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This article contains affiliate links. Asset Allocation Simulator Enter your assets (cash, investments, real estate, etc.) and liabilities (loans, debt, etc.) to instantly calculate your net worth. Compare against age-group averages and set a personal goal. Assets Cash & Deposits (checking, savings, CDs, emergency fund) 万円 (¥10K units) Investment Assets (stocks, funds, NISA, iDeCo, crypto) 万円 (¥10K units) Real Estate (primary residence value, investment properties) 万円 (¥10K units) Other (vehicles, precious metals, insurance cash value, business assets) 万円 (¥10K units) Total Assets ¥0 Liabilities Mortgage Balance 万円 (¥10K units) Auto Loan 万円 (¥10K units) Student Loan / Education Debt 万円 (¥10K units) Credit Card Balance 万円 (¥10K units) Other Debt 万円 (¥10K units) Total Liabilities ¥0 Net Worth (Total Assets − Total Liabilities) ¥0 Debt ratio: 0% Asset Breakdown Cash & Deposits Investments Real Estate Other Liability Breakdown Mortgage Auto Student Credit Card Other Compare Against Age-Group Averages Your Age Group Select your age group 20s 30s 40s 50s 60s 70+ Age Group Median Net Worth (2+ person HH) vs. You 20s¥1,650,000— 30s¥5,260,000— 40s¥8,250,000— 50s¥12,530,000— 60s¥18,190,000— 70+¥19,050,000— Source: Survey on Household Financial Behavior (Central Council for Financial Services Information, Japan). Values shown in JPY. ...

This page contains affiliate links. We may earn a commission at no extra cost to you if you make a purchase through these links. Our editorial opinions remain independent. BMI Calculator Your Body Mass Index (BMI) is a simple number derived from your height and weight that helps gauge whether you are in a healthy weight range. Use this free calculator to find your BMI instantly — no sign-up required. Toggle between Imperial (lb/ft) and Metric (kg/cm), and get a color-coded result along with your healthy weight range and a personalized goal panel. ...

Character limit: 0 / 0 Limit exceeded Character limit: Twitter/X (280) Instagram (2200) Blog Title (60) Meta Description (160) LinkedIn Post (500) No Limit Copy UPPERCASE lowercase Title Case Clear Characters (with spaces) 0 incl. spaces Characters (no spaces) 0 excl. spaces Words 0 words Sentences 0 sentences Paragraphs 0 paragraphs Reading Time 0 min (200 wpm) Speaking Time 0 min (130 wpm) Byte Size 0 bytes (UTF-8) Top 10 Keywords by Frequency Rank Keyword Count Frequency Enter text above to see keyword frequency Copied to clipboard How to Use This Tool Paste or type any text into the box above. Character count, word count, reading time, and all other statistics update instantly as you type. The tool supports both English and Japanese text (CJK character detection included). ...

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Roll virtual dice for board games, RPGs, and tabletop gaming — right in your browser. Choose your dice type and count, watch the animated roll, and track your history. Number of Dice 1 die 2 dice 3 dice 4 dice 5 dice 6 dice 7 dice 8 dice 9 dice 10 dice Sides d4 d6 d8 d10 d12 d20 🎲 Roll 🔊 Quick Roll: 2d6 1d20 3d6 4d6 drop lowest Select your dice and click Roll — Average — Min Roll — Max Roll 0 Total Rolls Roll History (last 20) No rolls yet. Start rolling! How to Use Choose your dice count — pick 1 to 10 dice from the dropdown. Pick the die type — d4, d6, d8, d10, d12, or d20. Click Roll — watch the animated result appear with individual values and a total. Use Quick Roll — one-click presets for the most common combinations. Common Dice Combinations Combo Use case 2d6 Standard board game roll, Monopoly 1d20 D&D attack rolls, skill checks 3d6 Attribute generation in many RPGs 4d6 drop lowest D&D 5e character stat generation 1d6 Simple random decision Related Tools Random numbers → Random Number Generator Board game timer → Countdown Timer

This article contains affiliate links. Dividend Growth Simulator [2026] Enter your investment amount and dividend yield to automatically calculate your annual and monthly dividend income, the NISA tax-free benefit, and the compounding effect of reinvesting dividends. Investment Amount (¥10K units) ¥100K¥5,000,000¥50M Dividend Yield (annual) 0.5%3.5%10% Account Type NISA (tax-free) Taxable account (20.315% tax) Dividend Reinvestment Yes (compound growth) No (receive dividends as cash) Investment Period 1 yr10 years30 yrs Popular High-Yield ETF & Stock Comparison NISA vs. Taxable Account: Dividend Take-Home Comparison Dividend Investing Basics What are dividends? Dividends are cash payments a company distributes to shareholders from its profits. Simply holding qualifying stocks or ETFs earns you payouts one to four times per year. ...

This article contains affiliate links. Education Cost Calculator [2026] Just select a schooling path from kindergarten through university to automatically calculate the total education cost for one child. Compare savings requirements and see the impact of child benefit funds. Child's Current Age 0Age 318 Schooling Path Kindergarten (3 years) Public (¥170,000/yr) Private (¥310,000/yr) Elementary School (6 years) Public (¥350,000/yr) Private (¥1,670,000/yr) Middle School (3 years) Public (¥540,000/yr) Private (¥1,440,000/yr) High School (3 years) Public (¥510,000/yr) Private (¥1,050,000/yr) University National/Public (¥540,000/yr · 4 yrs) Private Liberal Arts (¥950,000/yr · 4 yrs) Private Science (¥1,300,000/yr · 4 yrs) Private Medical (¥3,500,000/yr · 6 yrs) None Quick Presets All Public Public K–12 + Private University All Private Monthly Savings Amount (¥10K units) ¥10,000¥30,000¥100,000 Total Education Cost (estimate) ¥15,770,000 ~19 years until university graduation Cost by Stage Stage Years Annual Cost Subtotal Savings Simulation Total Saved ¥6,840,000 ¥30,000 × 228 months Total Education Cost ¥15,770,000 If child benefit is saved in full Ages 0–3: ¥15,000/mo / Ages 3–15: ¥10,000/mo Total child benefit received (est.) ~¥2,000,000 Remaining shortfall after benefit — *Estimated based on post-2024 reform amounts. Actual benefit depends on household income and policy changes. Schooling Path Comparison Path Total Cost Monthly Equiv. Education Cost Benchmarks According to the Ministry of Education survey, education costs per child vary widely by schooling path. ...

This article contains affiliate links. We may earn a commission at no extra cost to you. FIRE Calculator Enter your numbers below to find your Financial Independence number, years to early retirement, and see exactly how your savings rate affects your timeline. Your Financial Details Current Age Annual Income ($) Annual Expenses ($) Current Savings / Investments ($) Expected Annual Return: 7.0% 3%12% Safe Withdrawal Rate (SWR): 4.00% 2% (Conservative)5% (Aggressive) The 4% rule is the most widely used guideline. Annual Savings Increase: 2.0% 0%5% (raises + optimization) Your FIRE Number $1,250,000 Annual expenses ÷ Safe withdrawal rate Years to FIRE 14y 3m FIRE Age Age 44 Savings Rate 37.5% Monthly Savings $2,500 Progress to FIRE 4% $50,000 now $1,250,000 goal FIRE Variants Lean FIRE Expenses × 0.8 $1,000,000 12 years 1 month Regular FIRE YOUR TARGET Your current expenses $1,250,000 14 years 3 months Fat FIRE Expenses × 1.5 $1,875,000 20 years 8 months Coast FIRE Stop saving, coast to 65 $182,000 Need $132,000 more Savings Rate Impact Years to FIRE at different savings rates (assuming same return rate) ...

This article contains affiliate links. FIRE Retirement Simulator [2026] Enter your income, annual living expenses, and current assets to automatically calculate years to FIRE and your target nest egg. Lean FIRE, Fat FIRE, and Coast FIRE are all compared in one view. Enter Your Information Current Age yrs Annual Income ($) $ Annual Living Expenses ($) $ Current Net Worth ($) $ Expected Annual Return (%): 5.0% 3%12% Withdrawal Rate (%): 4.00% 2% (conservative)5% (aggressive) FIRE Target (Required Nest Egg) $1,250,000 Annual Expenses ÷ Withdrawal Rate Years to FIRE — FIRE Age — Monthly Savings — Savings Rate — Progress to FIRE 0% Current: $0 Target: $0 FIRE Type Comparison Lean FIRE (expenses × 0.8) — Calculating... Current Setting Standard FIRE — Calculating... Fat FIRE (expenses × 1.5) — Calculating... Coast FIRE (amount needed now to reach target by 65) — Calculating... ► Show Year-by-Year Projection Year Age Annual Savings Investment Gains Total Assets Years to FIRE by Savings Rate Savings Rate 20% 30% 40% 50% 60% 70% Years to FIRE * Based on current annual expenses, withdrawal rate, and expected return. Calculated from $0 starting assets. Calculation assumptions: Annual compound interest. Taxes and inflation are not factored in. Actual investment returns vary with market conditions. This simulator is for reference only and does not constitute investment advice. What Is FIRE? FIRE (Financial Independence, Retire Early) is a lifestyle movement centered on achieving the freedom to stop working for money by accumulating enough investment assets to live off their returns indefinitely. It gained popularity in the US in the 2010s and has since spread worldwide. ...

This article contains affiliate links. We may earn a commission at no extra cost to you. Freelance Rate Calculator Enter your income goals and working hours to find the minimum hourly rate you need to charge — and the recommended rate that builds in profit and sustainability. Your Income Goals Target Annual Income ($) Billable Hours per Week: 30 hrs 20 40 Only count hours you can actually bill to clients Weeks Worked per Year: 48 wks 40 52 Subtract vacation, sick days, and holidays Annual Business Expenses ($) Software, equipment, insurance, marketing, accounting, etc. Self-Employment Tax Rate: 25% 10% 35% Includes SE tax (~15%) + federal/state income tax Profit Margin: 15% 0% 30% Buffer for business growth, slow months, reinvestment Your Freelance Rate Rate Comparison by Income Target Based on your current hours/weeks/tax settings. Your closest bracket is highlighted. Income Target Min. Rate Recommended Rate Annual Revenue Needed What You Actually Keep Pricing Strategy Never Quote Hourly — Show Project-Based Pricing Project prices based on your recommended rate. Always quote scope, not time. How to Use This Calculator Enter your target annual income — the amount you want to take home after taxes. Set your billable hours — be realistic. Most freelancers bill 25–35 hours per week; the rest goes to admin, marketing, and client management. Adjust weeks worked — subtract vacation, holidays, and sick days. Working 48 weeks is typical. Add your business expenses — software subscriptions, equipment, insurance, professional development, and accounting fees all count. Set your tax rate — self-employment tax is ~15.3% plus federal/state income tax. 25–30% total is a safe estimate for most freelancers. Choose a profit margin — this buffer protects you during slow months and funds business growth. The minimum rate keeps you afloat. The recommended rate is what you should actually charge. ...