The tools you need,
fast, in one place

A free all-in-one Korean tool portal — calculators for payroll, tax and property, text, developer and image tools, mini-games and tests — 200+ tools and 48 explainers, each result showing the basis it applied.

Calculators

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Tax & Payroll

Finance & Investment

Real Estate

Labor & Work

Health & Life

Study & Misc

Date & Time

Math & Basic

Unit Converters

Developer

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Image

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Games

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Tests

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Calqu Guide

This page lays out every Calqu tool by section — calculators for tax, payroll, property and finance, text, developer and image tools, and quick mini-games and tests. Skim the blocks below if you want to settle on a category first; if the name of what you need already comes to mind, the magnifier in the header is quicker. Anything you open once stays in the "Recently used" row above for your next visit.

Nothing here needs an install or an account, and most of what you type stays in the browser instead of travelling to a server. A result can be handed on as an address that carries the values, or pasted into a blog post as an embed, so someone else sees the very screen you saw.

Anything tied to money or regulation states which point in time it follows and where the figures come from. Rates, contribution percentages and deduction caps are revised annually, so the same inputs give a different amount under a different reference year. When the subject itself is unfamiliar, reading the matching guide or insight article first makes the outcome much easier to interpret.

Read the Reasoning in the Guides

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Why Compound Interest Beats Simple Interest — and the Rule of 72 Simple interest accrues only on the original principal, so the interest paid out each year is identical. Compound interest instead treats the running total — principal plus everything earned so far — as the new base for the next calculation, creating a snowball where interest itself starts generating more interest. The gap looks tiny in the first few years, but it grows into something impossible to ignore the longer the money stays invested. DSR, DTI, LTV: Similar Names, Different Math All three answer "how much can I borrow," but they use different yardsticks. DSR compares all loans’ principal and interest , including credit loans and card loans, against income; DTI was originally designed around mortgages specifically; and LTV sets the limit based on the collateral home’s value , not income at all. In practice, the actual loan ceiling is whichever is smaller between the DSR-based limit and the LTV-based limit , each calculated separately. The 40% figure above applies to banks ; non-bank lenders (savings banks, insurers, etc.) currently use a looser 50% cap for borrowers with total loans over 100,000,000 KRW. 3.3% Comes Out at Contract, and Gets Settled Again in May When a freelancer (business-income earner) gets paid by a client, the client is required to withhold 3.3% withholding tax up front and pay only the remainder. That 3.3% breaks down into 3% income tax + 0.3% local income tax , prepaid to the tax authority on the freelancer’s behalf — conceptually similar to how payroll deductions work for employees. For a 1,000,000 KRW contract, for example, income tax of 30,000 KRW plus local tax of 3,000 KRW = 33,000 KRW is withheld, and only 967,000 KRW actually lands in the account.