NISA Investment Simulator
Fully supports Japan's new NISA system. Accurately simulates with Tsumitate quota (1.2M/yr), Growth quota (2.4M/yr), and lifetime cap (18M yen). Shows tax-free advantage amount, asset growth chart, and yearly breakdown.
Asset Growth Simulation
Yearly Simulation Details
| Year | Tsumitate | Growth | Principal | Gain | Total | Taxable | Tax Savings |
|---|
※ This simulation provides estimates only and does not guarantee actual investment results.
※ Investments involve risk. All investment decisions are your own responsibility.
※ Taxable accounts are calculated at 20.315% (income tax 15% + reconstruction tax 0.315% + resident tax 5%). The reconstruction tax applies through the end of 2037.
※ Expected returns are based on historical averages and do not guarantee future performance.
How to Use
Set Investment Amounts
Set monthly investment for Tsumitate and Growth quotas using sliders or number inputs. You can also set an initial lump-sum for the Growth quota.
Set Return Rate & Period
Choose an expected return rate from presets (Global Equity 5.0%, S&P500 7.0%, etc.) or enter custom values. Set the investment period from 1 to 50 years.
Review Simulation Results
Results update in real-time as you change inputs. Review final assets, tax-free advantage, asset growth chart, and yearly breakdown table.
About NISA Simulator
A comprehensive investment simulator for Japan's new NISA (Nippon Individual Savings Account) tax-free investment program started in 2024. Accurately reflects the Tsumitate quota (1.2M yen/year), Growth quota (2.4M yen/year), and lifetime cap (18M yen, of which Growth is limited to 12M). Shows concrete tax-free advantage amounts, beautiful asset growth charts, and detailed yearly projections. All calculations run in your browser.
Features
- Full New NISA SupportReflects all quota limits: Tsumitate (1.2M/yr), Growth (2.4M/yr), Lifetime (18M yen). Accurate, system-compliant simulation.
- Tax-Free Advantage DisplayShows concrete savings compared to a taxable account (20.315% tax). See exactly how much you benefit from NISA's tax exemption.
- Real-time Charts & TablesResults, charts, and tables update instantly as you change inputs. Stacked bar chart shows principal and gain breakdown.
- Lifetime Quota ProgressProgress bar shows usage of the 18M yen lifetime quota. Auto-calculates the year when the quota is fully used.
Use Cases
- Planning investments before starting NISA
- Comparing final assets with different monthly amounts
- Checking how much you save with NISA tax exemption
- Finding how many years to fully use the 18M yen quota
- Deciding allocation between Tsumitate and Growth quotas