Youth Future Savings Calculator
Launching June 2026 for Korean youth aged 19-34. Save up to ₩500K/month for 3 years; receive ₩20.8-22M including government match and interest.
Deposit Inputs
Cap ₩500,000
Korean youth savings avg 4-6%. Verify on launch.
Maturity Simulation (3 years)
- Principal (monthly × 36)
- ₩ 18,000,000
- Government match
- ₩ 1,080,000
- Estimated interest
- ₩ 1,387,500
- Maturity amount
- ₩ 20,467,500
- Effective annual return
- 4.38%
- • Pre-launch info — verify exact rates on official announcement (June 2026).
Eligibility
- • Age 19–34 (extendable by military service period)
- • Personal income up to KRW 60M/year (gross salary basis)
- • Household income up to 200% of median
Youth Future Savings is a new asset-building support program for young adults, set to launch in June 2026. Citizens aged 19–34 can save up to KRW 500,000 per month for 3 years, with the government contributing additional matching deposits at a fixed ratio. The age cap is extended by military service duration, so those who completed 2 years of service can join up to age 36. Income requirements are personal income up to KRW 60M/year (gross salary) AND household income up to 200% of median (per Statistics Korea). In 2026, this is roughly KRW 4.8M for a single-person household and KRW 13M for a four-person household. The calculator offers two scenarios: standard (government contribution ~6%) and preferred (~12%), with preferred applied to low-income youth, basic-livelihood recipients, etc. Exact preferred eligibility and contribution rates will be announced at the June 2026 launch.
Compare with Youth Leap Account
| Youth Future Savings (Jun 2026) | Youth Leap Account (current) | |
|---|---|---|
| Term | 3 years | 5 years |
| Monthly cap | ₩500,000 | ₩700,000 |
| Personal income | ≤ ₩60M | ≤ ₩75M |
| Household income | ≤ 200% median | ≤ 250% median |
How to Apply (Expected)
Kinfa (Korea Inclusive Finance Agency) + 5 major bank apps + Kakao Bank / Toss Bank. Final list confirmed at launch.
Frequently asked questions
- When does Youth Future Savings launch?
- June 2026. The exact application date, interest rate, and preferred conditions will be announced at launch via the Korea Inclusive Finance Agency and the five major banks. This calculator uses pre-launch estimates.
- How is it different from the Youth Leap Account?
- YFS has a 3-year term with a KRW 500,000 monthly limit; the Youth Leap Account has a 5-year term with a KRW 700,000 monthly limit. YFS has stricter income requirements (KRW 60M personal / 200% median household) but a shorter lock-in. Which is better depends on your income and financial plan.
- How is the government contribution credited?
- Each monthly deposit triggers a separate government contribution credited at an estimated 6% (standard) or 12% (preferred). At maturity, you receive your principal + government contribution + interest as a lump sum. Early termination may forfeit the government contribution.
- What happens with early termination?
- You receive your principal and partial interest, but the government contribution is forfeited and some preferential rates may not apply. Consider that funds are locked when deciding to enroll.
- Can I enroll while already participating in the Youth Leap Account?
- Whether dual enrollment is allowed will be announced at the June 2026 launch. Typically, policy products with similar goals restrict overlapping enrollment or apply the government contribution to only one. Confirm at launch.
- Can foreign youth enroll?
- Foreigners who qualify as Korean residents (183+ days per year) can generally enroll. However, the calculation of preferred conditions and income requirements may differ — confirm with the Korea Inclusive Finance Agency or the issuing bank after launch.
Related Guides
Korea Youth Benefits Guide 2026
Explore other youth programs alongside Youth Future Savings — National Growth Fund, Youth Leap Account, Tomorrow Learning Card, and more.
Read guide →Official Sources
Always verify with the official sources below