🏠 Japan House Purchase Planner

🏠 Property

House Price

Down Payment

Loan Term

yrs

Loan Interest Rate

Extra Fees
agent, tax, legal, renovation…

💴 Income & Expenses

Annual Salary

Current Monthly Rent

Other Monthly Expenses

📈 Income

Annual Income After Tax —

Monthly Income After Tax —

💰 Savings

Total Monthly Expenses —

Monthly Savings —

Down Payment Amount —

Extra Fees Amount —

Months to Save —

Rent % of Monthly Income —

Other Expenses % of Monthly Income —

🏦 Mortgage

Loan Amount —

Monthly Loan Repayment —

Total Interest Paid —

📊 Affordability

Loan Payment % of Income —

Disposable Income After Loan —

ℹ️ Notes

Tax uses Japan's 2024 progressive national rates + 10% local inhabitant tax (simplified; excludes deductions).
Loan repayment uses the standard annuity formula common for Japanese flat-rate mortgages.
"Disposable Income" reflects post-purchase life: rent disappears, other expenses remain.
"Months to Save" accounts for both the down payment and extra fees.
Loan-payment-to-income ratio ≤30% is highlighted green; >30% is red.