Individual Treasury Bond Calculator
Estimate individual treasury bond value after coupon, tax drag, inflation assumptions, and rate stress.
Individual treasury bond yield and separate-tax calculator
Estimate Korean individual treasury bond maturity proceeds, added rate, early redemption loss, and separate-tax benefit for 3, 5, 10, and 20 year maturities.
Maturity net amount
₩14,565,408
Net CAGR
3.8%
Tax saving
₩0
Separate-tax eligible
Yes
Early redemption net
₩10,865,458
Verdict
분리과세 절세
만기까지 보유하면 적용금리 4.41%를 연복리로 받아 10년 뒤 세후 약 14,565,408원(세후 연평균 3.83%)을 수령합니다. 이자소득은 14%(지방세 포함 15.4%)로 분리과세돼 금융소득종합과세 합산에서 빠집니다. 끝까지 보유하지 못하고 중도환매하면 가산금리·복리·분리과세를 모두 잃어 연환산 수익률이 2.88%로 떨어집니다.
Uses calcIndividualTreasuryBond with 3/5/10/20-year maturities, added-rate compounding, KRW 200 million separate-tax limit, 15.4% separate tax, and early-redemption loss rules. 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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