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    <title>셈결</title>
    <link>https://pensionscalculator.netlify.app/</link>
    <description>셈결은 직장인, 대출·부동산, 사업자·세금, 자동차, 예금.적금, 생활건강 계산기를 제공하는 생활 금융 계산기 허브입니다.</description>
    <language>ko-KR</language>
    <lastBuildDate>Mon, 06 Jul 2026 00:00:00 +0900</lastBuildDate>
    <item>
      <title>셈결 생활 금융 계산기</title>
      <link>https://pensionscalculator.netlify.app/</link>
      <guid>https://pensionscalculator.netlify.app/</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>셈결에서 38개 생활 계산기를 제공합니다.</description>
    </item>
    <item>
      <title>대출 이자 계산기</title>
      <link>https://pensionscalculator.netlify.app/loan.html</link>
      <guid>https://pensionscalculator.netlify.app/loan.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>대출금액, 연이율, 기간, 상환방식으로 월 예상 납입액과 총 이자를 계산합니다.</description>
    </item>
    <item>
      <title>예금·적금 이자 계산기</title>
      <link>https://pensionscalculator.netlify.app/savings.html</link>
      <guid>https://pensionscalculator.netlify.app/savings.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>예금, 적금, 청년미래적금, 청년도약계좌의 예상 만기 수령액을 계산합니다.</description>
    </item>
    <item>
      <title>기초연금 예상 계산기</title>
      <link>https://pensionscalculator.netlify.app/pension.html</link>
      <guid>https://pensionscalculator.netlify.app/pension.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>간단한 입력으로 기초연금 수급 가능성과 월 예상 수령액을 계산합니다.</description>
    </item>
    <item>
      <title>연봉 실수령액 계산기</title>
      <link>https://pensionscalculator.netlify.app/salary.html</link>
      <guid>https://pensionscalculator.netlify.app/salary.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>2026년 4대보험과 세금을 반영해 월 예상 실수령액을 계산합니다.</description>
    </item>
    <item>
      <title>부가세 계산기</title>
      <link>https://pensionscalculator.netlify.app/vat.html</link>
      <guid>https://pensionscalculator.netlify.app/vat.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>공급가액, 부가세, 합계금액을 10% 세율 기준으로 계산합니다.</description>
    </item>
    <item>
      <title>DSR·DTI·LTV 계산기</title>
      <link>https://pensionscalculator.netlify.app/dsr.html</link>
      <guid>https://pensionscalculator.netlify.app/dsr.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>연소득과 기존 부채로 대출 지표와 가능 대출액을 계산합니다.</description>
    </item>
    <item>
      <title>퇴직금·실업급여 계산기</title>
      <link>https://pensionscalculator.netlify.app/severance.html</link>
      <guid>https://pensionscalculator.netlify.app/severance.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>퇴직금과 구직급여 예상액을 계산합니다.</description>
    </item>
    <item>
      <title>부동산 취득세·중개보수 계산기</title>
      <link>https://pensionscalculator.netlify.app/realestate.html</link>
      <guid>https://pensionscalculator.netlify.app/realestate.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>주택 취득세와 중개보수 등 계약 부대비용을 계산합니다.</description>
    </item>
    <item>
      <title>복리 투자 계산기</title>
      <link>https://pensionscalculator.netlify.app/compound.html</link>
      <guid>https://pensionscalculator.netlify.app/compound.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>초기 투자금, 월 납입액, 수익률로 장기 예상 금액을 계산합니다.</description>
    </item>
    <item>
      <title>날짜·퍼센트 계산기</title>
      <link>https://pensionscalculator.netlify.app/date-percent.html</link>
      <guid>https://pensionscalculator.netlify.app/date-percent.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>디데이, 날짜 차이, 퍼센트 비율과 증감률을 계산합니다.</description>
    </item>
    <item>
      <title>자동차 구매 총비용 계산기</title>
      <link>https://pensionscalculator.netlify.app/car.html</link>
      <guid>https://pensionscalculator.netlify.app/car.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>자동차 할부금, 취득세, 보험료, 자동차세, 유류비를 합산해 월 유지비를 계산합니다.</description>
    </item>
    <item>
      <title>신용카드 할부·리볼빙 계산기</title>
      <link>https://pensionscalculator.netlify.app/card.html</link>
      <guid>https://pensionscalculator.netlify.app/card.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>할부 수수료, 리볼빙 이자, 완납 기간을 계산합니다.</description>
    </item>
    <item>
      <title>프리랜서 3.3%·종합소득세 계산기</title>
      <link>https://pensionscalculator.netlify.app/freelancer-tax.html</link>
      <guid>https://pensionscalculator.netlify.app/freelancer-tax.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>3.3% 원천징수액과 종합소득세 예상 정산액을 계산합니다.</description>
    </item>
    <item>
      <title>전세·월세·매매 비교 계산기</title>
      <link>https://pensionscalculator.netlify.app/housing-compare.html</link>
      <guid>https://pensionscalculator.netlify.app/housing-compare.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>월세, 전세, 매매의 거주 총비용을 비교합니다.</description>
    </item>
    <item>
      <title>마진·판매가 계산기</title>
      <link>https://pensionscalculator.netlify.app/margin.html</link>
      <guid>https://pensionscalculator.netlify.app/margin.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>온라인 판매 순이익, 마진율, 목표 판매가를 계산합니다.</description>
    </item>
    <item>
      <title>은퇴자금·IRP 세액공제 계산기</title>
      <link>https://pensionscalculator.netlify.app/retirement.html</link>
      <guid>https://pensionscalculator.netlify.app/retirement.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>은퇴 시점 예상 자산과 연금계좌 세액공제액을 계산합니다.</description>
    </item>
    <item>
      <title>예산·순자산 계산기</title>
      <link>https://pensionscalculator.netlify.app/budget.html</link>
      <guid>https://pensionscalculator.netlify.app/budget.html</guid>
      <pubDate>Sun, 28 Jun 2026 00:00:00 +0900</pubDate>
      <description>월 현금흐름, 저축률, 순자산, 비상자금을 계산합니다.</description>
    </item>
    <item>
      <title>자동차 cc 세금 계산기</title>
      <link>https://pensionscalculator.netlify.app/car-tax.html</link>
      <guid>https://pensionscalculator.netlify.app/car-tax.html</guid>
      <pubDate>Mon, 29 Jun 2026 00:00:00 +0900</pubDate>
      <description>배기량, 차량 용도, 최초 등록연도로 자동차세와 지방교육세를 계산합니다.</description>
    </item>
    <item>
      <title>카테고리 계산기 모음 추가</title>
      <link>https://pensionscalculator.netlify.app/calculators/loan/</link>
      <guid>https://pensionscalculator.netlify.app/calculators/loan/</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>직장인, 대출, 사업자 세금, 부동산, 연금, 자동차 계산기 모음 페이지를 추가했습니다.</description>
    </item>
    <item>
      <title>BMI 계산기</title>
      <link>https://pensionscalculator.netlify.app/bmi.html</link>
      <guid>https://pensionscalculator.netlify.app/bmi.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>키와 몸무게를 입력해 체질량지수와 성인 BMI 분류를 확인합니다.</description>
    </item>
    <item>
      <title>시급·알바 급여·주휴수당 계산기</title>
      <link>https://pensionscalculator.netlify.app/hourly.html</link>
      <guid>https://pensionscalculator.netlify.app/hourly.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>시급, 근무시간, 주 근무일수로 알바 월급과 주휴수당을 계산합니다.</description>
    </item>
    <item>
      <title>연차수당 계산기</title>
      <link>https://pensionscalculator.netlify.app/annual-leave.html</link>
      <guid>https://pensionscalculator.netlify.app/annual-leave.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>월 통상임금과 미사용 연차일수로 예상 연차수당을 계산합니다.</description>
    </item>
    <item>
      <title>대출 갈아타기·중도상환수수료 계산기</title>
      <link>https://pensionscalculator.netlify.app/refinance.html</link>
      <guid>https://pensionscalculator.netlify.app/refinance.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>기존 대출과 신규 대출 금리, 중도상환수수료를 비교해 순절감액을 계산합니다.</description>
    </item>
    <item>
      <title>BMR/TDEE 기초대사량 계산기</title>
      <link>https://pensionscalculator.netlify.app/bmr.html</link>
      <guid>https://pensionscalculator.netlify.app/bmr.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>성별, 나이, 키, 몸무게, 활동량으로 기초대사량과 하루 유지 칼로리를 계산합니다.</description>
    </item>
    <item>
      <title>연말정산 환급금 계산기</title>
      <link>https://pensionscalculator.netlify.app/year-end-tax.html</link>
      <guid>https://pensionscalculator.netlify.app/year-end-tax.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>연말정산 환급·추가납부 예상액</description>
    </item>
    <item>
      <title>건강보험료 지역가입자 계산기</title>
      <link>https://pensionscalculator.netlify.app/health-insurance.html</link>
      <guid>https://pensionscalculator.netlify.app/health-insurance.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>프리랜서·퇴직자 보험료 추정</description>
    </item>
    <item>
      <title>종합소득세 계산기</title>
      <link>https://pensionscalculator.netlify.app/comprehensive-income-tax.html</link>
      <guid>https://pensionscalculator.netlify.app/comprehensive-income-tax.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>사업·근로·기타소득 세금 계산</description>
    </item>
    <item>
      <title>양도소득세 계산기</title>
      <link>https://pensionscalculator.netlify.app/capital-gains-tax.html</link>
      <guid>https://pensionscalculator.netlify.app/capital-gains-tax.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>부동산 양도차익과 세금 추정</description>
    </item>
    <item>
      <title>재산세·종부세 계산기</title>
      <link>https://pensionscalculator.netlify.app/property-tax.html</link>
      <guid>https://pensionscalculator.netlify.app/property-tax.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>공시가격 기준 보유세 추정</description>
    </item>
    <item>
      <title>전세대출 이자·보증료 계산기</title>
      <link>https://pensionscalculator.netlify.app/jeonse-loan.html</link>
      <guid>https://pensionscalculator.netlify.app/jeonse-loan.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>전세대출 월 부담 계산</description>
    </item>
    <item>
      <title>월세 세액공제 계산기</title>
      <link>https://pensionscalculator.netlify.app/monthly-rent-credit.html</link>
      <guid>https://pensionscalculator.netlify.app/monthly-rent-credit.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>연말정산 월세 공제액</description>
    </item>
    <item>
      <title>자동차 유류비·충전비 계산기</title>
      <link>https://pensionscalculator.netlify.app/fuel-cost.html</link>
      <guid>https://pensionscalculator.netlify.app/fuel-cost.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>월 주행거리 기준 주행비</description>
    </item>
    <item>
      <title>근로장려금·자녀장려금 계산기</title>
      <link>https://pensionscalculator.netlify.app/earned-income-credit.html</link>
      <guid>https://pensionscalculator.netlify.app/earned-income-credit.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>소득·재산 기준 지원액</description>
    </item>
    <item>
      <title>세전·세후 역산 계산기</title>
      <link>https://pensionscalculator.netlify.app/gross-net-reverse.html</link>
      <guid>https://pensionscalculator.netlify.app/gross-net-reverse.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>목표 실수령액 기준 세전 급여</description>
    </item>
    <item>
      <title>체지방률 계산기</title>
      <link>https://pensionscalculator.netlify.app/body-fat.html</link>
      <guid>https://pensionscalculator.netlify.app/body-fat.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>신체 둘레 기준 체지방률</description>
    </item>
    <item>
      <title>목표 체중 기간 계산기</title>
      <link>https://pensionscalculator.netlify.app/target-weight.html</link>
      <guid>https://pensionscalculator.netlify.app/target-weight.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>칼로리 차이 기준 목표 기간</description>
    </item>
    <item>
      <title>하루 물 섭취량 계산기</title>
      <link>https://pensionscalculator.netlify.app/water-intake.html</link>
      <guid>https://pensionscalculator.netlify.app/water-intake.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>체중·활동량 기준 물 섭취량</description>
    </item>
    <item>
      <title>임신 주수·출산 예정일 계산기</title>
      <link>https://pensionscalculator.netlify.app/pregnancy-date.html</link>
      <guid>https://pensionscalculator.netlify.app/pregnancy-date.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>임신 주수와 예정일 계산</description>
    </item>
    <item>
      <title>생리주기·다음 생리일 계산기</title>
      <link>https://pensionscalculator.netlify.app/period-cycle.html</link>
      <guid>https://pensionscalculator.netlify.app/period-cycle.html</guid>
      <pubDate>Mon, 06 Jul 2026 00:00:00 +0900</pubDate>
      <description>다음 생리일과 배란일 참고</description>
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