Analysis of 2025 Toss Income service usage data shows a clear concentration among younger users, with small-sum refunds accounting for 80%
An innovative experience powered by intuitive UI/UX lays the foundation for an "everyday tax service"
Toss Income, Toss’s subsidiary that operates tax filing and refund assistance services, announced that its analysis of service usage data over the course of 2025 found that users in their 20s and 30s accounted for more than half of all its users.
According to Toss Income, users in their 20s and 30s represented 60 percent of those who completed a refund filing over the past year, and 53 percent of those who checked their refund amounts. Mobile-based tax refund services are increasingly being adopted by early-career workers and young adults who have limited experience with tax filing.
At the individual level, small-sum refunds were the norm. In 2025, the average refund filing amount per person who received a refund through Toss Income was approximately KRW 211,000, and filings of KRW 300,000 or less accounted for a striking 80 percent. Mobile refund filing is also expanding among groups with relatively modest incomes or historically low engagement with tax matters.
This trend appears to be driven in part by the service's convenience. Built on an intuitive UI/UX and fast processing speeds, Toss Income is designed so that users can complete the entire process—from the intro screen to final filing—in an average of 6.4 minutes. By allowing users to review and file for a tax refund, a process once perceived as complex, in a short amount of time, the service has contributed to broader adoption among younger users.
Guidance on tax benefits for young adults has also driven wider use. Drawing on its data, Toss Income provides tailored guidance on tax benefits suited to each user's circumstances. For example, it has simplified the filing and documentation process for programs with historically low utilization due to complex application procedures, such as the income tax reduction for employees at small and medium-sized enterprises and the monthly rent tax credit, making them easier to use.
"This shows that small-sum and younger taxpayers, who previously accounted for only a small share of the traditional tax market, are beginning to participate more actively in tax administration through mobile services," a Toss Income representative said. "We will continue to focus on using technology to improve convenience and accessibility for taxpayers."


Analysis of 2025 Toss Income service usage data shows a clear concentration among younger users, with small-sum refunds accounting for 80%
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# Toss Income

Toss Income Eases Tax Blind Spot for Young Adults