Projected NISA Balance
JPYNaN
Total Contributions
JPYNaN
Tax-Free Investment Gains
JPYNaN
Estimated Tax Saved (vs taxable)
JPYNaN
Japan NISA Investment Calculator — Monthly Contribution (¥) ₹75,000
With monthly contribution (¥) of ₹75,000, the projected nisa balance is JPY3,09,55,973.
New NISA allows up to ¥300,000/month (¥3.6M/year) in growth investment account
Total Contributions
JPY2,40,00,000
Tax-Free Investment Gains
JPY1,72,74,631
Projected NISA Balance
JPY4,12,74,631
Estimated Tax Saved (vs taxable)
JPY35,09,341
New NISA (2024+): ¥1.2M/year tsumitate, ¥2.4M/year growth, ¥3.6M/year total limit, ¥18M lifetime limit. Gains are tax-free indefinitely. Returns not guaranteed.
What is the Japan NISA Investment Calculator?
Japan's New NISA (新NISA), launched January 2024, massively expanded the tax-free investment framework. The new system has two accounts: a Tsumitate (積立) account with ¥1.2M annual limit for regular investments in certified funds, and a Growth (成長投資) account with ¥2.4M annual limit for individual stocks and ETFs. The combined annual limit is ¥3.6M, with a lifetime cap of ¥18M. Investment gains — dividends and capital gains — are completely tax-free.
Formula
Balance = Monthly × ((1+r)^n − 1) ÷ r × (1+r). Tax saved = (Balance − Contributions) × 20.315%.- FV
- = Projected NISA balance
- C
- = Monthly contribution
- r
- = Monthly return rate
- n
- = Total months
How to use the Japan NISA Investment Calculator
- 1
Step 1
Enter your planned monthly NISA contribution (up to ¥300,000/month for growth account).
- 2
Step 2
Set your expected annual return (global equity index funds average ~5-7% long-term).
- 3
Step 3
Enter the number of years you plan to invest.
- 4
Step 4
View your projected balance and tax savings versus a taxable account.
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Frequently asked questions
What is the new NISA limit in Japan in 2025?
From 2024 onwards, the new NISA allows ¥1.2M/year in the Tsumitate account and ¥2.4M/year in the Growth account — ¥3.6M total per year. The lifetime cap is ¥18M. Once withdrawn, contribution room can be reinstated the following year.
How is NISA different from iDeCo?
NISA is a flexible tax-free investment account — you can withdraw at any time. iDeCo is a pension account with tax deductible contributions but locked until age 60. They complement each other: NISA for flexible savings, iDeCo for retirement.
What can I invest in with the new NISA?
Tsumitate account: certified investment trusts and ETFs. Growth account: Japanese stocks, foreign stocks, ETFs, REITs, and investment trusts. Individual bonds are not eligible.
Can non-Japanese residents use NISA?
NISA is available to residents of Japan (regardless of nationality) who are 18 or older. Non-residents cannot open new NISA accounts, and those who leave Japan must close or freeze their NISA.
What happens to NISA gains when I withdraw?
All gains in NISA are tax-free — no income tax, no dividend tax, no capital gains tax upon withdrawal. This contrasts with regular investment accounts where gains are taxed at 20.315%.
Sources
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Calculated with CalcCrack