🏠 Everyday money
Verified perks, with the traps explained
24 verified ways to save on living costs in Korea — sorted by impact.
💰 Find my perks
No login · your browser onlyPick what applies — your perks and yearly total appear instantly.
First-Meet Voucher + Parental Benefit (childbirth & childcare)
On childbirth: ₩2-3M First-Meet voucher + ₩1M/mo (age 0) and ₩500K/mo (age 1), regardless of income.
Earned Income & Child Tax Credit (EITC & CTC)
Cash payment of up to ₩3.3M for low-income working households, plus a credit per child.
Newborn Special Beotimmok Jeonse Loan (from ~1% rates)
Jeonse deposit financing at rates from ~1% for homeless households within 2 years of childbirth.
Youth Monthly Rent Special Support
Up to ₩200K/mo for up to 12 months in rent support for homeless youth.
Pension Savings + IRP Tax Credit (up to ₩1.48M/yr)
Contribute ₩9M a year and get up to ₩1.485M back as a tax refund.
Comprehensive Income Tax Refund — Hometax One-Click (zero fees)
Don't lose a cut to refund-agent apps; get a free refund via Hometax One-Click.
Loan Switching (refinancing)
A one-stop comparison to refinance existing loans at lower rates and cut interest.
Youth Leap Account (₩50M over 5 years)
Youth saving ₩700K/mo for 5 years reach about ₩50M via government match plus tax exemption.
Switching to 4th/5th-Gen Silson Insurance (lower premiums)
Switch a renewal-shocked old-generation silson plan to a new generation to lower premiums.
Budget Mobile Plans (MVNO)
Plans that use the same network as the big three carriers but cut the bill to less than half.
Energy Voucher (heating/cooling cost support for vulnerable households)
If you meet basic-recipient + household-member requirements, get help with electricity, gas, kerosene, and other energy costs.
Car Insurance Comparison + Discount Riders (direct)
Compare before renewal and grab discount riders to cut premiums by tens of thousands of won each year.
K-Pass Public Transit Refund
Use public transit 15+ times a month and get 20-53% of the fare refunded.
Climate Card (unlimited Seoul public transit)
A monthly flat fee for unlimited Seoul subway, bus, and Ttareungi bikes. Youth/low-income discounts.
Mobile Fee Reduction for Vulnerable Groups
Monthly telecom-bill reductions for basic recipients, near-poor, the disabled, and others.
Culture Nuri Card (Integrated Culture Voucher)
₩150K a year in culture, travel, and sports vouchers for basic recipients and the near-poor.
25% Selective-Contract Discount (phones off contract)
If your phone is off-contract, self-purchased, or past 24 months, get 25% off your bill every month.
Free Public-Library E-books & Audiobooks
Library members get e-books and audiobooks free — a substitute for paid subscriptions.
Basic Pension (age 65+)
Up to ₩349,700/mo (2026) for people 65+ in the bottom 70% by income.
Senior Implants & Dentures on Health Insurance (age 65+)
People 65+ get implants (2 in a lifetime) and dentures on health insurance — you pay just 30%.
Senior Jobs & Social Activity Support
₩290K–760K/mo (2026) in activity stipends and jobs for people 65+.
Emergency Welfare Support (livelihood aid in a sudden crisis)
Fast livelihood and other aid when a sudden crisis (job loss, illness) leaves you unable to make ends meet.
Tomorrow Learning Card (vocational training support)
Up to ₩3M–5M over 5 years toward vocational training — for the employed, unemployed, and mid-life re-employment.
National Employment Support Program (job-seeking allowance)
₩500K/mo for 6 months plus job-support services for low-income job seekers.