NISA Investment Simulator

The new NISA (Nippon Individual Savings Account) is Japan's tax-exempt investment system launched in 2024, significantly expanded from the original NISA. It allows combining the Tsumitate (regular investment) track with an annual limit of 1.2 million yen and the Growth investment track with an annual limit of 2.4 million yen, enabling more flexible investment strategies. The lifetime tax-exempt holding limit is 18 million yen (of which 12 million for Growth), and notably, the tax-exempt holding period is unlimited—a major advantage for long-term investors.

Normally, investment gains in Japan are taxed at approximately 20.315% (15.315% income tax + 5% resident tax). However, dividends and capital gains from assets held in a NISA account are entirely tax-free, allowing profits to be reinvested and compounded without any tax drag. Over long investment horizons, this tax-exempt status can create wealth differences measured in millions of yen.

This simulator lets you visualize your projected wealth over time with compound interest by simply entering your monthly contribution and expected annual return rate. Choose between Tsumitate, Growth, or Combined investment types, and the calculator automatically applies annual and lifetime limits for accurate projections. Use it to optimize your long-term wealth building strategy with the power of compounding.