New Profile

Name this scenario so you can compare it with others — e.g. 'Base Case' vs 'Pessimistic Returns'. Each scenario stores its own assumptions.

Sets your cost-of-living baseline. Regional monthly expense estimates are built in. You can override the total with your actual figure in Monthly Expenses below.

Your age today. Used to calculate years to FIRE and project account balances at retirement.

The age you plan to stop working. Earlier = fewer accumulation years and a longer drawdown, which requires a larger FIRE number.

Determines which income deduction applies. Company employees receive a large employment income deduction (給与所得控除) that significantly lowers taxable income. Self-employed enter net business income directly.

Total salary before any deductions (税込み年収). Used to calculate income tax, residence tax, and social insurance. Check your annual withholding statement (源泉徴収票).

健康保険 + 厚生年金 + 雇用保険. Typically ~14% of gross for company employees (e.g. ¥1.1M on ¥8M gross). Check your payslip or withholding statement (源泉徴収票). Enter 0 if unsure — tax estimate will be slightly high.

If your spouse earns ≤ ¥1,230,000/year you qualify for the full ¥380,000 spouse deduction (配偶者控除). Enter 0 if they have no income.

Each qualifying dependent reduces your taxable income by ¥380,000 (扶養控除). Include children under 16 and adult dependents you financially support.

Current market value of your 新NISA account. Growth and withdrawals are completely tax-free — no capital gains or dividend tax.

Total acquisition cost (purchase price, not current market value) of assets ever bought in your NISA. The ¥18M lifetime cap is tracked on purchase cost, not market value.

Current iDeCo account value. Contributions are tax-deductible, but the account is locked until age 60. Pre-60 FIRE requires other accounts to bridge the gap.

Investments in a regular brokerage (特定口座). Fully liquid, but realised gains are taxed at 20.315%. No lock-up period.

Bank deposits and liquid savings. No lock-up and immediately accessible, but earns near-zero interest in Japan.

Investments or savings held outside Japan (e.g. US brokerage, UK ISA). Converted to JPY using the USD/JPY rate you set below.

Your total monthly living expenses — or your planned retirement budget. The single most important FIRE number input. Include rent/mortgage, food, transport, utilities, insurance, travel, and hobbies.

Monthly investment into the tsumitate (積立) frame of 新NISA. Cap: ¥100,000/month (¥1.2M/year). Tax-free growth and withdrawal.

Annual lump-sum contribution to the growth frame (成長投資枠) of 新NISA. Cap: ¥2.4M/year. Leave at 0 if you only use the monthly tsumitate frame.

Monthly iDeCo contribution — fully tax-deductible against employment income. Company employee cap: ¥23,000/month. Self-employed cap: ¥68,000/month. Funds are locked until age 60.

Calendar year for retirement simulation year 0. Required when education commitments exist.

Total months paid into the Japanese pension system (国民年金 + 厚生年金). Full kokumin nenkin requires 480 months (40 years). Check your statement at ねんきんネット (nenkin.ne.jp).

When you start receiving nenkin. Standard is 65. Claiming early (60–64) reduces the benefit 0.4%/month. Deferring past 65 increases it 0.7%/month — maximum at age 75.

Your annual kosei nenkin (厚生年金) estimate in JPY, after tax. Leave at 0 to let the app estimate from your average remuneration below. Best source: your latest nenkin statement from ねんきんネット.

Your average standard monthly remuneration (標準報酬月額) used to estimate kosei nenkin if you have no direct statement. A rough guide: use your typical gross monthly salary.

Annual income from a foreign state pension (e.g. US Social Security, UK State Pension, Australian Age Pension) in JPY at current exchange rate. Permanent residents in Japan pay income tax on this.

Age when your foreign pension begins. US Social Security: 62–70; UK State Pension: 66; Australian Age Pension: 67.

Current USD/JPY exchange rate. Used to convert USD-denominated foreign assets to JPY for the total portfolio calculation.