Finance Mate - Calculator

Money decisions deserve better than guesswork. Finance Mate is a focused financial calculator suite built for people who live, work, or invest in Korea. All 12 calculators reflect 2026 Korean tax law, social insurance rates, and real estate regulations -- so the numbers you see are the numbers that actually apply to you. THE CALCULATORS Loans and Real Estate - Loan Calculator -- Model any loan with three repayment methods: equal principal and interest, equal principal, or balloon payment. View a full month-by-month amortization schedule showing principal, interest, and remaining balance at every step, plus grace periods and early-repayment simulation. - Rent Conversion (Jeonse to Monthly) -- Convert between Korea's unique Jeonse lump-sum deposit system and monthly rent, in both directions, using the conversion rate. - Capital Gains Tax -- Estimate tax liability on real estate sales with the long-term holding special deduction, the 2.5M KRW basic deduction, and the single-home exemption applied per current Korean tax code. Income and Taxes - Salary Calculator -- Enter your annual gross salary and instantly see your monthly net take-home pay after 2026 income tax brackets, dependent deductions, and social insurance deductions are applied. - Social Insurance Breakdown -- Line-by-line view of National Pension, National Health Insurance, Long-Term Care Insurance, and Employment Insurance contributions, split between employee and employer. - Severance Pay -- Enter your start and end dates plus your last three months of wages (bonus and unused-leave allowance included) to estimate your statutory severance. - VAT Calculator -- Toggle between tax-inclusive and tax-exclusive amounts at Korea's 10% standard rate. Savings and Investment - Compound Interest -- Project how your principal grows over time at any interest rate, with optional monthly contributions. Includes the Rule of 72 for quick mental estimates. - Savings Goal -- Enter a target amount and a deadline to find out how much you need to set aside each month to get there. - ROI Analyzer -- Input principal, current value, and holding period to compute total return and annualized CAGR. Everyday Money - Exchange Rate Converter -- Multi-currency conversion using current market rates. - Inflation Calculator -- See what your money is really worth once inflation is taken into account. SCENARIO COMPARISON The calculators support side-by-side scenario comparison. Model two different loan terms, or simulate how a raise changes your net pay, and see both results on one screen. Save a comparison and reopen it later, along with your full calculation history. 2026 TAX RATES, NOT LAST YEAR'S Tax brackets shift. Insurance rates adjust. Finance Mate stays current so you do not have to verify whether the app's numbers match this year's rules. The 2026 Korean income tax brackets, the four social insurance contribution rates (National Pension, Health Insurance, Long-Term Care, Employment Insurance), and capital gains deduction schedules are already built in. Available in Korean and English. Finance Mate is free to use and supported by ads. If you prefer, a one-time in-app purchase removes them permanently. Results are estimates for reference only. Actual taxes, contributions, and loan terms may differ from those determined by your financial institution or the tax authority.