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New NISA Investment Simulation

Estimate the final balance, investment gain, and tax-free benefit of Japan's new NISA from your monthly contribution, expected return, and years, using monthly compounding.

Input

Enter your monthly contribution, expected return, and number of years to estimate the new NISA final balance and tax-free benefit with monthly compounding.

yen
%

For long-term fund averages, around 3 to 7 percent is a common guide.

years

Result

Final balance

12,331,010yen

Principal

7,200,000 yen

Investment gain

5,131,010 yen

Tax-free benefit

1,042,365 yen

Lifetime limit left

10,800,000 yen

Asset growth

0308.3616.6924.81,233.1Year 1Year 5Year 9Year 13Year 17Year 20

Principal

Investment gain

Versus a normally taxed account

New NISA (tax-free) final amount12,331,010 yen
Normally taxed account, after-tax final amount11,288,645 yen
Difference (tax-free benefit)1,042,365 yen

Year-by-year breakdown

YearPrincipalBalanceGain
Year 1360,000 yen368,366 yen8,366 yen
Year 2720,000 yen755,578 yen35,578 yen
Year 31,080,000 yen1,162,600 yen82,600 yen
Year 41,440,000 yen1,590,447 yen150,447 yen
Year 51,800,000 yen2,040,182 yen240,182 yen
Year 62,160,000 yen2,512,928 yen352,928 yen
Year 72,520,000 yen3,009,860 yen489,860 yen
Year 82,880,000 yen3,532,215 yen652,215 yen
Year 93,240,000 yen4,081,296 yen841,296 yen
Year 103,600,000 yen4,658,468 yen1,058,468 yen
Year 113,960,000 yen5,265,170 yen1,305,170 yen
Year 124,320,000 yen5,902,912 yen1,582,912 yen
Year 134,680,000 yen6,573,282 yen1,893,282 yen
Year 145,040,000 yen7,277,949 yen2,237,949 yen
Year 155,400,000 yen8,018,668 yen2,618,668 yen
Year 165,760,000 yen8,797,284 yen3,037,284 yen
Year 176,120,000 yen9,615,736 yen3,495,736 yen
Year 186,480,000 yen10,476,061 yen3,996,061 yen
Year 196,840,000 yen11,380,401 yen4,540,401 yen
Year 207,200,000 yen12,331,010 yen5,131,010 yen

How it works

  • Assumes a fixed amount invested at the end of each month and compounded monthly at the expected annual return divided by 12 (monthly compounding).
  • The tax on investment gains is taken as 20.315% in total (15% income tax, 0.315% special reconstruction tax, 5% resident tax). The difference from a normally taxed account is shown as the tax-free benefit.
  • Limit warnings use the new NISA caps: 3.6 million yen per year (1.2 million tsumitate plus 2.4 million growth) and a 18 million yen lifetime tax-free holding limit.
  • A rough estimate based on representative figures of the new NISA system that started in 2024. Actual results vary with the market and may fall below the principal.
  • This tool is an estimate, not investment advice. Confirm exact rules and tax amounts with your financial institution or official sources.

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