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Early or Deferred Pension

Author: sampomichExecutions: 361
TOP/Shared Formulas (Life)/Finance

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This calculator determines the age at which the cumulative total of pension benefits received—when you start receiving your old-age pension (Basic Pension and Employees’ Pension) earlier or later than the standard age of 65—exceeds the total amount you would have received had you started at age 65,
a point known as the “break-even point.”
Early withdrawal: Receive benefits early—between the ages of 60 and 64—even if the amount is reduced.
Deferred withdrawal: Delay the start of benefits until age 66 or later to receive a higher amount.
Pension amounts may be listed as a combined total (please list them separately if one is deferred).
(Applies to individuals born on or after April 2, Showa 16.)

Our main calculation site also provides early and deferred pension calculations, so please
refer to it as well (search for “pension” in the search box in the upper right corner).
Date of Birth
Start Receiving
years old
Months
Basic Pension Amount at Age 65
yen(Monthly)
Same: Welfare Pension Amount
yen(Monthly) Unless you are deferring payments individually, you may combine them in the top column.
Arrival Date years old MonthsReversal at
Monthly Pension Amount at Age 65 yen(Combined and reposted)
Monthly Pension Amount Before and After Adjustment yenRate of Change ％
Total Pension Amount 1,000 yen(From the start of receipt to the number of months elapsed)
If you opt for early withdrawal with a reduced benefit, the cumulative total will grow at a slower rate, and by the time of the calculation, the total amount received later—
the total received at age 65—will catch up to and surpass it.
Conversely, if you are confident you will live a long life, delaying your withdrawal to receive a higher benefit will allow the total to catch up to and surpass
the total received at age 65 by the time of the calculation.
We provide the rate of increase or decrease based on the number of months of early or delayed receipt, along with the cumulative calculation.
*Accuracy is not guaranteed. For specific questions, please contact your local Pension Office or similar agency.
https://www.nenkin.go.jp/service/jukyu/seido/roureinenkin/kuriage-kurisage/index.html
Japan Pension Service: Early or Delayed Retirement

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