Japan iDeCo Tax Saving Calculator
Estimate the current-year tax effect of deducting iDeCo contributions from income. Because contribution limits depend on pension and employer-plan status and change for some people in December 2026, enter a cap you have confirmed.
Planning estimate only. Confirm eligibility and the correct contribution cap for your pension and employer-plan status, especially around the December 2026 reform. Actual savings depend on taxable income and filing or payroll procedures.
Enter your scenario
Use the details that match your situation. Your estimate stays in this browser.
How this estimate works
- The full eligible iDeCo contribution is an income deduction under the official system.
- The estimate multiplies annual contributions by the marginal national and resident tax rates entered.
- It does not project investment returns, fees, benefit taxation, or changes in future tax rates.
Official sources
- National Pension Fund Association: official iDeCo overview and contribution deduction
- National Pension Fund Association: iDeCo simulator
- MHLW: 2025 pension reform and December 2026 iDeCo limit changes
Rules and published amounts can change. Open the source pages and confirm the date and conditions before making a tax, payroll, benefits, pension, or investment decision.
Frequently asked questions
Why must I confirm my own iDeCo contribution cap?
The cap depends on pension category and employer retirement-plan status, and limits change for some participants in December 2026.
Are all iDeCo contributions deductible?
Eligible contributions are fully deductible from income, but the cash tax effect depends on taxable income and marginal tax rates.