Foreign Currency Insurance Calculator
Estimate foreign-currency insurance value after FX movement, premium cost, tax drag, and downside scenario.
Foreign-currency insurance FX and tax calculator
Estimate Korean foreign-currency insurance proceeds under down, keep, and up FX scenarios, insurance expenses, tax exemption, and breakeven exchange rate.
Accumulated foreign value
83,050
Won value at keep FX
₩114,608,637
FX-down net value
₩97,417,341
FX-up net value
₩131,799,932
Breakeven FX rate
₩1,245
-9.8% from entry
Verdict
환율 변동에 민감
환율이 그대로라면 외화보험이 11,204,133원 유리하지만, 환율이 변동폭만큼 떨어지면 원화보험보다 불리해집니다. 외화보험은 사실상 환율에 베팅하는 셈입니다. 손익분기 환율은 약 1,245원(가입환율 대비 -9.8%)으로, 수령 시점 환율이 이보다 높아야 외화보험이 유리합니다.
Uses calcForeignCurrencyInsurance with USD, JPY, EUR, and CNY premiums, 10-year tax-exemption tests, entry FX rate, scenario band, insurance expense, and breakeven FX logic. This English finance calculator calls the same Korean pure calculation module as the Korean page. KRW, Korean statutory thresholds, tax rates, and product rules are preserved instead of the old generic percentage stub.
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