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Japan Small Business Mutual Aid Simulator

Compare Japan’s tax deductions, benefits and member-loan interest.

20y later — On business closure (A)

Before receipt tax; supplementary benefits excluded

Annual tax savings

Enter income to estimate

20y / 20y

Automatic playback is off to respect reduced motion. Use the slider to choose a month.

Voluntary cancellation before 20 years loses principal. Actual claim reasons determine the benefit category.

Japan Small Business Mutual Aid Simulator 소개

Japan’s small business mutual aid scheme provides reserves for retirement or closure. Contributions are a personal income deduction, not a tax credit, business expense or corporate deduction. Compare modeled 2026 annual tax savings, statutory gross benefits, voluntary cancellation and one new general loan without existing general or special member loans. Cancellation before 20 years loses principal; contribution changes can cause losses even after 20 years. Short memberships may receive no benefit. Supplementary benefits, receipt taxes and contribution changes are excluded. The 1% assumed rate is not a personal compound return. Stock-investment permission and investment profits are not assumed. This is not tax or investment advice. Inputs stay in your browser.

사용 방법

  1. Enter your role, age, monthly contribution and contribution period
  2. Optionally enter taxable income and compare annual tax savings and claim categories
  3. Check loan notices, estimated interest and scheme conditions against official sources

자주 묻는 질문

Does 20 years guarantee no principal loss?

No. Contribution changes can cause losses even after 20 years. Claim reasons also determine payment amounts.

Are benefits net of tax?

No. Receipt taxes, supplementary benefits and loan offsets are excluded. Contributions cannot be deducted as expenses when benefits are treated as temporary income.

Can loans fund stock investments?

Explicit permission was not confirmed in the reviewed sources. Ask the lender. No investment return or profit is forecast.