🇯🇵 Tokyo · JPY salary guide
Is ¥1,000,000 enough in Tokyo?
A full breakdown of whether ¥1,000,000/month covers the cost of living in Tokyo — including take-home pay after tax, monthly costs, your savings rate, and how long until financial independence.
💡 At a 60% savings rate, you could reach financial independence in approximately 11 years — retiring with a portfolio of ¥84,000,000 covering all your Tokyo costs indefinitely at a 4% withdrawal rate. eMAXIS Slim 全世界株式 via SBI or Rakuten Securities. NISA account is essential — ¥1.8M/year tax-free.
Key facts about Tokyo
More affordable than most global cities of equivalent status. The expanded NISA (2024) makes tax-free investing more accessible than ever in Japan.
Tax situation
Income tax + resident tax roughly 30% effective for mid-range salaries. 20.315% flat on investment income.
Best investment accounts
eMAXIS Slim 全世界株式 via SBI or Rakuten Securities. NISA account is essential — ¥1.8M/year tax-free.
Your path to financial independence in Tokyo
FIRE number for TokyoBased on average costs of ¥280000/month, your financial independence number is ¥84,000,000 — the portfolio that covers your costs indefinitely at a 4% annual withdrawal.