Tools tagged "finance"

Estimate the 20.315% Japanese tax on listed-stock and mutual-fund capital gains (income tax 15% + 0.315% reconstruction surtax + 5% resident tax). Enter sale proceeds, acquisition cost (incl. buy-side fees) and sell-side expenses; the tool returns the gain, each tax line and the after-tax take-home. Losses display zero tax and a note about the 3-year carry-over deduction. Excludes NISA / iDeCo tax-free balances. Runs entirely in your browser — your figures never leave the device.

Project the future value of an investment compounded over time. Supports three modes: principal only, monthly contributions, or annual contributions. Great for simulating Tsumitate NISA / iDeCo / certificates of deposit. Year-by-year balances can be exported as CSV. Principal, rate, and term stay in your browser — nothing is uploaded.

Free online Japanese consumption tax (shōhizei) calculator. Convert net ↔ gross both ways at the 10% standard rate, 8% reduced rate, or a custom rate, and see net, tax, and gross amounts together. Selectable rounding (floor / round / ceiling). Runs entirely in your browser — no amounts are uploaded.

Apply multiple coupons (% off, flat amount off, point rebate, sales tax) to a list price in a specific sequence and see how the final total moves. E-commerce checkouts and brick-and-mortar registers don't always apply coupons in the same order, and the answer differs depending on the sequence. Reorder the coupons to see step-by-step totals at every stage, then compare orderings to **find the cheapest** and **most expensive** sequence automatically. Pairs nicely with `discount-calc` (stacking two %-off rates) when you need richer behaviour: 5+ coupons, tax-before vs. tax-after, point rebates with their own basis. Nothing is uploaded — math runs in your browser.

Simulate Japanese credit-card revolving (リボ払い) repayments month-by-month from the current balance, fixed monthly payment, and APR. Visualize months-to-payoff, total interest paid, and the principal vs interest split over time. Supports three Japanese-style methods: balance-slide (残高スライド), equal-payment (元利定額), and equal-principal (元金定額). Most card issuers charge 15.0–18.0% APR — keeping the minimum payment low usually grows the balance instead of paying it down, so the tool also lets you compare an extra-payment scenario. Nothing leaves your browser.

Compute sale prices, discount amounts, and discount rates in four modes: (1) list price + discount% → savings + final price, (2) list price + sale price → effective discount %, (3) list price + discount amount → discount %, (4) list price + discount1 + discount2 → final price after stacking (e.g. 30% off + extra 10% = 1 − 0.7 × 0.9 = 37% off). Each mode also displays tax-included / tax-excluded values (10% / 8% / custom). Useful for shoppers comparing deals and store owners pricing inventory. Runs entirely in your browser.

Calculate how much each person owes when splitting a bill. Enter the total and the number of people, choose a rounding unit (1 / 10 / 100 / 500 / 1000), and see the per-person amount instantly. Two modes: (1) 『Even』 — everyone pays the same rounded-up amount, and one person gets a discount on the difference; (2) 『Organizer』 — most pay the rounded-down amount, and the organizer covers the leftover. The reconstructed total and the difference are shown live. Everything runs in your browser.

Lays out monthly income, expenses, fixed costs, and every tax due date (income tax prepayments, resident tax 4 instalments, NHI 8 instalments, business tax, consumption tax mid-year) on a per-month calendar for Japanese sole proprietors. Shows how much you can put toward investments or savings each month, refunds included. Runs entirely in your browser.

Builds a per-month calendar of this year's tax due dates and amounts (resident 4×, NHI 8×, business tax, income-tax prepay 2×, consumption mid-year) directly from your prior-year return (business income, taxable income, final income tax, consumption tax). Add this year's income, expenses, and fixed costs to see how much cash is left each month. Runs entirely in your browser.

Free online Japan freelance / sole-proprietor tax calculator. Annual estimator covering income tax, resident tax, consumption tax, national health insurance, business tax, and furusato-nozei cap. Useful for kojin jigyō nushi planning their year-end provisional tax. Runs entirely in your browser — figures never leave your device.

Estimate the furusato-nozei cap (the donation amount where your own contribution stays at the standard ¥2,000) from annual gross salary, family composition, and social-insurance premium. Shows the income-tax and resident-tax deduction breakdown. Runs entirely in your browser. For sole proprietors, use the freelance-tax-jp tool instead.

Furusato-nozei (hometown tax) cap calculator for Japanese sole proprietors and freelancers. Enter annual sales, business expenses, blue-return deduction, family composition, and other deductions to see the donation amount where your out-of-pocket stays at the standard ¥2,000. Shows the income-tax refund, resident-tax basic, and resident-tax special breakdown. Runs entirely in your browser. Salaried workers should use furusato-calc instead.

Enter the gift amount for the year and estimate the Japanese gift tax under the annual (暦年課税) method. Switch between the special rate (lineal descendants aged 18+) and the general rate (everyone else). The JPY 1.1M annual basic deduction and the NTA rate / quick-deduction tables are applied. The settlement-at-inheritance method (相続時精算課税) is also supported, reflecting the 2024 reform that added a separate JPY 1.1M annual deduction on top of the cumulative JPY 25M lifetime allowance (20% flat above). Runs entirely in your browser — figures never leave the device.

Estimate the tax savings of Japan's two main tax-advantaged investment accounts. iDeCo mode tallies the annual income-tax + 10% resident-tax deduction on contributions (using the progressive bracket table) AND the 20.315% capital-gains exemption. NISA mode only applies the 20.315% gain exemption. Compare against the after-tax outcome of doing the same monthly contributions in a regular taxable brokerage account. Runs entirely in your browser — your figures never leave the device.

Enter the estate value and your heir composition (spouse yes/no, child / parent / sibling counts) for a Japanese inheritance tax estimate. The tool applies: the JPY 30M + JPY 6M × heirs basic deduction, the per-heir taxable amount from the legal-share split, the NTA quick-deduction tables (8 brackets, up to 55%), the spousal tax credit (zero tax for a spouse taking exactly the legal share), and the 20% surcharge on siblings. Heir-class priority (children → parents → siblings) is detected automatically. Runs entirely in your browser — estate figures never leave the device.

Estimate Japan's long-term care insurance premium for Class-1 insured (age 65+) using the MHLW 9-tier standard and a municipal base amount. Defaults to the FY2026 national average base of ¥6,225 / month; pick your tier (multipliers 0.30–1.70) for an annual + monthly figure. Includes a tier-selection hint table based on resident-tax status / pension income / aggregate income. Runs entirely in your browser.

Estimate Japan's Kyokai-kenpo (national health insurance association) health + long-term care + welfare pension + the new FY2026 child-care support levy from monthly pay and bonuses, split 50/50. Covers all 47 prefecture rates and both 50-tier health / 32-tier pension grade tables. Runs entirely in your browser.

Estimate Japan's National Health Insurance (kokuho) premium for FY2026 across the 4 categories (medical / support / care / child-care). Auto-applies 7/5/2 reductions and pre-school / under-18 carve-outs. Tokyo 23-ward preset + custom municipal rates. Runs entirely in your browser.

Estimate Japan's employment insurance premium from monthly pay + bonus using FY2026 (Apr 2026 – Mar 2027) rates, split into employee + employer (incl. job-stability + skill-development levies). General 13.5/1000, agriculture/forestry/fishery/sake 15.5/1000, construction 16.5/1000 — pick via mode toggle. Only the employee share is deducted from pay. Runs entirely in your browser.

Simulate mortgage, auto, and student-loan repayments under both equal-payment and equal-principal schedules. Enter principal, annual rate, and term to see the monthly payment, total interest, total paid, and a full amortization table. Everything runs in your browser — no loan or income data is uploaded.