What is the breakeven life expectancy for delaying to age 70?

If delayed to age 70, living past age 81 years and 11 months yields higher cumulative lifetime cash than starting at age 65.

What is the penalty for starting early at age 60?

Starting at age 60 permanently reduces your lifetime pension by -24% (-0.4% per month early) and waives subsequent disability pension eligibility.

JapanUpdated for 2026Finance

Japan Public Pension Early vs. Delayed Start Calculator 2026 (Kuriage / Kurisage)

Calculate lifetime pension adjustments under Japan's early (-0.4%/month, max -24%) and delayed (+0.7%/month, max +84% at age 75) pension uptake options, including breakeven longevity ages.

Pensions & Superannuation Retirement & Pensions Savings Growth

Calculated Result

Adjusted Annual Pension

¥2,556,000

Lifetime Adjustment Rate

42%

Calculator Inputs

Standard Annual Pension at Age 65

Quick select:

Target Pension Start Age (60 to 75)

Quick select:

Adjusted Annual Pension

¥2,556,000

Lifetime Adjustment Rate

42%

Adjusted Monthly Pension

¥213,000

Estimated Breakeven Age

76.9 yrs

Delayed uptake locks in a permanent lifetime increase to your public pension.

Pension Comparison

Standard Age 65 Base

¥1,800,000(41%)

Final Annual Pension

¥2,556,000(59%)

Based on National Pension Act Art. 28 & 28-2 (Age 75 maximum delay cap). The chosen multiplier percentage is permanent for life.

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: 国民年金法第28条 (繰上げ支給・月0.4%減額) 及び第28条の2 (繰下げ支給・最大75歳月0.7%増額改定基準)Last Verified: 2026-09-03

Calculation Methodology

Early Cut = Early Months × 0.4% (Max -24%); Delayed Boost = Delay Months × 0.7% (Max +84% at age 75).

Frequently Asked Questions

Delaying beyond age 65 permanently increases payouts by +0.7% per month: +42% at age 70, and up to +84% (1.84x) at age 75 for life.

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Japan

Japan Public Pension Early vs. Delayed Start Calculator 2026 (Kuriage / Kurisage)

Calculator Inputs

Pension Comparison

Calculation Methodology

Frequently Asked Questions

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