🔥 FIRE Calculator

Calculate your Financial Independence number and how many years until you can retire early in Japan.

Personal

Current Age

Target FIRE Age

Plan To Age

Expenses

Current Annual Expenses

Retirement Annual Expenses

Include National Health Insurance (~¥400K/year after retirement)

Lifecycle Events

Click an age on the timeline to add one-time expenses (marriage, car, education, etc.)

🔥FIRE Number

¥165,576,995

Progress 4%

In today's yen: ¥111,428,571¥5,000,000

Years to FIRE

20years

Target Year

2,046

Current Position

Total Investments

Of Which in NISA

Monthly Contributions

Monthly Investment

Of Which to NISA

Assumptions

Expected Return (%)

Inflation (%)

Withdrawal Rate (%)

The 4% rule is based on US data. For Japan's longer life expectancy, 3-3.5% is recommended.

Pension

National Pension Years

Avg Monthly Salary

Employee Pension Years

🏁

Journey started — every yen counts

21% more to reach 25%

15%

Top 15% FIRE target

Retiring by age 50 in Japan

💡

Roughly 15% of savers in Japan target this range. Ahead of most, with decades of freedom.

📊

Your FIRE number puts you in the top 5% of target wealth in Japan.

🇯🇵

Average Japanese household savings: ¥17.9M. Median: ¥10M. Only 15% have over ¥30M.

Your FIRE Flavors

🍜Lean FIRE

¥99,346,197

Minimal expenses, maximum freedom5%

🏡Inaka FIRE

¥82,788,498

Rural Japan — low cost, slow life6%

🔥Regular FIRE

¥165,576,995

Comfortable city retirement3%

💎Fat FIRE

¥248,365,493

Luxury lifestyle, no compromises2%

🏖️Coast FIRE

¥62,404,228

Stop saving — growth does the rest8%

🏦Annual Pension at 65

¥934,176/year

🛡️Expenses Covered by Pension

16%

♾️Portfolio Lasts To

age 74

📈Real Return (after inflation)

3.0%

💰Monthly Savings Needed

¥368,299

⚠️Gap vs Current

+¥168,299

🏛️Est. Tax on Withdrawals

¥335,857/year

🌟NISA Tax Advantage

¥252,789/year

Portfolio Growth