Budgeting

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 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. Emergency Fund Calculator Enter your monthly expenses and situation to calculate your recommended emergency fund and see how long it takes to build it. Monthly Essential Expenses ($) $1,000$4,000$15,000 Employment Type Stable salaried (government, large company) Regular salaried employee Contract / temporary worker Freelancer / self-employed Gig worker / variable income Household Single, no dependents Couple, dual income Couple, single income Family with 1-2 children Family with 3+ children Monthly Savings Toward Emergency Fund ($) $50$500$3,000 Savings Timeline Why You Need an Emergency Fund An emergency fund is money set aside for unexpected expenses: job loss, medical bills, car repairs, or home maintenance. Without one, a single financial shock can lead to high-interest debt. ...

This article contains affiliate links. Managing money without a system is like navigating a city without a map. You might get somewhere eventually, but you’ll waste a lot of time and fuel along the way. Budgeting apps solve that problem by giving you a real-time picture of where your money goes — and more importantly, where it should go. After testing dozens of apps over several months, we narrowed the field to seven that genuinely earn a place on your phone. Here’s the unfiltered breakdown. ...