🇯🇵 Osaka · JPY salary guide
Is ¥800,000 enough in Osaka?
A full breakdown of whether ¥800,000/month covers the cost of living in Osaka — 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 ¥69,000,000 covering all your Osaka costs indefinitely at a 4% withdrawal rate. Same NISA strategy as Tokyo. eMAXIS Slim global fund via SBI or Rakuten.
Key facts about Osaka
More affordable than Tokyo with similar NISA benefits. Japan's food and culture capital. Excellent quality of life at lower cost.
Tax situation
Same tax structure as Tokyo. Slightly lower resident tax rate in Osaka.
Best investment accounts
Same NISA strategy as Tokyo. eMAXIS Slim global fund via SBI or Rakuten.
Your path to financial independence in Osaka
FIRE number for OsakaBased on average costs of ¥230000/month, your financial independence number is ¥69,000,000 — the portfolio that covers your costs indefinitely at a 4% annual withdrawal.