Japan Retirement Calculator / 日本退職金計算機
Plan your Japanese retirement with our calculator designed for Japan's pension system. Includes Kosei Nenkin (厚生年金), iDeCo (個人型確定拠出年金), NISA planning, and healthcare cost estimates.
Calculate your Kosei Nenkin (Employees' Pension Insurance) benefits based on salary and contribution years.
Plan iDeCo (individual defined contribution) and NISA (tax-free investment) strategies for retirement.
Plan for healthcare costs with universal coverage and supplementary insurance needs in retirement.
Public Pension System
- ✓ Kokumin Nenkin (国民年金 - National Pension)
- ✓ Kosei Nenkin (厚生年金 - Employees' Pension)
- ✓ Retirement age: 65 years
- ✓ Contribution rate: 18.3% (split employer/employee)
- ✓ Minimum contribution period: 10 years
- ✓ Pension adjustments for inflation
Private Retirement Accounts
- ✓ iDeCo (個人型確定拠出年金) contributions
- ✓ NISA (少額投資非課税制度) tax-free investing
- ✓ Company pension plans (企業年金)
- ✓ Tax deductions for iDeCo contributions
- ✓ NISA annual limits (¥1.2M growth, ¥3.6M cumulative)
- ✓ Retirement lump sum (退職金) planning
Retirement Age / 退職年齢
65
standard age
Life Expectancy / 平均寿命
85
years / 年
Inflation Rate / インフレ率
1.5%
average / 平均
iDeCo Limit
¥23,000
monthly / 月額
よくある質問 - Japanese Retirement FAQs
日本で老後資金はいくら必要？/ How much do I need to retire in Japan?
Most Japanese retirees need ¥20-30 million in addition to public pension benefits. Our calculator provides personalized estimates based on your lifestyle and expected pension income.
Should I use iDeCo or NISA in Japan?
iDeCo offers tax deductions on contributions but is locked until 60. NISA offers tax-free investment returns with flexibility. Most people benefit from maximizing both for retirement.
How is Kosei Nenkin calculated in Japan?
Kosei Nenkin is based on your average monthly salary and number of contribution months. The average benefit is around ¥150,000/month, but varies based on earnings history.