Shortfall age
See the first age when total assets turn negative under your current assumptions.
Free tool
Retirement simulator
Enter your age, assets, income, expenses, severance pay, iDeCo, public pension, and life events to estimate whether your assets last through retirement. If they do not, Allretire works backward to the retirement age your plan needs.
What this simulator shows
Work-back retirement age
If the plan runs short, the simulator extends work by one year at a time to find the earliest viable retirement age.
Life-event impact
Add one-time events such as education, renovation, inheritance, or car replacement costs and see how they change the plan.
How to read the result
Liquid savings
Liquid savings reflect work income, pension, lump sums, life events, taxes, and living expenses. Negative years are shown as shortfalls.
Investment assets
Investment assets compound at the return rate you set. The current version visualizes growth separately from liquid savings.
Annual table
Open the annual cash-flow table to inspect income, pension, lump sums, events, expenses, taxes, savings, investments, and total assets by age.
FAQ
Are there other simulators?
Yes. Allretire also includes a severance and iDeCo optimizer, a pension deferral simulator, and an expert directory for retirement-related guidance in Japan.
What does this tool calculate?
It projects annual cash flow from your current age through life expectancy, including work income, public pension, severance pay, iDeCo, investment growth, living costs, taxes, and life events.
Where is my information saved?
Inputs are saved in your browser localStorage. They are temporarily sent to the calculation API when you run the simulation, but Allretire does not store personal data from this free tool.
Which taxes are included?
The model includes simplified employment income tax, public pension deductions, retirement income deductions, and the 5-year / 19-year overlap rules. Resident tax, social insurance, surtax, and spouse deductions are not yet included.
What do investment return and inflation model?
Investment assets compound at the annual return rate. Living expenses increase at the inflation rate. Market uncertainty is not modeled, so conservative assumptions are recommended.
How does the tool work backward to a retirement age?
When annual income is positive, the tool extends retirement age one year at a time and returns the earliest age where total assets do not go negative through life expectancy.