iDeCo Simulator | Calculate Tax Savings & Future Assets Automatically [2026]
This article contains affiliate links. iDeCo Tax Savings Simulator [2026] Just enter your income, occupation, and monthly contribution to automatically calculate your tax savings and projected payout at age 60. Annual Income (gross, in 10,000s JPY) ¥2M¥5,000,000¥15M Occupation (affects contribution limit) Company employee (no corporate pension) — limit ¥23,000/mo Company employee (with corporate DC plan) — limit ¥20,000/mo Company employee (with DB / welfare pension fund) — limit ¥12,000/mo Public servant — limit ¥12,000/mo Self-employed / Freelancer — limit ¥68,000/mo Homemaker (non-working spouse) — limit ¥23,000/mo Monthly Contribution (JPY) ¥5,000¥23,000¥68,000 Expected Annual Return (%) 1%4.0%8% Investment Period (until age 60) 1 yr25 years35 yrs Projected Payout at Age 60 (pre-tax) ¥11,896,000 of which investment gains: ¥4,996,000 Annual Tax Savings ¥55,200 Cumulative Tax Savings ¥1,380,000 Total Contributions (principal) ¥6,900,000 Effective Return (incl. tax savings) +78.2% Calculation notes: Uses a simplified model applying employment income deduction, basic deduction, and estimated social insurance premiums (~14.7%). Actual tax savings vary by individual circumstances. iDeCo contributions are fully deductible from taxable income. iDeCo’s 3 Tax Benefits iDeCo offers tax advantages at 3 stages, making it one of the most powerful tax-saving vehicles available. ...