📈 NISA Investment Calculator
Project tax-free investment growth under Japan's new NISA system (2024+). Compare your returns vs a taxable account.
Tsumitate (つみたて投資枠)
Index funds only. Monthly limit: ¥100,000/month (¥1.2M/year).
Growth (成長投資枠)
Individual stocks & funds. Annual limit: ¥2,400,000/year.
20 years
1 years40 years
Projected NISA Balance¥40,788,669
Principal ¥48,000,000Gains (tax-free) ¥22,788,669
Total Balance¥82,549,261
Total contributions will exceed the ¥18M lifetime cap. Investments beyond the cap go into a taxable account.
Tax Advantage
Tax You Save vs Taxable Account¥4,629,518
In a taxable account, you'd pay 20.32% on gains. NISA makes all gains tax-free.
Investment Breakdown
Annual Contribution¥2,400,000
→ Tsumitate Portion¥1,200,000
→ Growth Portion¥1,200,000
Total Invested¥48,000,000
Total Gains¥22,788,669
Years to Fill ¥18M Cap8 years
Investment Growth
Total balance
Principal