Cumulative amount
Total public pension received from claiming age through life expectancy. Taxes and social insurance are not included.
Free tool
Pension deferral simulator
Enter your estimated annual public pension at age 65, then compare annual benefits, cumulative benefits, and break-even ages for starting at 60, 65, 70, or 75.
Enter assumptions
10k yen/year
years old
Result
Calculating...
Calculating pension claiming patterns from your assumptions.
How to read the result
Break-even
The age when cumulative benefits from another claiming age overtake age-65 claiming.
What is missing
Real decisions also need expenses, drawdowns, taxes, social insurance, spouse benefits, and health context.
FAQ
What should I enter?
Enter the estimated annual pension amount at age 65, usually from your Nenkin regular notice. If the estimate is 2,000,000 yen per year, enter 200 in units of 10,000 yen.
If age 70 has the highest cumulative amount, should I always defer to 70?
No. This is a rough cumulative-benefit comparison. Real decisions should also consider expenses, liquid assets, taxes, social insurance, health, and spouse pension benefits.
What is break-even age?
It is the age when cumulative benefits from early or deferred claiming catch up with cumulative benefits from starting at age 65.
Are taxes and social insurance included?
Not yet. This free tool excludes taxes, social insurance, dependent pension add-ons, and spouse pension benefits.
Calculation rules
Early claiming
Starting before 65 is estimated using a 0.4% reduction per month.
Deferred claiming
Starting after 65 is estimated using a 0.7% increase per month.
Methodology
See the methodology pagefor adjustment rates, cumulative amount, and break-even logic.