To Increase Card Refunds... Habit Factory Launches Tax-Saving Assistant Service

"Guidance on Card Usage Ratios
to Maximize Income Tax Deductions"

Fintech (finance + technology) company Habit Factory announced on June 18, 2025 that it has launched a tax-saving assistant service through its application 'Signal Planner'.

The tax-saving assistant is a service that guides users on the optimal ratio of credit card and debit card usage to maximize income tax deduction benefits, based on their spending history.

It compares the income deduction limit according to the annual salary entered by the customer with the current deduction amount. The service analyzes the previous month's spending, highlights strengths and areas for improvement, and suggests ways to enhance the user's financial habits.

Habit Factory explained that it focused on the trend of many customers searching for ways to receive tax refunds ahead of the year-end tax settlement every year.

If a user spends more than 25% of their total annual salary in a year, the deduction rate for credit cards is 15%, and for debit cards, it is 30%. When there is a deduction during the income assessment process, the taxable income decreases, resulting in a tax-saving effect.

In response, Habit Factory designed the service so that users can enjoy these benefits without having to calculate everything themselves. The goal is to help users prepare for year-end tax settlement by providing guidance on how to increase their tax refunds.

Jung Yunho, co-CEO of Habit Factory, said, "By using this service, users can easily check whether their spending is aligned with maximizing income tax deductions," adding, "We hope users can increase their tax refunds through planned spending."