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a{background:linear-gradient(135deg,var(--primary),var(--accent));color:#fff;border-radius:14px;padding:16px 12px;text-align:center;font-size:14px;font-weight:800;transition:transform .15s;}\n.pc-bottom-grid a:hover{transform:translateY(-2px);}\n.pc-side .sticky{position:sticky;top:68px;}\n.pc-side-box{background:#fff;border:1.5px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden;margin-bottom:16px;}\n.pc-side-head{font-size:12px;font-weight:800;color:var(--muted);letter-spacing:.1em;text-transform:uppercase;padding:11px 16px;border-bottom:1px solid var(--line);background:#fafbfd;}\n.pc-side-links a{display:flex;align-items:center;gap:8px;padding:13px 16px;border-bottom:1px solid #f0f4fb;font-size:14px;font-weight:700;color:#1f2937;transition:background .1s,color .1s;}\n.pc-side-links a:last-child{border-bottom:none;}\n.pc-side-links a:hover{background:#eef3ff;color:var(--primary);}\n.pc-side-links a.current{color:var(--violet);background:#f5f3ff;}\n.pc-side-links .stag{margin-left:auto;font-size:10px;font-weight:800;background:#f5f3ff;color:var(--violet);border-radius:999px;padding:2px 7px;}\n@media(max-width:1060px){.pc-layout{grid-template-columns:1fr;}.pc-side{display:none;}}\n@media(max-width:820px){.pc-calc-grid{grid-template-columns:1fr;}.pc-hero h1{font-size:32px;}}\n@media(max-width:600px){.pc-hero{padding:26px 20px;}.pc-card{padding:18px;}.pc-bottom-grid{grid-template-columns:repeat(2,1fr);}}\n<\/style>\n\n<div class=\"pc-wrap\">\n<header class=\"pc-top\"><div class=\"pc-top-inner\"><a href=\"\/\" class=\"pc-logo\">Calc<em>Hub<\/em><\/a><div style=\"display:flex;gap:8px;\"><span class=\"pc-top-tag\">\ubb34\ub8cc \uacc4\uc0b0\uae30<\/span><span class=\"pc-top-tag\">\ubaa8\ubc14\uc77c \ucd5c\uc801\ud654<\/span><\/div><\/div><\/header>\n<nav class=\"pc-tabs-wrap\"><div class=\"pc-tabs\">\n  <a href=\"\/finance\/\" class=\"pc-tab\">\ud83d\udcb0 \uae08\uc735 \ud648<\/a>\n  <a href=\"\/finance\/loan-calculator\/\" class=\"pc-tab\">\ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/interest-calculator\/\" class=\"pc-tab\">\ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/compound-interest-calculator\/\" class=\"pc-tab\">\ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/savings-calculator\/\" class=\"pc-tab\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/investment-return-calculator\/\" class=\"pc-tab\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/pension-calculator\/\" class=\"pc-tab active\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/card-installment-calculator\/\" class=\"pc-tab\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n<\/div><\/nav>\n\n<div class=\"pc-con\">\n<nav class=\"pc-bc\"><a href=\"\/\">\ud648<\/a> &gt; <a href=\"\/finance\/\">\uae08\uc735 \uacc4\uc0b0\uae30<\/a> &gt; <strong>\uc5f0\uae08 \uacc4\uc0b0\uae30<\/strong><\/nav>\n\n<section class=\"pc-hero\"><div class=\"pc-hero-inner\">\n  <h1><small>IRP\u00b7\uc5f0\uae08\uc800\ucd95 \u00b7 \uc7a5\uae30 \ubcf5\ub9ac \u00b7 \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904<\/small>\uc5f0\uae08 \uacc4\uc0b0\uae30<\/h1>\n  <p class=\"pc-hero-desc\">\uc6d4 \ub0a9\uc785\uae08, \uc5f0 \uc218\uc775\ub960, \ub0a9\uc785 \uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \uc740\ud1f4 \uc2dc\uc810 \uc608\uc0c1 \uc5f0\uae08 \uc790\uc0b0, \ucd1d \uc218\uc775, \uc5f0\ub3c4\ubcc4 \uc801\ub9bd \uc2a4\ucf00\uc904\uc744 \uc989\uc2dc \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n  <div class=\"pc-hero-pills\">\n    <span class=\"pc-pill\">\ud83c\udfaf \uc740\ud1f4 \uc790\uc0b0 \uacc4\uc0b0<\/span>\n    <span class=\"pc-pill\">\ud83d\udcc8 \uc7a5\uae30 \ubcf5\ub9ac<\/span>\n    <span class=\"pc-pill\">\ud83d\udccb \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904<\/span>\n    <span class=\"pc-pill\">\ud83d\udd04 \ub0a9\uc785\uae08 \uc2dc\ub098\ub9ac\uc624<\/span>\n  <\/div>\n<\/div><\/section>\n\n<div class=\"pc-ad-wrap\" style=\"margin:18px 0 22px;text-align:center;\"><div class=\"pc-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=\"pc-layout\">\n<main class=\"pc-main\">\n<section class=\"pc-card\">\n<div class=\"pc-calc-grid\">\n<div>\n  <div class=\"pc-sec-label\">\ud83c\udfaf \uc5f0\uae08 \uc815\ubcf4 \uc785\ub825<\/div>\n  <div class=\"pc-field\">\n    <div class=\"pc-label\"><span>\uc6d4 \ub0a9\uc785\uae08<\/span><span class=\"pc-live\" id=\"pcMLive\">50\ub9cc\uc6d0<\/span><\/div>\n    <div class=\"pc-input-wrap\"><input class=\"pc-input\" id=\"pcM\" type=\"text\" value=\"500,000\" inputmode=\"numeric\"><span class=\"pc-unit\">\uc6d0<\/span><\/div>\n    <div class=\"pc-range-wrap\"><input class=\"pc-range\" id=\"pcMRange\" type=\"range\" min=\"10000\" max=\"10000000\" step=\"10000\" value=\"500000\"><div class=\"pc-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=\"pc-field\">\n    <div class=\"pc-label\"><span>\uc5f0 \uc218\uc775\ub960<\/span><span class=\"pc-live\" id=\"pcRLive\">5.0%<\/span><\/div>\n    <div class=\"pc-input-wrap\"><input class=\"pc-input\" id=\"pcR\" type=\"text\" value=\"5.0\" inputmode=\"decimal\"><span class=\"pc-unit\">%<\/span><\/div>\n    <div class=\"pc-range-wrap\"><input class=\"pc-range\" id=\"pcRRange\" type=\"range\" min=\"0.1\" max=\"20\" step=\"0.1\" value=\"5.0\"><div class=\"pc-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=\"pc-field\">\n    <div class=\"pc-label\"><span>\ub0a9\uc785 \uae30\uac04<\/span><span class=\"pc-live\" id=\"pcYLive\">30\ub144<\/span><\/div>\n    <div class=\"pc-input-wrap\"><input class=\"pc-input\" id=\"pcY\" type=\"text\" value=\"30\" inputmode=\"numeric\"><span class=\"pc-unit\">\ub144<\/span><\/div>\n    <div class=\"pc-range-wrap\"><input class=\"pc-range\" id=\"pcYRange\" type=\"range\" min=\"1\" max=\"50\" step=\"1\" value=\"30\"><div class=\"pc-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=\"pc-calc-btn\" onclick=\"calcPension()\">\ud83c\udfaf \uacc4\uc0b0\ud558\uae30<\/button>\n  <a href=\"#\" class=\"pc-native\" rel=\"nofollow sponsored noopener\" target=\"_blank\">\n    <div class=\"pc-native-inner\"><div><div class=\"pc-native-title\">\ud83d\udca1 \uc5f0\uae08\uc800\ucd95\u00b7IRP \uc0c1\ud488 \ube44\uad50<\/div><div class=\"pc-native-sub\">\ub0b4 \uc870\uac74\uc5d0 \ub9de\ub294 \uc5f0\uae08 \uc0c1\ud488\uc744 \ud55c \ubc88\uc5d0 \ube44\uad50\ud558\uc138\uc694<\/div><\/div><span class=\"pc-native-cta\">\ud655\uc778\ud558\uae30<\/span><\/div>\n    <span class=\"pc-native-badge\">\uad11\uace0<\/span>\n  <\/a>\n  <div class=\"pc-help\">\ud83d\udca1 <strong>\uc6d4 \ub0a9\uc785\uc2dd \ubcf5\ub9ac \uae30\uc900<\/strong>\uc73c\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc218\uc775\ub960\uc740 \uc0c1\ud488 \uc885\ub958\u00b7\uc218\uc218\ub8cc\u00b7\uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div>\n<\/div>\n<div>\n  <div class=\"pc-sec-label\">\ud83d\udcca \uacc4\uc0b0 \uacb0\uacfc<\/div>\n  <div class=\"pc-placeholder\" id=\"pcPlaceholder\"><div class=\"ico\">\ud83c\udfaf<\/div><p>\uc5f0\uae08 \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=\"pc-result\" id=\"pcResult\">\n    <div class=\"pc-result-hero\">\n      <div class=\"pc-result-hero-label\">\uc608\uc0c1 \uc5f0\uae08 \uc790\uc0b0<\/div>\n      <div class=\"pc-result-hero-val\" id=\"pcFinal\">\u2014<\/div>\n      <div class=\"pc-result-hero-sub\" id=\"pcHeroSub\">\u2014<\/div>\n    <\/div>\n    <div class=\"pc-result-row\"><span class=\"k\">\ucd1d \ub0a9\uc785\uae08<\/span><span class=\"v\" id=\"pcTotalPaid\">\u2014<\/span><\/div>\n    <div class=\"pc-result-row\"><span class=\"k\">\ucd1d \uc218\uc775<\/span><span class=\"v w\" id=\"pcProfit\">\u2014<\/span><\/div>\n    <div class=\"pc-result-row\"><span class=\"k\">\uc218\uc775 \ube44\uc911<\/span><span class=\"v vi\" id=\"pcProfitRatio\">\u2014<\/span><\/div>\n    <div class=\"pc-result-row\"><span class=\"k\">\uc6d4 \ub0a9\uc785\uae08<\/span><span class=\"v\" id=\"pcMonthlyDisplay\">\u2014<\/span><\/div>\n    <div class=\"pc-result-row\"><span class=\"k\">\uc5f0\ud3c9\uade0 \ubcf5\ub9ac \uc218\uc775\ub960<\/span><span class=\"v g\" id=\"pcCAGR\">\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\uc6d0\uae08 vs \uc218\uc775<\/div>\n      <div class=\"pc-bar-bg\"><div class=\"pc-bar-p\" id=\"pcBarP\" style=\"width:60%\"><\/div><div class=\"pc-bar-r\"><\/div><\/div>\n      <div class=\"pc-legend\"><span><span class=\"pc-dot\" style=\"background:var(--violet)\"><\/span>\ub0a9\uc785\uc6d0\uae08 <strong id=\"pcPPct\">\u2014<\/strong><\/span><span><span class=\"pc-dot\" style=\"background:var(--warn)\"><\/span>\uc218\uc775 <strong id=\"pcRPct\">\u2014<\/strong><\/span><\/div>\n    <\/div>\n    <div style=\"margin-top:18px;\">\n      <div style=\"font-size:12px;font-weight:700;color:var(--muted);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em;\">\ud83d\udca1 \ub0a9\uc785\uae08\ubcc4 \uc790\uc0b0 \ube44\uad50<\/div>\n      <div class=\"pc-scenario-grid\" id=\"pcScenarios\"><\/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=\"pc-card\">\n  <button class=\"pc-schedule-toggle\" onclick=\"togglePcSchedule()\" id=\"pcScheduleBtn\" aria-expanded=\"false\">\n    <span>\ud83d\udccb \uc5f0\ub3c4\ubcc4 \uc801\ub9bd \uc2a4\ucf00\uc904 \ubcf4\uae30<\/span>\n    <span id=\"pcArrow\" style=\"font-size:13px;\">\u25bc<\/span>\n  <\/button>\n  <div class=\"pc-schedule-wrap\" id=\"pcSchedule\">\n    <div class=\"pc-table-wrap\">\n      <table class=\"pc-table\"><thead><tr><th>\uc5f0\ucc28<\/th><th>\ub204\uc801 \ub0a9\uc785\uae08<\/th><th>\ub204\uc801 \uc218\uc775<\/th><th>\uc608\uc0c1 \uc790\uc0b0<\/th><th>\uc218\uc775 \ube44\uc911<\/th><\/tr><\/thead>\n      <tbody id=\"pcTableBody\"><\/tbody><\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"pc-ad-wrap\" style=\"text-align:center;padding:4px 0;\"><div class=\"pc-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=\"pc-card pc-content\" id=\"guide\">\n  <h2>\uc5f0\uae08 \uacc4\uc0b0\uae30\ub780?<\/h2>\n  <p>\uc5f0\uae08 \uacc4\uc0b0\uae30\ub294 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \ub0a9\uc785\ud588\uc744 \ub54c \uc740\ud1f4 \uc2dc\uc810\uc5d0 \uc5bc\ub9c8\uc758 \uc790\uc0b0\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud558\ub294 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95, IRP, \uac1c\uc778\uc5f0\uae08\ucc98\ub7fc \uc7a5\uae30\uac04 \ubcf5\ub9ac\ub85c \uc801\ub9bd\ub418\ub294 \uc0c1\ud488\uc77c\uc218\ub85d \uc2dc\uc791 \uc2dc\uc810\uacfc \uc218\uc775\ub960 \ucc28\uc774\uac00 \ucd5c\uc885 \uc790\uc0b0\uc5d0 \ud070 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n  <h3>\uc5f0\uae08 \uc790\uc0b0 \uacc4\uc0b0 \uacf5\uc2dd<\/h3>\n  <div class=\"pc-formula\">\ucd5c\uc885 \uc790\uc0b0 = \uc6d4 \ub0a9\uc785\uae08 \u00d7 ((1 + \uc6d4\uc774\uc790\uc728)^\ub0a9\uc785\uac1c\uc6d4 \u2212 1) \u00f7 \uc6d4\uc774\uc790\uc728 \u00d7 (1 + \uc6d4\uc774\uc790\uc728)<br>\uc6d4\uc774\uc790\uc728 = \uc5f0 \uc218\uc775\ub960 \u00f7 12<\/div>\n  <h3>\uc5f0\uae08\uc800\ucd95 vs IRP, \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/h3>\n  <p>\uc5f0\uae08\uc800\ucd95(\ud380\ub4dc\u00b7\ubcf4\ud5d8\u00b7\uc2e0\ud0c1)\uc740 \uc5f0 600\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \uac00\ub2a5\ud569\ub2c8\ub2e4. IRP\ub294 \uc5f0\uae08\uc800\ucd95\uacfc \ud569\uc0b0\ud574 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\uac00 \uac00\ub2a5\ud558\uba70, \ub450 \uc0c1\ud488 \ubaa8\ub450 55\uc138 \uc774\ud6c4 \uc5f0\uae08 \uc218\ub839 \uc2dc 3.3~5.5% \uc800\uc728 \uacfc\uc138 \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n  <div class=\"pc-callout\">\ud83d\udca1 <strong>\uc138\uc561\uacf5\uc81c \uc808\uc138 \ud6a8\uacfc:<\/strong> \uc5f0 900\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc 16.5% \uc138\uc561\uacf5\uc81c \uae30\uc900\uc73c\ub85c \uc5f0 148.5\ub9cc \uc6d0 \uc138\uae08 \ud658\uae09. 20\ub144\uac04 \ub0a9\uc785\ud558\uba74 \uc138\uae08 \ud658\uae09\ub9cc\uc73c\ub85c \uc57d 2,970\ub9cc \uc6d0 \uc808\uc138 \ud6a8\uacfc\uc785\ub2c8\ub2e4.<\/div>\n  <h3>\ube68\ub9ac \uc2dc\uc791\ud560\uc218\ub85d \uc720\ub9ac\ud55c \uc774\uc720<\/h3>\n  <p>30\uc138\uc5d0 \uc6d4 30\ub9cc \uc6d0\uc744 \uc5f0 5%\ub85c 30\ub144 \ub0a9\uc785\ud558\uba74 \uc57d 2\uc5b5 5\ucc9c\ub9cc \uc6d0. 40\uc138\uc5d0 \ub3d9\uc77c\ud55c \uc870\uac74\uc73c\ub85c 20\ub144 \ub0a9\uc785\ud558\uba74 \uc57d 1\uc5b5 2\ucc9c\ub9cc \uc6d0. 10\ub144 \ucc28\uc774\ub85c \uc790\uc0b0\uc774 2\ubc30 \uc774\uc0c1 \ubc8c\uc5b4\uc9d1\ub2c8\ub2e4. \uc774 \uacc4\uc0b0\uae30\ub85c \uc9c1\uc811 \ube44\uad50\ud574\ubcf4\uc138\uc694.<\/p>\n  <h3>\uc5f0\uae08 \uc218\ub839 \uc2dc \uc8fc\uc758\uc0ac\ud56d<\/h3>\n  <ul>\n    <li>55\uc138 \uc774\ud6c4 \uc5f0\uae08 \ud615\ud0dc \uc218\ub839 \uc2dc 3.3~5.5% \uc800\uc728 \uacfc\uc138 \uc801\uc6a9<\/li>\n    <li>\uc5f0\uac04 1,200\ub9cc \uc6d0 \ucd08\uacfc \uc218\ub839 \uc2dc \uc885\ud569\uc18c\ub4dd\uc138 \ud569\uc0b0 \uacfc\uc138 \ub300\uc0c1<\/li>\n    <li>\uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc138\uc561\uacf5\uc81c \ubc1b\uc740 \uae08\uc561 + \uc6b4\uc6a9 \uc218\uc775\uc5d0 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5% \ubd80\uacfc<\/li>\n    <li>\uc2e4\uc81c \uc218\uc775\ub960\uc740 \ud3b8\uc785 \uc790\uc0b0(\ucc44\uad8c\u00b7\uc8fc\uc2dd \ube44\uc911)\uacfc \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubcc0\ub3d9<\/li>\n  <\/ul>\n<\/section>\n\n<section class=\"pc-card pc-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>\uc5f0\uae08\uc740 \uc5b8\uc81c\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc88b\ub098\uc694?<\/summary><div class=\"ans\">\uac00\ub2a5\ud558\uba74 \ube68\ub9ac \uc2dc\uc791\ud560\uc218\ub85d \uc88b\uc2b5\ub2c8\ub2e4. \ubcf5\ub9ac \ud6a8\uacfc\ub294 \uc2dc\uac04\uc774 \uae38\uc218\ub85d \uadf9\uc801\uc73c\ub85c \ucee4\uc9d1\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc6d4 10~20\ub9cc \uc6d0\uc774\ub77c\ub3c4 IRP\ub098 \uc5f0\uae08\uc800\ucd95\uc744 \uc77c\ucc0d \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud558\uba70, \ub098\uc911\uc5d0 \uc218\uc785\uc774 \ub298\uba74 \ub0a9\uc785\uae08\uc744 \ub298\ub9ac\uba74 \ub429\ub2c8\ub2e4.<\/div><\/details>\n  <details><summary>\uc5f0\uae08\uc800\ucd95\uacfc IRP \uc911 \uc5b4\ub290 \uac83\uc744 \uba3c\uc800 \uac00\uc785\ud574\uc57c \ud558\ub098\uc694?<\/summary><div class=\"ans\">\uc77c\ubc18\uc801\uc73c\ub85c \uc5f0\uae08\uc800\ucd95\uc744 \uba3c\uc800 \uac00\uc785\ud558\uace0 \ub098\uba38\uc9c0 \ud55c\ub3c4\ub97c IRP\ub85c \ucc44\uc6b0\ub294 \ubc29\ubc95\uc774 \uad00\ub9ac\uac00 \ud3b8\ub9ac\ud569\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\uc740 \uc911\ub3c4 \uc778\ucd9c\uc774 \uc77c\ubd80 \uac00\ub2a5\ud558\uc9c0\ub9cc IRP\ub294 \ubc95\uc815 \uc0ac\uc720 \uc678 \uc911\ub3c4 \uc778\ucd9c\uc774 \uc81c\ud55c\ub429\ub2c8\ub2e4. \uc720\ub3d9\uc131\uc774 \uc911\uc694\ud558\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95 \ube44\uc911\uc744 \ub192\uc774\uc138\uc694.<\/div><\/details>\n  <details><summary>\uacc4\uc0b0\uae30 \uacb0\uacfc\uc640 \uc2e4\uc81c \uc5f0\uae08 \uc0c1\ud488 \uc218\uc775\uc774 \ub2e4\ub978 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/summary><div class=\"ans\">\uc774 \uacc4\uc0b0\uae30\ub294 \uc785\ub825\ud55c \uc218\uc775\ub960\uc774 \ub9e4\uc6d4 \uc77c\uc815\ud558\uac8c \ubcf5\ub9ac\ub85c \uc801\uc6a9\ub41c\ub2e4\uace0 \uac00\uc815\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc0c1\ud488\uc740 \uc6b4\uc6a9 \uc218\uc218\ub8cc(\uc5f0 0.1~1.5%), \uc2dc\uc7a5 \ubcc0\ub3d9\uc131, \uc790\uc0b0 \ube44\uc911 \ubcc0\ud654, \uc138\uc561\uacf5\uc81c \ubc0f \uc5f0\uae08 \uc218\ub839 \uc2dc \uacfc\uc138 \ub4f1\uc774 \ubc18\uc601\ub418\ubbc0\ub85c \uacb0\uacfc\uac00 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div><\/details>\n  <details><summary>\uc740\ud1f4 \ud6c4 \ub9e4\uc6d4 \uc5bc\ub9c8\uc529 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/summary><div class=\"ans\">\ucd1d \uc801\ub9bd \uc790\uc0b0\uc744 \uc218\ub839 \uae30\uac04(\ub144\uc218)\uc73c\ub85c \ub098\ub220 \ucd94\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608: 2\uc5b5 \uc6d0\uc744 20\ub144\uac04 \uc218\ub839\ud558\uba74 \uc6d4 \uc57d 83\ub9cc \uc6d0\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc218\ub839 \ubc29\uc2dd(\ud655\uc815\uae30\uac04\ud615\u00b7\uc885\uc2e0\ud615)\uacfc \uc6b4\uc6a9 \ubc29\uc2dd\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/div><\/details>\n  <details><summary>\uc5f0\uae08 \uc911\ub3c4 \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775\uc774 \uc788\ub098\uc694?<\/summary><div class=\"ans\">\uc138\uc561\uacf5\uc81c \ubc1b\uc740 \ub0a9\uc785\uae08\uacfc \uc6b4\uc6a9 \uc218\uc775\uc5d0 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \uc77c\uc2dc \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 16.5% \ubc1b\uc558\ub2e4\uba74 \ub3cc\ub824\ubc1b\uc740 \uc138\uae08\uc744 \ub2e4\uc2dc \ub0b4\ub294 \uc148\uc774\uc5b4\uc11c \uc2e4\uc9c8\uc801\uc73c\ub85c \uc6d0\uae08 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div><\/details>\n<\/section>\n\n<section class=\"pc-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=\"pc-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\/savings-calculator\/\">\ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30<\/a>\n  <a href=\"\/finance\/investment-return-calculator\/\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775<\/a>\n  <a href=\"\/finance\/card-installment-calculator\/\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80<\/a>\n<\/div><\/section>\n<\/main>\n\n<aside class=\"pc-side\"><div class=\"sticky\">\n  <div class=\"pc-side-box\"><div class=\"pc-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=\"pc-side-box\"><div class=\"pc-side-head\">\uae08\uc735 \uacc4\uc0b0\uae30 \ubaa9\ub85d<\/div><div class=\"pc-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\/\">\ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30<\/a>\n    <a href=\"\/finance\/pension-calculator\/\" class=\"current\">\ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30<span class=\"stag\">\ud604\uc7ac<\/span><\/a>\n    <a href=\"\/finance\/card-installment-calculator\/\">\ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30<\/a>\n  <\/div><\/div>\n  <div class=\"pc-side-box\"><div class=\"pc-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 mn=parseFloat(el.min)||0,mx=parseFloat(el.max)||100,v=parseFloat(el.value)||0;el.style.setProperty('--val',((v-mn)\/(mx-mn)*100).toFixed(1)+'%');}\nfunction bind(input,range,liveId,min,max,fmt,step){\n  function updLive(){var raw=parseNum(input.value);if(raw>0){range.value=Math.min(raw,max);document.getElementById(liveId).textContent=fmt(Math.min(raw,max));updRange(range);}}\n  function finalize(){var v=Math.max(min,Math.min(max,parseNum(input.value)));range.value=v;input.value=step==='dec'?v.toFixed(1):Math.round(v).toLocaleString('ko-KR');document.getElementById(liveId).textContent=fmt(v);updRange(range);}\n  function fromRange(){var v=parseNum(range.value);input.value=step==='dec'?v.toFixed(1):Math.round(v).toLocaleString('ko-KR');document.getElementById(liveId).textContent=fmt(v);updRange(range);}\n  input.addEventListener('focus',function(){this.value=parseNum(this.value)||'';});\n  input.addEventListener('input',updLive);input.addEventListener('blur',finalize);range.addEventListener('input',fromRange);finalize();\n}\nbind(document.getElementById('pcM'),document.getElementById('pcMRange'),'pcMLive',10000,10000000,fmtKor,'int');\nbind(document.getElementById('pcR'),document.getElementById('pcRRange'),'pcRLive',0.1,20,function(v){return v.toFixed(1)+'%';},'dec');\nbind(document.getElementById('pcY'),document.getElementById('pcYRange'),'pcYLive',1,50,function(v){return v+'\ub144';},'int');\n\nfunction calcFinal(m,r,y){var mr=r\/100\/12,n=y*12;return m*(Math.pow(1+mr,n)-1)\/mr*(1+mr);}\n\nwindow.calcPension=function(){\n  var monthly=parseNum(document.getElementById('pcM').value);\n  var annualRate=parseNum(document.getElementById('pcR').value);\n  var years=Math.round(parseNum(document.getElementById('pcY').value));\n  if(!monthly||!annualRate||!years){alert('\uc6d4 \ub0a9\uc785\uae08, \uc218\uc775\ub960, \uae30\uac04\uc744 \uc785\ub825\ud574\uc8fc\uc138\uc694.');return;}\n  var final=calcFinal(monthly,annualRate,years);\n  var totalPaid=monthly*years*12;\n  var profit=final-totalPaid;\n  var profitRatio=profit\/final*100;\n  var paidRatio=totalPaid\/final*100;\n  var cagr=(Math.pow(final\/totalPaid,1\/years)-1)*100;\n  document.getElementById('pcFinal').textContent=fmtWon(final);\n  document.getElementById('pcHeroSub').textContent=years+'\ub144 \u00b7 \uc5f0 '+annualRate.toFixed(1)+'% \u00b7 \uc6d4 '+fmtKor(monthly)+' \ub0a9\uc785';\n  document.getElementById('pcTotalPaid').textContent=fmtWon(totalPaid);\n  document.getElementById('pcProfit').textContent=fmtWon(profit);\n  document.getElementById('pcProfitRatio').textContent=profitRatio.toFixed(1)+'%';\n  document.getElementById('pcMonthlyDisplay').textContent=fmtWon(monthly);\n  document.getElementById('pcCAGR').textContent=cagr.toFixed(2)+'%';\n  document.getElementById('pcBarP').style.width=paidRatio.toFixed(1)+'%';\n  document.getElementById('pcPPct').textContent=paidRatio.toFixed(1)+'%';\n  document.getElementById('pcRPct').textContent=profitRatio.toFixed(1)+'%';\n  document.getElementById('pcPlaceholder').style.display='none';\n  var res=document.getElementById('pcResult');res.classList.remove('show');void res.offsetWidth;res.classList.add('show');\n  \/\/ \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904\n  var rows='';var balance=0;var mr=annualRate\/100\/12;\n  for(var y=1;y<=years;y++){\n    for(var m=1;m<=12;m++){balance=(balance+monthly)*(1+mr);}\n    var cumPaid=monthly*y*12;var cumProfit=balance-cumPaid;var profRat=cumProfit\/balance*100;\n    rows+='<tr><td>'+y+'\ub144\ucc28<\/td><td>'+fmtWon(cumPaid)+'<\/td><td>'+fmtWon(cumProfit)+'<\/td><td class=\"td-hi\">'+fmtWon(balance)+'<\/td><td>'+profRat.toFixed(1)+'%<\/td><\/tr>';\n  }\n  document.getElementById('pcTableBody').innerHTML=rows;\n  \/\/ \uc2dc\ub098\ub9ac\uc624\n  var amounts=[300000,500000,1000000];var html='';\n  amounts.forEach(function(amt){\n    var fv=calcFinal(amt,annualRate,years);var pr=fv-amt*years*12;var isActive=Math.abs(monthly-amt)<1;\n    html+='<div class=\"pc-scenario-card'+(isActive?' active-sc':'')+'\" onclick=\"applyMonthly('+amt+')\">'\n      +'<div class=\"sc-yr\">\uc6d4 '+fmtKor(amt)+'<\/div>'\n      +'<div class=\"sc-asset\">'+fmtKor(fv)+'<\/div>'\n      +'<div class=\"sc-profit\">\uc218\uc775 '+fmtKor(pr)+'<\/div>'+'<\/div>';\n  });\n  document.getElementById('pcScenarios').innerHTML=html;\n  try{(adsbygoogle=window.adsbygoogle||[]).push({});}catch(e){}\n};\n\nwindow.applyMonthly=function(amt){\n  var input=document.getElementById('pcM');\n  input.value=amt.toLocaleString('ko-KR');\n  document.getElementById('pcMRange').value=amt;\n  document.getElementById('pcMLive').textContent=fmtKor(amt);\n  updRange(document.getElementById('pcMRange'));\n  calcPension();\n  window.scrollTo({top:input.getBoundingClientRect().top+window.scrollY-80,behavior:'smooth'});\n};\n\nwindow.togglePcSchedule=function(){\n  var box=document.getElementById('pcSchedule');var arrow=document.getElementById('pcArrow');var btn=document.getElementById('pcScheduleBtn');\n  var open=box.classList.toggle('open');arrow.textContent=open?'\u25b2':'\u25bc';btn.setAttribute('aria-expanded',open);\n};\n\ndocument.addEventListener('DOMContentLoaded',function(){try{document.querySelectorAll('.adsbygoogle').forEach(function(ad){if(!ad.getAttribute('data-adsbygoogle-status')){(adsbygoogle=window.adsbygoogle||[]).push({});}});}catch(e){}});\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CalcHub \ubb34\ub8cc \uacc4\uc0b0\uae30\ubaa8\ubc14\uc77c \ucd5c\uc801\ud654 \ud83d\udcb0 \uae08\uc735 \ud648 \ud83d\udcca \ub300\ucd9c \uacc4\uc0b0\uae30 \ud83d\udcb5 \uc774\uc790 \uacc4\uc0b0\uae30 \ud83d\udcc8 \ubcf5\ub9ac \uacc4\uc0b0\uae30 \ud83c\udfe6 \uc801\uae08 \uacc4\uc0b0\uae30 \ud83d\udcbc \ud22c\uc790 \uc218\uc775 \uacc4\uc0b0\uae30 \ud83c\udfaf \uc5f0\uae08 \uacc4\uc0b0\uae30 \ud83d\udcb3 \uce74\ub4dc \ud560\ubd80 \uacc4\uc0b0\uae30 \ud648 &gt; \uae08\uc735 \uacc4\uc0b0\uae30 &gt; \uc5f0\uae08 \uacc4\uc0b0\uae30 IRP\u00b7\uc5f0\uae08\uc800\ucd95 \u00b7 \uc7a5\uae30 \ubcf5\ub9ac \u00b7 \uc5f0\ub3c4\ubcc4 \uc2a4\ucf00\uc904\uc5f0\uae08 \uacc4\uc0b0\uae30 \uc6d4 \ub0a9\uc785\uae08, \uc5f0 \uc218\uc775\ub960, \ub0a9\uc785 \uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \uc740\ud1f4 \uc2dc\uc810 \uc608\uc0c1&#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-124","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/124","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=124"}],"version-history":[{"count":5,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/124\/revisions"}],"predecessor-version":[{"id":207,"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/pages\/124\/revisions\/207"}],"wp:attachment":[{"href":"https:\/\/calculator.lineuplounge.co.kr\/en\/wp-json\/wp\/v2\/media?parent=124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}