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Japan Retirement Asset Simulator

Project the assets you'll have at retirement, the gap between pension income and expenses, and the monthly contribution needed to close it. Includes assumed investment returns.

Result

Assets at retirement
40,219,356
of which: contributions
18,000,000
of which: investment gain
+22,219,356
Monthly shortfall (pension − expense)
100,000
Years covered
33 yrs
Surplus
4,219,356

Pension expectations for foreign residents

  • Kosei (Employees' Pension): If you've worked at a Japanese company on Employees' Pension for 10+ years, you'll get a Japanese pension at 65 (or earlier with discount). Average for 30-year contributors: ~¥150,000-200,000/month.
  • Totalization agreements: If you've contributed to pension systems in multiple countries that have totalization agreements with Japan (US, UK, Germany, Korea, etc.), the periods can be combined. Each country pays based on contributions there.
  • Lump-sum withdrawal (脱退一時金): If you leave Japan with less than 10 years of pension contributions and your country doesn't have a totalization agreement, you can claim a lump-sum withdrawal. See our lump-sum withdrawal calculator.
  • Receiving Japanese pension from abroad: Japan's pension can be paid to your overseas bank account if you've left Japan. It's still taxed by Japan (20.42% flat withholding) unless your tax treaty reduces it.

Building retirement assets in Japan

  • NISA: ¥3.6M/year contribution limit, all gains tax-free for life. Most powerful tool for accumulation. See our NISA simulator.
  • iDeCo: Personal defined contribution pension. Contributions are tax-deductible from current income. ¥23,000/month for employees, more for self-employed.
  • Corporate DC / Kosei Nenkin Kikin: If your employer offers it, contribute the max. These build on top of the basic pension.
  • Taxable brokerage: For assets beyond NISA/iDeCo caps. Gains taxed at 20.315% (separate, not aggregated with salary).

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