Money & Finance Tools

Calculate salary, investments, loans, and taxes

💰 Income

Take-Home Pay CalculatorCalculate net pay from gross salary

Income Tax Calculator2026 Japan tax reform ready

Pension CalculatorEstimate future pension benefits

📈 Investing

Compound InterestSimulate long-term investment growth

Life Plan SimulatorPlan retirement and education costs

Habit Cost CalculatorHow much could you save by quitting?

🏠 Loans

Loan RepaymentMonthly payment & total interest

Mortgage CalculatorDetailed home loan simulation

Rent vs BuyCompare 30-year total costs

Frequently Asked Questions

Q.What is compound interest?

A. Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. Over long time horizons, this creates exponential growth compared to simple interest.

Q.How is take-home pay calculated?

A. Take-home pay (net pay) is gross salary minus income tax, resident tax, and social insurance premiums. In Japan, this is typically 75-85% of gross pay.