amipoor.com › Is my salary enough in Tokyo? › ¥400,000/month
🇯🇵 Tokyo · JPY salary guide

Is ¥400,000 enough in Tokyo?

A full breakdown of whether ¥400,000/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.

😬
Very tight
Covers basics with almost nothing left. One unexpected cost could derail your budget.
¥280,000
Take-home after 30% tax
¥280,000
Average monthly costs
¥0
Left over per month
📊 A 0% savings rate means reaching financial independence in roughly 40+ years. To accelerate: increase income, reduce rent (your largest cost at ¥130,000/month), or plan to spend retirement in a lower-cost location.

Where your ¥400,000 goes in Tokyo

🏠 Rent
¥130,000
🛒 Groceries
¥40,000
🚇 Transport
¥15,000
🍽 Dining
¥50,000
💡 Utilities
¥15,000
📦 Other
¥30,000
Total costs ¥280,000/month

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.

Compare other salary levels in Tokyo

¥150,000¥200,000¥250,000¥300,000¥350,000¥400,000¥450,000¥500,000¥600,000¥700,000¥800,000¥900,000¥1,000,000¥1,200,000¥1,500,000¥2,000,000¥2,500,000¥3,000,000¥4,000,000¥5,000,000

Get your personalised FIRE plan

Enter your complete financial picture. Get your exact retirement date and a free AI plan — first one free.

Calculate my FIRE date →

Related