How do I use the NISA Investment Simulator?

Enter the required values and the NISA Investment Simulator will instantly calculate and display the result. No registration required.

Is the NISA Investment Simulator free?

Yes, all tools on CalcBOX are completely free with no registration required.

All calculations are performed in your browser. No data is sent to any server.

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NISA Investment Simulator

Simulate asset growth with Japan's New NISA tax-free investment system. Visualize tax savings.

Preset Scenarios

Settings

Investment Type

Initial Holdings (Lump Sum)(non-NISA quota)

万

Monthly Investment(10,000 - 100,000)

Annual: 600,000 yen

Expected Annual Return

Investment Period

Simulation Results

Total Invested (Principal)

12,000,000

1,200万 yen

Investment Gains

8,637,315

864万 yen

Total Assets

20,637,315

2,064万 yen

Tax Saved (NISA Benefit)

1,754,671

Tax rate: 20.315%

Taxed Account Total

18,882,645

Difference: -1,754,671 yen

Remaining Lifetime Limit

6,000,000

Limit: 18,000,000 yen

📊Scenario Comparison (Final Assets)

Pessimistic (3%)

1,646万

Base (5%)

2,064万

Optimistic (7%)

2,620万

Asset Growth Chart

* Simulation results do not guarantee future investment performance.

* Actual investments carry risks, and the principal may decrease.

* Based on the New NISA system (from 2024). Tsumitate: 1.2M/yr, Growth: 2.4M/yr, Total annual: 3.6M/yr, Lifetime: 18M yen.

* "Initial Holdings" are treated as non-NISA assets and do not count toward the NISA lifetime limit.

📖How to Use

1Enter monthly contribution amount and expected annual return
2Simulate growth with Japan's new NISA (growth and accumulation investment accounts)
3Compare with taxable accounts to see the tax-saving benefit

💡Tips & Knowledge

•New NISA has a lifetime investment limit of ¥18M (¥12M growth + ¥6M accumulation). Tax-free indefinitely
•At 5% annual return over 30 years, ¥30,000/month grows to about ¥24.9M from ¥10.8M principal
•Taxable accounts charge 20.315% on gains. NISA's biggest benefit is eliminating this tax

❓Frequently Asked Questions

Q.What is the NISA account?

A. NISA (Nippon Individual Savings Account) is a Japanese tax-exempt investment account. Gains and dividends within the account are completely tax-free. The 2024 New NISA allows up to ¥3.6M/year with a lifetime limit of ¥18M.

Q.How long is the tax-exempt period?

A. The 2024 New NISA has no time limit on tax exemption — holdings can remain tax-free indefinitely. This is a major improvement over the old NISA system.