Future Pension Estimate Calculator (Japan)
Estimate your future Japanese public pension. Enter average annual salary, years in the Employees' Pension (kosei nenkin), total contribution years including the National Pension (kokumin nenkin), and your start age to see the projected yearly and monthly benefit, plus early or deferred adjustments.
Input
Enter your average salary, years enrolled, and start age to estimate your future Japanese public pension (National Pension plus Employees'' Pension). A guideline based on representative 2024 figures.
Your typical gross annual salary while working. Used for the earnings-related part of the Employees'' Pension.
Years enrolled in the Employees'' Pension as a company employee. From 0 to 50 years.
Total contribution years including the National Pension. Applied to the basic pension. From 0 to 40 years.
The age you start receiving the pension. Earlier than 65 reduces it, later increases it. From 60 to 75.
Result
Estimated future pension (per year)
1,692,960yen
About 141,080 yen per month
Basic pension (yearly)
816,000 yen
Employees'' Pension (yearly)
876,960 yen
Total monthly
141,080 yen
Early or deferred change
0 yen
Breakdown
| Basic pension (yearly) | 816,000 yen |
| Employees'' Pension (yearly) | 876,960 yen |
| Total before adjustment (yearly) | 1,692,960 yen |
| Benefit rate (early or deferred) | 100.0 % |
| Total after adjustment (yearly) | 1,692,960 yen |
How it works
- The National Pension (Japanese kokumin nenkin, basic pension) uses a full amount of 816,000 yen per year (a representative 2024 figure), prorated by contribution months over 480 months (40 years). Forty full years gives the full amount.
- The Employees' Pension (Japanese kosei nenkin, earnings-related part) is estimated as average monthly reward (your average annual salary divided by 12) times 0.005481 times the number of enrollment months. The multiplier varies by birth date but a representative value is used.
- If you start before age 65, the benefit is reduced by 0.4 percent per month earlier. If you start after 65, it increases by 0.7 percent per month later. You can enter a start age from 60 to 75.
- This tool gives a rough estimate using representative figures for the 2024 fiscal year. Actual benefits vary with your contribution record, standard reward, price and wage indexation, and law changes.
- For an accurate projection, check your official notices such as the Nenkin Teiki-bin or Nenkin Net, or consult a pension office. Treat this result as a guideline only.
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Future Pension Estimate Calculator (Japan)