MoneyForge: JP Loan & Tax

Bank websites answer one question each. Work out a repayment, then go somewhere else for the deduction, then somewhere else again for take-home pay. MoneyForge collects sixteen of those calculations — the ones a household in Japan actually needs — in one place. Housing 1. Mortgage repayment — monthly payment and total paid, from principal, rate and term 2. How much can be borrowed — from income and debt-service ratio 3. Effect of prepayment — shortening the term versus reducing the payment, and the interest saved 4. Refinancing — whether it pays once the fees are subtracted 5. Variable rate — what happens if the rate rises 6. Mortgage tax credit — the expected deduction Tax 7. Take-home from gross salary — after income tax, residence tax and social insurance 8. Furusato Nozei ceiling — the range that stays within the 2,000-yen out-of-pocket 9. Take-home from a retirement lump sum — after the length-of-service deduction 10. Inheritance tax estimate — from the basic deduction and statutory shares 11. Gift tax — under annual taxation Debt and assets 12. Revolving credit payoff — when it ends and how much interest it costs 13. Future value of regular investing 14. Drawdown — how long a pot lasts Property 15. Building depreciation — by structure and age 16. Stamp duty — by contract value bracket About the arithmetic. Money computed in floating point drifts by a yen at a time. This uses decimal fixed-point instead, and the results are cross-checked against 568 measured values from the iOS build so the two produce the same figures. Tax tables and deduction brackets are held as tables in the code. Japanese and English, with no missing strings in either. — Eleven of sixteen, free Eleven of the sixteen: numbers 1, 2, 6, 7, 8, 9, 11, 12, 13, 15 and 16 above. Up to 3 saved runs, and schedules shown to 60 rows. No ads. — The other five The remaining five — prepayment, refinancing, variable rate, inheritance tax and drawdown — plus unlimited saved runs and full-length schedules. A monthly plan, a yearly plan, or a single payment that is never billed again. — Not included CSV or PDF export, sharing to other apps, notifications, reminders, widgets, cloud sync. None of these are implemented, so please do not install expecting them. A saved run keeps its result, but reopening it does not restore the inputs you typed. — Please note These are estimates, not tax or lending advice. Tax depends on deductions and special provisions, and mortgage terms are decided by the lender's underwriting. Check with a tax accountant, the tax office or your bank before filing or borrowing.