AI retirement simulator for Japan
Know when you can retire with confidence.
Model Japanese pensions, severance pay, iDeCo, NISA, savings, living costs, and life events in one place. Answer a few questions and Allretire turns them into a practical retirement timing and drawdown plan.
Retirement asset simulation
- Invested assets
- Savings drawdown
Retirement timing, drawdown order, and pension start age can change your assets at age 100 by tens of millions of yen.
Make the three major retirement decisions with numbers
Compare when to leave work, when to start receiving pension benefits, and how to receive severance pay and iDeCo under the same assumptions and Japan-specific tax rules.
Work backward to your retirement age
Combine savings, spending, pension income, and life events to see how many more years of work your plan needs.
Open the retirement simulator ->Choose when to start your pension
Compare total benefits and break-even ages for starting at 60, 65, 70, or 75 with one consistent set of assumptions.
Open the pension deferral simulator ->Optimize severance pay and iDeCo
Review seven scenarios, including the 5-year rule, 19-year rule, and annuity options, to find the strongest after-tax sequence.
Open the severance and iDeCo optimizer ->
Start with your own numbers.
Then bring an expert into the hard parts.
Use Allretire to understand pensions, severance pay, and asset-building at your own pace. Once the numbers are clear, ask a financial planner or labor and social security attorney about the decisions that still need judgment.