Japan NISA Investment Growth Calculator
Model a fixed monthly contribution and hypothetical annual return. Contributions stop when the 18 million yen lifetime allowance is filled, while the projected account value continues to move with the assumed return.
Illustration only, not investment advice or a forecast. Returns are uncertain, losses and fees are possible, product eligibility matters, and the model does not track allowance restored after a sale or separate growth-investment sub-limits.
Enter your scenario
Use the details that match your situation. Your estimate stays in this browser.
How this estimate works
- The 2024 NISA has a combined annual investment allowance of up to 3.6 million yen and a lifetime acquisition-cost allowance of 18 million yen.
- This model compounds the selected annual return monthly and adds the contribution at the end of each month.
- Investment growth can exceed the allowance because the official limit applies to acquisition cost, not market value.
Official sources
- Financial Services Agency: NISA limits and system overview
- Financial Services Agency: official NISA accumulation simulator
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
What are the main NISA limits?
The combined annual limit is up to 3.6 million yen and the lifetime acquisition-cost allowance is up to 18 million yen, with a separate growth-investment sub-limit.
Can NISA account value exceed 18 million yen?
Yes. The allowance tracks acquisition cost, so investment growth can take market value above the allowance.