Newlywed Financial Plan Calculator

Project household savings, shared goals, tax drag, fees, and stress-case value for a newlywed financial plan.

Newlywed integrated financial plan

Plan newlywed budget, savings, housing purchase year, loan eligibility, DSR, and Korean tax benefits using the Korean newlywed finance engine.

Monthly surplus

₩2,502,308

Savings rate 48.1%

Additional loan capacity

₩592,973,454

DSR 0.0%

Annual tax benefit

₩1,630,000

Final projected asset

₩282,333,704

Home purchase year

3

Financial health

A

100/100

Uses the Korean newlywed planning engine with 2026 income tax, social insurance, DSR, Didimdol/Bogeumjari/jeonse loan, and 2024-2026 marriage tax-credit logic. 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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Newlywed financial plan guide

This English guide translates the Korean newlywed integrated finance page. The calculator calls calculateNewlywedFinancialPlan and keeps Korean income tax, social insurance, DSR, housing loan, savings projection, and tax-benefit logic.

Budget and household surplus

The Korean engine first converts each spouse annual salary into estimated net monthly income after income tax and social insurance. It then subtracts monthly rent or loan payment, living cost, insurance, transportation, and other spending to compute monthly surplus and savings rate.

This matters because a newlywed plan that looks affordable on gross salary can fail after fixed expenses, existing debt, and child-planning assumptions. The result displays the actual monthly surplus used for savings projection.

Loans, DSR, and housing roadmap

The loan module estimates combined annual income, current DSR, additional loan capacity, and eligibility for Didimdol, Bogeumjari, and jeonse loan cases. It does not replace a lender screening, but it keeps the Korean policy-loan assumptions in the same place as the budget plan.

The savings projection uses current savings, monthly savings target, expected return, projection years, target housing price, and down-payment requirement to estimate the home purchase year. It also shows emergency fund target and whether the current savings cover it.

Tax benefits for newlyweds

For marriage report years 2024 to 2026, the Korean page preserves the KRW 1,000,000 marriage tax credit maximum per couple. It also models housing subscription deduction at 40% with a KRW 2.4 million cap where applicable.

Child-related benefits are included through planned children and first child birth year. The result combines marriage tax credit, housing deduction, childcare deduction, and total annual tax benefit, then folds the outcome into financial health scoring.