{
  "site": "web-calculators",
  "toolId": "savings-calculator",
  "verifiedOn": "2026-07-11",
  "productSourcePaths": [
    "server/web-calculators/src/app/[locale]/savings/savings-calculator/SavingsCalculatorClient.tsx",
    "server/web-calculators/src/lib/finance/savings.ts",
    "server/web-calculators/src/lib/finance/interest-tax.ts",
    "server/web-calculators/src/lib/finance/__tests__/savings.test.ts"
  ],
  "fixtureSha256": "75107d0e5b16d5e485ef74546834387561efbcd230319664f4f4c64f43bb50ac",
  "productSourcesSha256": "ca23c665acf5d57b199330856a69e74cc06137f4f8977d4044dab40ab50baeef",
  "inputLimits": "Positive safe-integer monthly payment; 0-10,000 integer basis points; 1-120 months; general or taxFree",
  "outputFormat": "Installment simple-interest totals, separate taxes, maturity amount, and exact monthly table",
  "assertions": [
    "500K at 3.5 percent for 12 months",
    "monthly table sums exactly to gross interest",
    "general and tax-free treatment",
    "strict runtime input rejection"
  ],
  "limitations": [
    "Each payment uses simple interest for its remaining term",
    "Provider rounding and tax-free eligibility may differ"
  ],
  "verificationCommands": [
    "npm test -- src/lib/finance/__tests__/savings.test.ts",
    "node scripts/verify-finance-output.mjs"
  ],
  "fixture": {
    "monthlyDeposit": 500000,
    "annualRateBasisPoints": 350,
    "months": 12,
    "taxTreatment": "general"
  },
  "expected": {
    "totalDeposits": 6000000,
    "grossInterest": 113750,
    "incomeTax": 15925,
    "localIncomeTax": 1592,
    "netInterest": 96233,
    "maturityAmount": 6096233
  },
  "officialSources": [
    ["nts-interest-tax", "https://www.nts.go.kr/nts/cm/cntnts/cntntsView.do?cntntsId=7914&mi=6478"],
    ["local-income-tax-law", "https://www.law.go.kr/법령/지방세법/제103조의13"],
    ["fsc-deposit-protection", "https://www.fsc.go.kr/no010101/85200"],
    ["kdic-deposit-protection", "https://www.kdic.or.kr/sp/dpstrprot/ProtSystProtLmts/selectScrn.do"]
  ]
}