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NISA Investment Simulator
Enter your monthly contribution, expected annual return, and investment horizon to instantly calculate your future asset value and tax-free benefit.
What to Do After Running Your Simulation
Once you see your projected results, the next step is to open a brokerage account that supports NISA and start investing in a low-cost index fund.
- No brokerage account yet? Open a NISA-compatible account at a major online broker
- Unsure which fund to buy? Look for a global equity index fund (e.g. tracking MSCI ACWI) with annual fees below 0.2%
- Wondering about NISA limits? New NISA allows 1.2M JPY/yr in the tsumitate (accumulation) slot and 2.4M JPY/yr in the growth slot — 3.6M JPY/yr total with a 18M JPY lifetime cap
Frequently Asked Questions
Q: How accurate are these projections? This tool uses the standard future value of an annuity formula with monthly compounding. Real market returns fluctuate year to year; treat this as a directional estimate, not a guarantee.
Q: Is a 5% annual return realistic? The S&P 500 has averaged roughly 10% annually over 30 years. A globally diversified index fund typically lands at 7–8%. After fees, 5% is a conservative baseline for long-term planning.
Q: What are the NISA contribution limits? Under the New NISA (2024 onwards): Tsumitate (accumulation) slot — 1.2M JPY/year; Growth slot — 2.4M JPY/year; Combined — 3.6M JPY/year; Lifetime tax-free holding limit — 18M JPY.
Q: Does this simulator work for non-NISA accounts? Yes. Use the “Investment Gains” figure as your gross profit. For a taxable account, subtract 20.315% from the gains. The “Tax-Free Benefit” card shows exactly how much you would save by using a NISA account instead.
Related Tools
- Compound Interest Calculator — Model any compound growth scenario with a full milestone table
- Furusato Tax Simulator — Combine NISA with Furusato Nozei for maximum tax efficiency
- Percentage Calculator — Calculate return rates, fee impacts, and more