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New NISA Calculator Japan
Japan's new NISA: future value, tax-free gain and the ¥18m limit.
Monthly amount and years
Value after 20 years
¥11,003,239
Paid in ¥7.2m · gain ¥3.8m
| Paid in | ¥7,200,000 |
| Gain (tax-free) | ¥3,803,239 |
| Tax saved vs a normal account (20.315%) | ¥772,628 |
Tsumitate ¥1.2m and growth ¥2.4m a year (growth up to ¥12m lifetime). From January 2027 children 0–17 can use the tsumitate allowance too.
Year by year
| Year | Paid in | Value |
|---|---|---|
| 1 | ¥360,000 | ¥366,674 |
| 2 | ¥720,000 | ¥748,287 |
| 3 | ¥1,080,000 | ¥1,145,447 |
| 4 | ¥1,440,000 | ¥1,558,788 |
| 5 | ¥1,800,000 | ¥1,988,969 |
| 10 | ¥3,600,000 | ¥4,417,494 |
| 15 | ¥5,400,000 | ¥7,382,715 |
| 20 | ¥7,200,000 | ¥11,003,239 |
Assumes a steady return; not guaranteed and not investment advice. Not tax or labour advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: 金融庁：NISA特設ウェブサイト
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
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Questions people ask
QWhat are the limits?
A¥3.6m a year and ¥18m lifetime.
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