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Do you know how much you actually receive from "14% Annual Installment Savings" advertisements?

The calculation method for installment savings interest rates differs from that of regular deposits.

Because payments are made in monthly installments, you receive 12 months' worth of interest on the first installment, while the final installment receives only one month's worth.

Therefore, the return on investment based on the total deposit amount is only slightly more than half of the advertised rate.

"Installment Savings Rate Comparison" is an app that directly exposes this illusion.

It automatically retrieves data from the Financial Supervisory Service every morning to display the ranking of the highest interest rates,

and simultaneously shows how much that rate actually corresponds to in terms of fixed deposit percentages (the perceived rate).

■ Perceived Interest Rate — The Core of This App

· 4% Annual Installment Savings = Equivalent to 2.17% Annual Fixed Deposit

· 14% Annual Installment Savings = Equivalent to 7.58% Annual Fixed Deposit

· Explains the calculation process in detail

· Displays the perceived interest rate for each product in the ranking list

■ Ranking of Highest Interest Rates by Period

· 6 / 12 / 24 / 36 Months — Instantly re-sort by desired period

· Compare Banks and Savings Banks on a single screen using filters

· Displays both the highest preferential rate and the base rate

· Provides the full text of preferential conditions — Eliminates the "They said 14%, but it's only 2%" error

■ How Much You Receive at Maturity

· Calculates the maturity payout immediately just by entering the monthly deposit amount

· Displays the principal deposited, after-tax interest, and taxes separately

· Compares General Taxation (15.4%), Tax Preferential Rate (1.4%), and Tax-Exempt Rates

■ Manage My Installment Savings

· Displays the payment progress rate when you register your current installment savings (3/6 Installments)

· Maturity D-day, maturity payout amount, and perceived interest rate at a glance

· Accurately calculate "+ amount after-tax at maturity" when switching to the #1 rate now

■ Notifications You Won't Miss

· Notify when the #1 savings rate changes

· Notify when new high-interest products, such as special offers, are released

· Notify D-7 / D-3 / Day of Maturity

· Notify when a higher interest rate than your current rate appears, along with the benefits of switching

■ Interest Rate Trends

· Graphs based on the #1 rate recorded daily

· Trends for banks and savings banks separately, as well as increases/decreases compared to 7 days ago

■ Home Screen Widget

· Check today's #1 rate without opening the app

■ What Makes It Different

· No membership registration. We do not collect personal information.

· Your savings information is not transmitted to a server but is stored only on your device.

· We do not sell or broker financial products. It is a tool that displays publicly disclosed information.

· We display publicly disclosed numbers exactly as they are, without processing, and include the reference date. ■ Data Source

Financial Product Comparison Disclosure System (Financial Supervisory Service) Financial Company Product Information

Disclosed interest rates are updated daily at 07:00 (KST).

As interest rates and transaction conditions may change frequently depending on the circumstances of the financial company,

please be sure to verify with the relevant financial company before signing up.

The interest calculation provided in the app is an example amount for reference only.