Living Costs

These tools help you estimate the fixed costs that come around every month or every year. You can work out an electricity bill from an appliance’s power draw, check water and gas charges, add up car running costs such as road tax, weight tax, compulsory insurance, and inspection fees, and compare insurance premiums by no-claims grade and discount conditions.

Electricity Cost Calculator | Estimate Monthly Bill by Appliance

Enter each appliance's wattage, usage time, and electricity rate to estimate your monthly electricity bill. Add multiple appliances and see the total cost at a glance.

Car Maintenance Cost Calculator | Monthly & Annual Running Costs

Enter vehicle tax, optional insurance, inspection fees, parking, and gasoline costs to estimate the total monthly and yearly cost of keeping your car on the road.

Vehicle Tax Calculator (Japan)

Enter your engine displacement (for regular cars) or vehicle type (for kei cars) along with the first registration date to estimate Japan's annual automobile tax or light vehicle tax, including whether the aged-vehicle s...

Vehicle Tax Proration Calculator (Japan)

Estimate the prorated Japanese automobile tax when you register a regular or compact car partway through the fiscal year, or deregister (scrap) one. Enter the displacement, fuel type, and registration date to see the est...

Environmental Performance Tax Calculator (Japan)

Enter the vehicle price and fuel efficiency achievement tier to estimate Japan's Environmental Performance Tax, a one-time tax charged when you acquire a car. Supports the lower rate cap for kei (light) cars.

Compulsory Automobile Liability Insurance (CALI / Jibaiseki) Calculator

Choose a vehicle category (passenger car, kei car, motorcycle, or moped) and a contract term to estimate Japan's mandatory CALI insurance premium required for vehicle inspection and registration.

Vehicle Weight Tax Calculator (Japan)

Select your vehicle weight class (for regular/compact cars) or kei car, the inspection type (new registration or renewal), and the eco-car tax reduction category to estimate Japan's vehicle weight tax, including the 13-y...

Japan Vehicle Recycling Fee Estimator

Get a quick estimate of Japan's automobile recycling fee (rikuru ryokin) by vehicle class — kei car, compact, standard, or large/SUV. Includes a breakdown of the fee and how to look up the exact amount.

Japan Vehicle Inspection (Shaken) Total Cost Calculator

Select your vehicle type, eco-car tax reduction category, compulsory insurance term, and recycling fee vehicle class to estimate the total shaken (vehicle inspection) cost — statutory fees plus optional maintenance and a...

EV vs Gasoline Car Lifetime Cost Comparison

Enter vehicle prices, annual mileage, expected ownership years, electricity and gasoline prices, and efficiency figures to compare the lifetime cost of an EV versus a gasoline car and find the break-even point.

Kei Car vs Regular Car Running Cost Comparison

Enter engine displacement, annual mileage, gasoline price, and fuel efficiency to compare the annual running costs of a kei car (Japanese light vehicle) and a regular/compact car, including automobile tax, weight tax, co...

Japanese Car Insurance Grade Premium Calculator

Enter your current voluntary car insurance premium and Japanese no-fleet grade to estimate the annual premium at another grade or accident coefficient. Includes a static grade 1-20 discount and surcharge table.

Japanese Car Insurance Claim vs Self-Pay Break-Even Simulator

Enter your repair cost, deductible, Japanese no-fleet grade, and premium to project 10 years of grade-drop premium increases and find the break-even year against paying for repairs yourself.

Second-Car Discount Eligibility Checker & Grade Simulator

Check whether a second car policy qualifies for Japan's second-car discount (grade 7 start) from the first car's grade, ownership, vehicle class, and policyholder relationship, and compare grade 6 vs. 7 premiums.

Gold License & Driver Age Condition Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how changing your license color (gold/blue) and driver age condition affects your annual premium.

Driver Scope Rider (Named Insured Only / Named Insured & Spouse Only) Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how changing the driver scope rider (unlimited, named insured only, or named insured and spouse only) affects your annual premium.

Deductible (Self-Pay Amount) Change Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how changing the collision deductible tier (0 yen, 50,000 yen, or 100,000 yen) affects your annual premium.

Telematics Insurance Enrollment Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching between not enrolled, standard-score, and excellent-score telematics (driving-behavior) insurance tiers affects your annual premium.

Sales Channel (Agent vs. Direct) Insurance Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching between an agent-based (face-to-face) channel and a direct (online/phone) channel affects your annual premium.

Paperless Policy Discount Insurance Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching between a paper policy and a paperless (online-only) policy affects your annual premium.

Usage Purpose (Daily/Commute/Business) Insurance Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching your declared usage purpose between daily/leisure, commuting/school, and business affects your annual premium.

Commute Cost Comparison (Car vs Public Transit)

Enter your one-way distance, workdays per month, fuel efficiency, gas price, and parking fee, along with your public transit monthly pass price, to compare the monthly cost of commuting by car versus public transit and s...

Water Bill Calculator

Enter your monthly water usage to estimate your monthly water bill based on a two-part tariff of a base fee plus tiered usage charges. Includes a reference table of typical water usage by activity.

Gas Bill Calculator

Enter your monthly gas usage and choose city gas or propane (LP gas) to estimate your monthly gas bill, based on a base fee plus usage-rate pricing structure. Includes an explanation of why city gas and propane prices di...