NISA Lump-Sum Investment Simulation
Estimate the future value of a one-time lump-sum investment in Japan's new NISA growth quota. Enter your principal, expected annual return, and years to see the tax-free final balance, gain, and tax-free benefit with annual compounding.
Input
Estimate the future value of a one-time lump-sum (spot) investment in the new NISA growth quota from your principal, expected annual return, and years, using annual compounding.
yen
%
A long-term average of around 3–7% is a common assumption for index funds.
yrs
Result
Final balance (tax-free)
$6,367,914
Principal
$2,400,000
Investment gain
$3,967,914
Tax-free benefit
$806,082
Comparison with a taxable account
| NISA (tax-free) final balance | $6,367,914 |
| Taxable account after-tax final balance | $5,561,833 |
| Difference (tax-free benefit) | $806,082 |
Year-by-year balance
| Elapsed | Balance | Gain |
|---|---|---|
| Year 1 | $2,520,000 | $120,000 |
| Year 2 | $2,646,000 | $246,000 |
| Year 3 | $2,778,300 | $378,300 |
| Year 4 | $2,917,215 | $517,215 |
| Year 5 | $3,063,076 | $663,076 |
| Year 6 | $3,216,230 | $816,230 |
| Year 7 | $3,377,041 | $977,041 |
| Year 8 | $3,545,893 | $1,145,893 |
| Year 9 | $3,723,188 | $1,323,188 |
| Year 10 | $3,909,347 | $1,509,347 |
| Year 11 | $4,104,814 | $1,704,814 |
| Year 12 | $4,310,055 | $1,910,055 |
| Year 13 | $4,525,558 | $2,125,558 |
| Year 14 | $4,751,836 | $2,351,836 |
| Year 15 | $4,989,428 | $2,589,428 |
| Year 16 | $5,238,899 | $2,838,899 |
| Year 17 | $5,500,844 | $3,100,844 |
| Year 18 | $5,775,886 | $3,375,886 |
| Year 19 | $6,064,680 | $3,664,680 |
| Year 20 | $6,367,914 | $3,967,914 |
How it works
- Assumes a one-time investment compounded annually at the expected return, so the final balance equals principal × (1 + annual return) ^ years. This is a lump-sum (spot) model with no monthly contributions.
- In NISA, investment gains are tax-free, so the final balance is your full payout. For comparison, the normally taxed account applies 20.315% (15% income tax, 0.315% special reconstruction tax, 5% resident tax) to the gain, and the difference is shown as the tax-free benefit.
- Limit warnings use the growth quota cap of 2.4 million yen per year and the 18 million yen lifetime tax-free holding limit (of which the growth quota is up to 12 million yen). A warning appears when your principal exceeds these caps.
- 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. Fees, distributions, and exchange rates are not considered.
- This tool is an estimate, not investment advice. Confirm exact rules, tax amounts, and limit management with your financial institution or official sources.
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NISA Lump-Sum Investment Simulation