Enter your planned monthly contributions and this calculator shows when you’ll hit the annual Tsumitate limit (JPY 1.2M) and Growth limit (JPY 2.4M) each year, and how long it takes to reach the lifetime cap (JPY 18M total, of which the Growth Allowance is capped at JPY 12M) at your current pace.
NISA Allowance Calculator
Enter your monthly contributions to see when you’ll hit each NISA limit
* This is a simplified, principal-only estimate that assumes your monthly contribution stays within the annual cap and continues unchanged — it does not account for investment returns. Always double-check your actual allowance usage in your brokerage app, and consult a qualified tax professional for your specific situation.
How to Use This Calculator
- Enter how much you plan to contribute each month to the Tsumitate Allowance and the Growth Allowance separately. (Annual caps are JPY 1.2M and JPY 2.4M, so the monthly maximums are roughly JPY 100,000 and JPY 200,000.)
- If you already have an active NISA account, enter how much you’ve invested so far in each allowance (based on purchase price, for simplicity). Enter 0 for either if you’re starting fresh this year.
- Click Calculate to see how much of each annual limit you’re on track to use this year, and how long it will take at your current pace to reach the lifetime caps (JPY 12M for Growth, JPY 18M total).
- Adjust the contribution amounts to compare different scenarios — for example, how much faster you’d reach the lifetime cap by maxing out both allowances versus using just one.
The Numbers Behind This Calculator
Under Japan’s 2024 NISA overhaul, the limits are as follows.
| Allowance | Annual Limit | Lifetime Limit |
|---|---|---|
| Tsumitate Allowance | JPY 1.2M | No separate sub-cap |
| Growth Allowance | JPY 2.4M | JPY 12M |
The combined lifetime cap (the tax-free holding limit) across both allowances is JPY 18M, of which no more than JPY 12M may come from the Growth Allowance.
For a deeper explanation of how the two allowances differ and how to use them together, see our guide: Tsumitate vs Growth NISA: Using Both Allowances Together.
Frequently Asked Questions
Q. What are the annual limits for the Tsumitate and Growth allowances?
A. The Tsumitate Allowance has an annual limit of JPY 1.2M, and the Growth Allowance has an annual limit of JPY 2.4M.
Q. What’s the lifetime cap, and how much of it can come from the Growth Allowance alone?
A. The combined lifetime cap is JPY 18M, of which no more than JPY 12M may come from the Growth Allowance.
Q. Does this calculator account for investment returns?
A. No. It’s a simplified, principal-only estimate that assumes your monthly contribution stays within the annual cap and continues unchanged — it doesn’t factor in investment gains.
Q. What if the result doesn’t match what my brokerage app shows?
A. This calculator is for reference only. Always double-check your actual allowance usage in your brokerage app, and consult a qualified tax professional for your specific situation.
Key Takeaways
- Annual limits are JPY 1.2M for the Tsumitate Allowance and JPY 2.4M for the Growth Allowance.
- The combined lifetime cap is JPY 18M, with the Growth Allowance capped at JPY 12M of that total.
- This calculator gives a principal-only estimate — it does not reflect actual investment returns.
- Confirm your real allowance usage in your brokerage app, and consult a tax professional for your specific situation.