Deposit Protection Spread Calculator

Estimate how spreading deposits across institutions affects protected value, yield drag, and liquidity stress.

Deposit protection spread calculator

Estimate how Korean deposits should be spread across institutions under the KRW 100 million principal-plus-interest protection limit effective 2025-09-01.

Protected amount

₩181,125,000

90.0% of total

At-risk amount

₩20,000,000

Extra protected by 2025 raise

₩81,125,000

Safe principal per institution

₩96,610,000

Additional institutions needed

0

Verdict

일부 미보호

현재 20,000,000원이 예금자보호 한도를 넘어 보호받지 못합니다(보호 커버리지 90%). 다만 펀드·주식 등 비보호 상품 20,000,000원은 분산이 아니라 원금보장형 상품으로 옮겨야 보호됩니다.

Calls calcSpread with Korean per-institution protection rules, the 2025-09-01 KRW 100 million limit, previous KRW 50 million comparison, post-office unlimited treatment, and non-protected product handling. This English finance calculator calls the same Korean pure calculation module as the Korean page. KRW and Korean statutory thresholds are preserved instead of the old generic percentage stub.

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Deposit protection spread guide

This English guide translates the Korean deposit-protection spread calculator. The calculator calls calcSpread and preserves the Korean per-institution protection, previous-limit comparison, interest inclusion, and non-protected product logic.

Protection limit after 2025-09-01

From 2025-09-01, the Korean model uses a KRW 100 million protection limit per depositor per financial institution for principal plus interest. The previous limit was KRW 50 million previous limit, so the calculator also reports the extra protected amount created by the raise.

The protection limit applies to the total at the same legal institution, not to each branch or each account screen. The model therefore aggregates accounts by institution type and name inside the account list.

Interest, warning threshold, and safe principal

When interest is included, principal alone should usually be below KRW 100 million because principal plus interest is what counts. The Korean engine computes estimated pre-tax interest from rate and months, then calculates safe principal per institution.

A 90% warning threshold is used to flag balances that are technically under the limit but close enough that accrued interest can push them over. This warning is useful before maturity, especially for high-rate savings-bank deposits.

Institution types and non-protected products

Banks, savings banks, and mutual finance institutions are modeled as spreadable protected institutions. A post office deposit is treated as post office full government guarantee, while non-protected products are marked outside the deposit insurance limit.

Non-protected products can include securities products, subordinated bonds, RP, CD, and similar instruments depending on the product. The calculator reports non-protected at-risk amount separately so users do not confuse yield products with insured deposits.