Free financial tools.

11 free tools — no signup required. Instant answers.

Do I Need to File?

Tax Filing Checker

Find out if you need to file 確定申告.

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Project your tax-free returns

NISA Calculator

Project your tax-free investment returns.

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Understand your Japanese payslip

Payslip Decoder

Understand every line on your Japanese payslip.

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Compare the real costs

Buy vs Rent Calculator

Compare the real costs of buying vs renting.

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Estimate your potential refund

Tax Refund Estimator

Estimate your potential tax refund.

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What insurance do you need?

Insurance Checker

Find out what insurance you actually need.

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Leaving Japan? Get your pension back

Pension Refund Calculator

Estimate your 脱退一時金 pension refund.

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Know your real pay

Salary Calculator

See your actual take-home pay.

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Optimize your hometown tax

Furusato Nozei Calculator

Calculate your optimal ふるさと納税 limit.

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Plan your home purchase

Mortgage Calculator

Calculate your monthly mortgage payment.

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Maximize your deductions

Freelancer Expense Calculator

Estimate taxes and optimize deductions.

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FinBuddy provides general educational information about Japan's financial systems based on publicly available laws and regulations. This is NOT tax advice (税務相談), financial advice, or any form of professional consultation as defined under 税理士法, 金融商品取引法, or related legislation. For advice specific to your situation, please consult a licensed 税理士 (certified tax accountant) or ファイナンシャルプランナー (financial planner). FinBuddy is an educational tool, not a substitute for professional advice.