Savings Maturity Calculator (Lump-Sum Tax)
From your monthly contribution, annual rate, and term, calculate the maturity value (principal + interest) and the lump-sum tax on the interest. See your after-tax payout instantly.
Last updated:
Input
yen
%
yr
Tax rate on interest
%
Result
After-tax maturity amount (tax rate 20.315%)
9,310,903yen
Pre-tax maturity value (principal + interest) is 9,849,060 yen
Total principal
7,200,000 yen
Interest (pre-tax)
2,649,060 yen
Tax (lump sum at maturity)
538,157 yen
Balance build-up (principal + interest, pre-tax)
Principal
Interest (pre-tax)
Balance over time (yearly, pre-tax)
| Year | Cumulative principal | Cumulative interest | Balance |
|---|---|---|---|
| 1 | 360,000 | 4,991 | 364,991 |
| 2 | 720,000 | 21,085 | 741,085 |
| 3 | 1,080,000 | 48,617 | 1,128,617 |
| 4 | 1,440,000 | 87,936 | 1,527,936 |
| 5 | 1,800,000 | 139,401 | 1,939,401 |
| 6 | 2,160,000 | 203,382 | 2,363,382 |
| 7 | 2,520,000 | 280,258 | 2,800,258 |
| 8 | 2,880,000 | 370,422 | 3,250,422 |
| 9 | 3,240,000 | 474,278 | 3,714,278 |
| 10 | 3,600,000 | 592,243 | 4,192,243 |
| 11 | 3,960,000 | 724,745 | 4,684,745 |
| 12 | 4,320,000 | 872,228 | 5,192,228 |
| 13 | 4,680,000 | 1,035,146 | 5,715,146 |
| 14 | 5,040,000 | 1,213,969 | 6,253,969 |
| 15 | 5,400,000 | 1,409,181 | 6,809,181 |
| 16 | 5,760,000 | 1,621,280 | 7,381,280 |
| 17 | 6,120,000 | 1,850,780 | 7,970,780 |
| 18 | 6,480,000 | 2,098,210 | 8,578,210 |
| 19 | 6,840,000 | 2,364,116 | 9,204,116 |
| 20 | 7,200,000 | 2,649,060 | 9,849,060 |
How it works
- The monthly rate is calculated as "annual rate (%) รท 100 รท 12", and the number of contributions as "term (years) ร 12". It assumes monthly contributions compounded monthly.
- The pre-tax maturity value FV is found with the future value formula for an ordinary annuity (end-of-period payments): FV = monthly contribution ร ((1 + monthly rate)^n โ 1) รท monthly rate. When the monthly rate is 0%, it is monthly contribution ร n.
- Total principal is "monthly contribution ร number of contributions", and interest (pre-tax) is "maturity value โ total principal".
- Tax is calculated as "interest ร tax rate รท 100", assuming it is levied in a lump sum at maturity. The default tax rate is Japan's separate withholding tax of 20.315% (income tax 15% + special reconstruction income tax 0.315% + resident tax 5%), and it can be changed.
- The after-tax maturity payout is "pre-tax maturity value โ tax". The year-by-year balance breakdown applies the same formula using the number of contributions through the end of each year to show cumulative principal, cumulative interest, and balance.
- Note: actual savings products may differ due to their taxation method (annual taxation, taxation at profit realization, etc.), fees, and rate fluctuations. The estimates here are approximate only.
Reviews
Tell us what you think of this calculator.
Write a review
Found an incorrect result or a problem? Turn this on to report it.
Rating