2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Japan
A FIRE calculator for Japan: NISA, iDeCo and the public pension in one projectionNISA · iDeCo · Kōsei Nenkin · kokumin nenkin · public pension · early claim (kuriage) · deferral (kurisage) · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in yen, with Japanese inflation and your Kōsei Nenkin, iDeCo and NISA pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in JPY
Your FI number at a 3.5% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 3.5% withdrawal rate the planner uses for Japan, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in JPY (￥), with a Financial Freedom Index out of 100 beside it.
Your peer percentile compares your household’s net worth with households of your age in the Statistics Bureau National Survey of Family Income, Consumption and Wealth, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Japan · the rates your plan starts from
The Japan rates every plan projects with.
A plan for Japan starts from these, in JPY. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
3%
Education inflation
School and university fees, which rise faster than everyday prices.
5%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
6%
Return while you work
An assumption, not a forecast — shown so you can change it.
3.5%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
3.5%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Japan schemes in one plan
Kōsei Nenkin (Employees’ Pension), iDeCo, NISA — rows in your plan from the start.
- Kōsei Nenkin (Employees’ Pension) — The earnings-related public pension for salaried employees, on top of the flat-rate national pension.
- iDeCo — Individual defined-contribution pension: voluntary, tax-deductible, and locked until 60.
- NISA — Tax-free investment account; no tax on gains within the allowance.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Japan · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
iDeCo pays out from 60 for anyone with at least 10 years of membership by then; fewer years push the first payout as late as 65.
Access age 2
The old-age pension can start at any age from 60 to 75: claimed at 60 it pays 76% of the amount at 65, deferred to 75 it pays 184%.
Access age 3
NISA holdings stay tax-free with no time limit, within a lifetime ceiling of ¥18 million per person.
FIRE Planner · Japan
What your Japan FIRE plan has to get right.
NISA has no lock-in and its tax exemption no longer expires, which makes it the account for the years before iDeCo opens at 60. Nivritee’s ledger shows each of those years.
When to claim the public pension is a real lever: 76% of the age-65 amount at 60, 184% at 75. Add the amount you expect as income that continues after you stop working, and the FI number nets it off.
Patients aged 6 to 69 pay 30% of a medical bill under public health insurance. Nivritee sets Japan’s medical cost rate below its other Asian markets’, reflecting two decades of near-zero inflation.
Your peer percentile compares your household’s assets with Japanese households of your age in the Statistics Bureau’s National Survey of Family Income, Consumption and Wealth, aged forward from its survey year.
Why Nivritee for Japan
The FIRE Planner, joined to everything else your household runs.
Your Japan plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Japan · questions
FIRE in Japan: questions people ask.
How much do I need to retire early in Japan?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number for Japan uses a more cautious 3.5% withdrawal rate — about 29 times a year’s need — allows for tax on withdrawals, adds your goals and nets off your pension.
When can I receive iDeCo?
From 60 if you have at least 10 years of membership by then; with fewer years the first payout moves later, as late as 65.
Should I claim the public pension early if I stop working early?
That is a choice about income for life: claimed at 60 it pays 76% of the age-65 amount, deferred to 75 it pays 184%. Nivritee lets you set the age the pension starts and shows how the FI number and the projection move.
Is there a free FIRE calculator for Japan?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in yen with Japanese inflation and your NISA, iDeCo and public pension. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how you compare with Japanese households of your age.
Find your FI number for Japan.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free