Jenee

Retirement Calculator

Simulate your retirement asset lifespan by entering savings, pension, and monthly expenses. Freely adjustable inflation and return rates.

現在の状況

30歳
¥5,000,000
¥50,000

退職後の状況

65歳
¥15,000,000
¥150,000
¥300,000

詳細設定（任意変更可能）

歳
%
%
%

How to Use

  1. STEP 1
    Enter your current age, savings, and contributions.
  2. STEP 2
    Enter expected retirement age, bonus, and living expenses.
  3. STEP 3
    Adjust return yields and inflation rates to your preference.
  4. STEP 4
    The calculated asset lifespan will be displayed.
  • Inflation rate is used to adjust future purchasing power.
  • The simulation calculates the withdrawal based on the previous year's balance and yield.
  • Taxes and large unexpected expenses (nursing care, medical bills, remodeling, etc.) are not included.

Tips

1

With 2% inflation, current purchasing power drops significantly over 20 years.

2

Investing during retirement can extend asset lifespan.

3

You can make a more accurate plan by checking 'Nenkin Net' (for Japan) to understand your future pension amount more precisely.

4

By utilizing tax-exempt systems like iDeCo or NISA (in Japan), you can efficiently prepare for retirement funds.

5

Depending on how you receive your retirement bonus (lump sum or annuity), the tax calculation method differs, which may change your take-home amount.

FAQ

  • Q1

    Q. What is a reasonable return yield estimate?

    A. Global index investments are often simulated around 3-5%. Post-retirement, 1-3% is safer.

  • Q2

    Q. What does inflation-adjusted calculation mean?

    A. The simulation uses the real return rate (adjusted by inflation). For example, 5% nominal return with 2% inflation gives approx. 2.94% real return. Set inflation to 0% for nominal-based calculations.

  • Q3

    Q. What is the '20 Million Yen Retirement Problem'?

    A. A number highlighted by a 2019 report from Japan's Financial Services Agency, estimating an average shortfall of about 20 million yen over 30 years for a retired couple (husband 65+, wife 60+) based on average household expenses. Required amounts vary greatly depending on individual living standards and pension amounts.

  • Q4

    Q. Should I consider delaying my pension payment?

    A. By delaying your pension receipt beyond age 65 (up to age 75 in Japan), you can increase the payout amount by 0.7% per month. This is one effective way to prepare for longevity risk.

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