{"id":70,"date":"2026-08-19T06:59:20","date_gmt":"2026-08-19T06:59:20","guid":{"rendered":"https:\/\/tools.newlifecoordinate.com\/deposit-calculator\/"},"modified":"2026-09-11T03:39:24","modified_gmt":"2026-09-11T03:39:24","slug":"deposit-calculator","status":"publish","type":"page","link":"https:\/\/tools.newlifecoordinate.com\/en_US\/deposit-calculator\/","title":{"rendered":"\uc608\uae08\u00b7\uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\uc608\uae08 \ub610\ub294 \uc801\uae08 \uc870\uac74\uc744 \uc785\ub825\ud558\uba74 \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \ubc29\uc2dd\uc5d0 \ub530\ub978 \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790\uc640 \ub9cc\uae30 \uc218\ub839\uc561\uc744 \uacc4\uc0b0\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<div id=\"dp-calc\" style=\"max-width:460px;font-family:sans-serif;border:1px solid #333333;border-radius:12px;padding:20px;background:#1c1c1e;\">\n  <label style=\"font-weight:600;\">\uc0c1\ud488 \uc720\ud615<\/label><br \/>\n  <select id=\"dp-type\" style=\"width:100%;padding:10px;margin:6px 0 14px;box-sizing:border-box;border:1px solid #3d3d3f;background:#242426;color:#f2f2f2;\"><option value=\"deposit\">\uc608\uae08 (\uac70\uce58\uc2dd, \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \uc608\uce58)<\/option><option value=\"saving\">\uc801\uae08 (\uc801\ub9bd\uc2dd, \ub9e4\uc6d4 \ub0a9\uc785)<\/option><\/select><br \/>\n  <label style=\"font-weight:600;\">\uc608\uae08 \uc6d0\uae08 \ub610\ub294 \uc801\uae08 \uc6d4\ub0a9\uc785\uc561 (\ub9cc\uc6d0)<\/label><br \/>\n  <input id=\"dp-amount\" type=\"number\" placeholder=\"\uc608: 100\" style=\"width:100%;padding:10px;margin:6px 0 14px;box-sizing:border-box;border:1px solid #3d3d3f;background:#242426;color:#f2f2f2;\"><br \/>\n  <label style=\"font-weight:600;\">\uc5f0\uc774\uc790\uc728 (%)<\/label><br \/>\n  <input id=\"dp-rate\" type=\"number\" step=\"0.01\" placeholder=\"\uc608: 3.5\" style=\"width:100%;padding:10px;margin:6px 0 14px;box-sizing:border-box;border:1px solid #3d3d3f;background:#242426;color:#f2f2f2;\"><br \/>\n  <label style=\"font-weight:600;\">\uac00\uc785\uae30\uac04 (\uac1c\uc6d4)<\/label><br \/>\n  <input id=\"dp-months\" type=\"number\" placeholder=\"\uc608: 12\" style=\"width:100%;padding:10px;margin:6px 0 14px;box-sizing:border-box;border:1px solid #3d3d3f;background:#242426;color:#f2f2f2;\"><br \/>\n  <label style=\"font-weight:600;\">\uc774\uc790 \uacc4\uc0b0\ubc29\uc2dd<\/label><br \/>\n  <select id=\"dp-method\" style=\"width:100%;padding:10px;margin:6px 0 14px;box-sizing:border-box;border:1px solid #3d3d3f;background:#242426;color:#f2f2f2;\"><option value=\"simple\">\ub2e8\ub9ac<\/option><option value=\"compound\">\ubcf5\ub9ac<\/option><\/select><br \/>\n  <button id=\"dp-btn\" style=\"width:100%;padding:12px;background:#3b82f6;color:#fff;border:none;border-radius:8px;font-weight:600;cursor:pointer;\">\uacc4\uc0b0\ud558\uae30<\/button><\/p>\n<div id=\"dp-result\" style=\"margin-top:16px;display:none;\">\n<div style=\"background:rgba(59,130,246,0.14);border-radius:8px;padding:14px;margin-bottom:8px;\">\n      <span style=\"color:#9a9a9a;font-size:14px;\">\uc138\ud6c4 \ub9cc\uae30 \uc218\ub839\uc561<\/span><\/p>\n<div id=\"dp-maturity\" style=\"font-size:26px;font-weight:700;color:#60a5fa;\"><\/div>\n<\/p><\/div>\n<div style=\"background:rgba(255,255,255,0.04);border-radius:8px;padding:14px;\">\n<table style=\"width:100%;font-size:14px;color:#d0d0d0;border-collapse:collapse;\">\n<tr>\n<td style=\"padding:4px 0;color:#9a9a9a;\">\uc6d0\uae08 (\ucd1d \ub0a9\uc785\uc561)<\/td>\n<td style=\"padding:4px 0;text-align:right;\" id=\"dp-principal\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:4px 0;color:#9a9a9a;\">\uc138\uc804 \uc774\uc790<\/td>\n<td style=\"padding:4px 0;text-align:right;\" id=\"dp-interest\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:4px 0;color:#9a9a9a;\">\uc774\uc790\uc18c\ub4dd\uc138 (15.4%)<\/td>\n<td style=\"padding:4px 0;text-align:right;\" id=\"dp-tax\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:4px 0;color:#9a9a9a;\">\uc138\ud6c4 \uc774\uc790<\/td>\n<td style=\"padding:4px 0;text-align:right;\" id=\"dp-nettax\"><\/td>\n<\/tr>\n<\/table><\/div>\n<\/p><\/div>\n<\/div>\n<p><script>\n(function(){\n  function fmt(n){ return Math.round(n).toLocaleString('ko-KR') + '\uc6d0'; }\n  function calc(){\n    const type = document.getElementById('dp-type').value;\n    const amount = parseFloat(document.getElementById('dp-amount').value) * 10000;\n    const rate = parseFloat(document.getElementById('dp-rate').value) \/ 100;\n    const months = parseInt(document.getElementById('dp-months').value || 0);\n    const method = document.getElementById('dp-method').value;\n    if (!amount || amount <= 0 || isNaN(rate) || rate < 0 || !months || months <= 0) return;\n\n    let principalTotal = 0, interest = 0;\n    if (type === 'deposit') {\n      principalTotal = amount;\n      if (method === 'simple') {\n        interest = amount * rate * (months \/ 12);\n      } else {\n        interest = amount * Math.pow(1 + rate \/ 12, months) - amount;\n      }\n    } else {\n      principalTotal = amount * months;\n      if (method === 'simple') {\n        interest = amount * rate * (months * (months + 1)) \/ 2 \/ 12;\n      } else {\n        let balance = 0;\n        for (let i = 0; i < months; i++){\n          balance = (balance + amount) * (1 + rate \/ 12);\n        }\n        interest = balance - principalTotal;\n      }\n    }\n\n    const tax = interest * 0.154;\n    const netInterest = interest - tax;\n    const maturity = principalTotal + netInterest;\n\n    document.getElementById('dp-maturity').textContent = fmt(maturity);\n    document.getElementById('dp-principal').textContent = fmt(principalTotal);\n    document.getElementById('dp-interest').textContent = fmt(interest);\n    document.getElementById('dp-tax').textContent = fmt(tax);\n    document.getElementById('dp-nettax').textContent = fmt(netInterest);\n    document.getElementById('dp-result').style.display = 'block';\n  }\n  document.getElementById('dp-btn').addEventListener('click', calc);\n})();\n<\/script><\/p>\n<h2 class=\"wp-block-heading\">\uc608\uae08\u00b7\uc801\uae08 \uc774\uc790 \uacc4\uc0b0 \uae30\uc900<\/h2>\n<p class=\"wp-block-paragraph\">\uc774 \uacc4\uc0b0\uae30\ub294 \uc785\ub825\ud55c \uc6d0\uae08(\ub610\ub294 \uc6d4\ub0a9\uc785\uc561), \uc5f0\uc774\uc790\uc728, \uac00\uc785\uae30\uac04\uc744 \uae30\uc900\uc73c\ub85c \ub2e8\ub9ac \ub610\ub294 \ubcf5\ub9ac \ubc29\uc2dd\uc758 \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790\ub97c \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc801\uae08(\uc801\ub9bd\uc2dd)\uc740 \ub9e4\uc6d4 \ub0a9\uc785\uc561\uc774 \uc21c\ucc28\uc801\uc73c\ub85c \uc313\uc774\ub294 \uad6c\uc870\ub97c \ubc18\uc601\ud574 \uacc4\uc0b0\ud558\uba70, \uc774\uc790\uc18c\ub4dd\uc138\ub294 \uc77c\ubc18\uacfc\uc138 \uae30\uc900 15.4%(\uc18c\ub4dd\uc138 14% + \uc9c0\ubc29\uc18c\ub4dd\uc138 1.4%)\ub97c \uc801\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p class=\"wp-block-paragraph\">\u203b \uc2e4\uc81c \uc0c1\ud488\uc758 \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd\uc740 \uc740\ud589\ubcc4\ub85c \ub2e4\ub97c \uc218 \uc788\uc73c\ub2c8 \uc0c1\ud488 \uc124\uba85\uc11c\ub97c \ud568\uaed8 \ud655\uc778\ud558\uc138\uc694. \ube44\uacfc\uc138\uc885\ud569\uc800\ucd95\u00b7\uc138\uae08\uc6b0\ub300\uc800\ucd95 \ub4f1\uc740 \uc138\uc728\uc774 \ub2e4\ub974\uac8c \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n<p class=\"wp-block-paragraph\">Q. \uc608\uae08\uacfc \uc801\uae08\uc758 \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd\uc774 \ub2e4\ub978\uac00\uc694?<br \/>A. \uc608\uae08(\uac70\uce58\uc2dd)\uc740 \ucc98\uc74c\uc5d0 \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \uc608\uce58\ud558\ubbc0\ub85c \uc6d0\uae08 \uc804\uccb4\uc5d0 \ub300\ud574 \uc57d\uc815 \uae30\uac04\ub9cc\ud07c \uc774\uc790\uac00 \ubd99\uc2b5\ub2c8\ub2e4. \uc801\uae08(\uc801\ub9bd\uc2dd)\uc740 \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc744 \ub098\ub220 \ub0a9\uc785\ud558\ubbc0\ub85c, \uba3c\uc800 \ub0a9\uc785\ud55c \uae08\uc561\uc77c\uc218\ub85d \uc774\uc790\uac00 \ubd99\ub294 \uae30\uac04\uc774 \uae38\uc5b4 \uc2e4\uc81c \uc218\ub839 \uc774\uc790\uac00 '\uc5f0\uc774\uc728\u00d7\uc6d0\uae08'\ubcf4\ub2e4 \uc791\uac8c \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/p>\n<p class=\"wp-block-paragraph\">Q. \uc138\ud6c4 \uc774\uc790\ub294 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\ub098\uc694?<br \/>A. \uc77c\ubc18\uacfc\uc138 \uae30\uc900\uc73c\ub85c \uc774\uc790\uc18c\ub4dd\uc138 14%\uc640 \uc9c0\ubc29\uc18c\ub4dd\uc138 1.4%\ub97c \ub354\ud55c 15.4%\uac00 \uc6d0\ucc9c\uc9d5\uc218\ub429\ub2c8\ub2e4. \ube44\uacfc\uc138\uc885\ud569\uc800\ucd95\uc774\ub098 \uc138\uae08\uc6b0\ub300\uc800\ucd95 \ub4f1 \ubcc4\ub3c4 \uc0c1\ud488\uc5d0 \uac00\uc785\ud55c \uacbd\uc6b0 \uc138\uc728\uc774 \ub2e4\ub974\uac8c \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">More Related Tools<\/h2>\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 \ub300\ucd9c\uc744 \uace0\ub824 \uc911\uc774\uc2dc\ub77c\uba74 <a href=\"https:\/\/tools.newlifecoordinate.com\/en_US\/loan-calculator\/\">\ub300\ucd9c\uc774\uc790 \uacc4\uc0b0\uae30<\/a>\ub85c \uc0c1\ud658 \uacc4\ud68d\ub3c4 \ube44\uad50\ud574\ubcf4\uc2dc\uace0, \uc6d4\uae09 \uc2e4\uc218\ub839\uc561\uc740 <a href=\"https:\/\/tools.newlifecoordinate.com\/en_US\/salary-calculator\/\">\uc2e4\uc218\ub839\uc561 \uacc4\uc0b0\uae30<\/a>\ub85c \ud655\uc778\ud574\ubcf4\uc138\uc694. \ubaa9\ub3c8\uc744 \uc624\ub798 \uad74\ub838\uc744 \ub54c\uc758 \uc7a5\uae30 \ubcc0\ud654\uac00 \uad81\uae08\ud558\ub2e4\uba74 <a href=\"https:\/\/tools.newlifecoordinate.com\/en_US\/compound-interest-calculator\/\">\ubcf5\ub9ac \uacc4\uc0b0\uae30<\/a>\ub85c \uc5f0\ub3c4\ubcc4 \uc790\uc0b0 \ubcc0\ud654\ub3c4 \ud655\uc778\ud574\ubcf4\uc138\uc694.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc608\uae08 \ub610\ub294 \uc801\uae08 \uc870\uac74\uc744 \uc785\ub825\ud558\uba74 \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \ubc29\uc2dd\uc5d0 \ub530\ub978 \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790\uc640 \ub9cc\uae30 \uc218\ub839\uc561\uc744 \uacc4\uc0b0\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \uc0c1\ud488 \uc720\ud615 \uc608\uae08 (\uac70\uce58\uc2dd, \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \uc608\uce58)\uc801\uae08 (\uc801\ub9bd\uc2dd, \ub9e4\uc6d4 \ub0a9\uc785) \uc608\uae08 \uc6d0\uae08 \ub610\ub294 \uc801\uae08 \uc6d4\ub0a9\uc785\uc561 (\ub9cc\uc6d0) \uc5f0\uc774\uc790\uc728 (%) \uac00\uc785\uae30\uac04 (\uac1c\uc6d4) \uc774\uc790 \uacc4\uc0b0\ubc29\uc2dd \ub2e8\ub9ac\ubcf5\ub9ac \uacc4\uc0b0\ud558\uae30 \uc138\ud6c4 \ub9cc\uae30 \uc218\ub839\uc561 \uc6d0\uae08 (\ucd1d \ub0a9\uc785\uc561) \uc138\uc804 \uc774\uc790 \uc774\uc790\uc18c\ub4dd\uc138 (15.4%) \uc138\ud6c4 \uc774\uc790 \uc608\uae08\u00b7\uc801\uae08 \uc774\uc790 \uacc4\uc0b0 \uae30\uc900 \uc774 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-70","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\uc608\uae08 \uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30, \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \uc138\ud6c4 \uc774\uc790 \uacc4\uc0b0<\/title>\n<meta name=\"description\" content=\"\uc608\uae08\u00b7\uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30\ub85c \uc6d0\uae08\uacfc \uc5f0\uc774\uc790\uc728, \uac00\uc785\uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \ubc29\uc2dd\uc758 \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790\uc640 \ub9cc\uae30 \uc218\ub839\uc561\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uc740\ud589 \uc0c1\ud488\uc758 \uc2e4\uc81c \uc774\uc790\ub97c \ube44\uad50\ud558\uace0 \uc2f6\uc744 \ub54c \ud68c\uc6d0\uac00\uc785 \uc5c6\uc774 \ubb34\ub8cc\ub85c \ubc14\ub85c \uacc4\uc0b0\ud574\ubcf4\uc138\uc694.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tools.newlifecoordinate.com\/en_US\/deposit-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc608\uae08 \uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30, \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \uc138\ud6c4 \uc774\uc790 \uacc4\uc0b0\" \/>\n<meta property=\"og:description\" content=\"\uc608\uae08\u00b7\uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30\ub85c \uc6d0\uae08\uacfc \uc5f0\uc774\uc790\uc728, \uac00\uc785\uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \ubc29\uc2dd\uc758 \uc138\uc804\u00b7\uc138\ud6c4 \uc774\uc790\uc640 \ub9cc\uae30 \uc218\ub839\uc561\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uc740\ud589 \uc0c1\ud488\uc758 \uc2e4\uc81c \uc774\uc790\ub97c \ube44\uad50\ud558\uace0 \uc2f6\uc744 \ub54c \ud68c\uc6d0\uac00\uc785 \uc5c6\uc774 \ubb34\ub8cc\ub85c \ubc14\ub85c \uacc4\uc0b0\ud574\ubcf4\uc138\uc694.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tools.newlifecoordinate.com\/en_US\/deposit-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"\ub274\ub77c\uc774\ud504 \ub3c4\uad6c\ubaa8\uc74c\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-11T03:39:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tools.newlifecoordinate.com\/wp-content\/uploads\/2026\/09\/site_social_image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/tools.newlifecoordinate.com\\\/deposit-calculator\\\/\",\"url\":\"https:\\\/\\\/tools.newlifecoordinate.com\\\/deposit-calculator\\\/\",\"name\":\"\uc608\uae08 \uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30, \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \uc138\ud6c4 \uc774\uc790 \uacc4\uc0b0\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/tools.newlifecoordinate.com\\\/#website\"},\"datePublished\":\"2026-08-19T06:59:20+00:00\",\"dateModified\":\"2026-09-11T03:39:24+00:00\",\"description\":\"\uc608\uae08\u00b7\uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uae30\ub85c \uc6d0\uae08\uacfc \uc5f0\uc774\uc790\uc728, \uac00\uc785\uae30\uac04\uc744 \uc785\ub825\ud558\uba74 \ub2e8\ub9ac\u00b7\ubcf5\ub9ac \ubc29\uc2dd\uc758 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