub4dd\uc138, \ubc30\ub2f9\uc5d0\ub294 \ubc30\ub2f9\uc18c\ub4dd\uc138(15.4%)\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. ISA \uacc4\uc88c\ub098 \uc5f0\uae08 \uacc4\uc88c(IRP, \uc5f0\uae08\uc800\ucd95)\ub97c \ud65c\uc6a9\ud558\uba74 \uc138\uae08\uc744 \uc774\uc5f0\ud558\uac70\ub098 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div><\/details>\n  <details><summary>\uc778\ud50c\ub808\uc774\uc158\uc744 \uac10\uc548\ud558\uba74 \uc2e4\uc9c8 \uc218\uc775\ub960\uc740 \uc5b4\ub290 \uc815\ub3c4\uc778\uac00\uc694?<\/summary><div class=\"ans\">\uc2e4\uc9c8 \uc218\uc775\ub960 \u2248 \uba85\ubaa9 \uc218\uc775\ub960 \u2212 \uc778\ud50c\ub808\uc774\uc158\uc728\uc785\ub2c8\ub2e4. \uc5f0 8% \ud22c\uc790 \uc218\uc775\ub960\uc5d0\uc11c \uc778\ud50c\ub808\uc774\uc158 3%\ub97c \ube7c\uba74 \uc2e4\uc9c8 \uc218\uc775\ub960\uc740 \uc57d 5%\uc785\ub2c8\ub2e4. \uacc4\uc0b0\uae30\uc5d0 \uc2e4\uc9c8 \uc218\uc775\ub960\uc744 \uc785\ub825\ud558\uba74 \uad6c\ub9e4\ub825 \uae30\uc900\uc758 \uc790\uc0b0 \uc131\uc7a5\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div><\/details>\n<\/section>\n\n<section class=\"ir-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=\"ir-bottom-grid\">\n  <a href=\"\/finance\/loan-calculator\/\">\ud83d\udcca \ub300\ucd9c \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\/\">\ud83c\udfe6 \uc801\uae08 \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<\/a>\n  <a href=\"\/finance\/\">\ud83d\udcb0 \uae08\uc735 \ud648<\/a>\n<\/div><\/section>\n<\/main>\n<aside class=\"ir-side\"><div class=\"sticky\">\n  <div class=\"ir-side-box\"><div class=\"ir-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=\"ir-side-box\"><div class=\"ir-side-head\">\uae08\uc735 \uacc4\uc0b0\uae30 \ubaa9\ub85d<\/div><div class=\"ir-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\/\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/investment-return-calculator\/\" class=\"current\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<span class=\"stag\">\ud604\uc7ac<\/span><\/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=\"ir-side-box\"><div class=\"ir-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  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years=Math.round(parseNum(document.getElementById('irY').value));\n  if((!initial&&!monthly)||!r||!years){alert('\uc218\uc775\ub960\uacfc \uae30\uac04\uc744 \uc785\ub825\ud558\uace0 \ucd08\uae30 \ud22c\uc790\uae08 \ub610\ub294 \uc6d4 \ud22c\uc790\uae08 \uc911 \ud558\ub098 \uc774\uc0c1\uc744 \uc785\ub825\ud574\uc8fc\uc138\uc694.');return;}\n  var mr=r\/12, n=years*12;\n  \/\/ FV = initial*(1+mr)^n + monthly*((1+mr)^n - 1)\/mr\n  var fvI=initial*Math.pow(1+mr,n);\n  var fvM=monthly>0?monthly*(Math.pow(1+mr,n)-1)\/mr:0;\n  var final=fvI+fvM;\n  var totalMonthly=monthly*n;\n  var totalInvested=initial+totalMonthly;\n  var profit=final-totalInvested;\n  var returnRate=totalInvested>0?profit\/totalInvested*100:0;\n  var cagr=(Math.pow(final\/(totalInvested||1),1\/years)-1)*100;\n  var iPct=totalInvested>0?initial\/final*100:0;\n  var mPct=totalInvested>0?totalMonthly\/final*100:0;\n  var rPct=100-iPct-mPct;\n  document.getElementById('irFinal').textContent=fmtWon(final);\n  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\ud22c\uc790\uae08 + \uc6d4 \uc801\ub9bd \u00b7 \ubcf5\ub9ac \uc2dc\ubbac\ub808\uc774\uc158 \u00b7 \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904\ud22c\uc790 \uc218\uc775&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"disable","_kad_post_title":"hide","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":true,"_kad_post_footer":true,"_kad_post_classname":"","footnotes":""},"class_list":["post-122","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":3,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/122\/revisions"}],"predecessor-version":[{"id":206,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/122\/revisions\/206"}],"wp:attachment":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/media?parent=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}