Japan Retirement Calculator 2026 / 日本退職金計算機
Free retirement calculator 2026 for Japan. Plan your Japanese retirement with Kosei Nenkin (厚生年金), iDeCo (個人型確定拠出年金), NISA planning, and healthcare cost estimates. Calculate your retirement needs in JPY with our comprehensive Japanese retirement planning tool.
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
How to Use the Japan Retirement Calculator 2026 / 退職金計算機の使い方
Our free Japan retirement calculator helps you plan for retirement using the Japanese pension system. Calculate your Kosei Nenkin (Employees' Pension Insurance) benefits, plan iDeCo and NISA contributions, and estimate your retirement needs in JPY.
Kosei Nenkin (厚生年金): The Employees' Pension Insurance provides retirement benefits based on your salary and contribution years. Our calculator helps you estimate your Kosei Nenkin benefits and understand how they combine with Kokumin Nenkin (National Pension).
iDeCo & NISA: iDeCo (個人型確定拠出年金) offers tax deductions on contributions but is locked until age 60. NISA (少額投資非課税制度) provides tax-free investment returns with flexibility. Our calculator helps you maximize both for retirement.
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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.
iDeCoとNISAの違いは？/ Difference between iDeCo and NISA?
iDeCo offers tax deductions on contributions, tax-deferred growth, but locked until 60. NISA offers tax-free investment returns with flexibility. Growth NISA limit: ¥1.2M annually. Both valuable for retirement planning - our calculator compares strategies.
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.