Taisyoku Navi Launches 'Net Amount Reverse Calculator' for Retirement Benefits: AI Calculates Necessary Gross Amount and Optimal Receipt Methods

Taisyoku Navi (https://taisyoku.xyz), a retirement benefit information service, has launched the 'Net Amount Reverse Calculator,' a tool that calculates the necessary gross retirement benefit and the optimal receipt method based on the user's desired net amount. Tool URL: https://taisyoku.xyz/tools/reverse-calculator. Are you feeling reassured just by hearing a 'gross amount of 20 million yen'? Almost all retirement benefit figures discussed are 'gross amounts.' Whether it's the amount in company regulations, what you heard from colleagues, or averages seen online—none of these are the net amount. Retirement benefits are subject to income and residence taxes. Furthermore, the tax calculation formula differs significantly depending on whether the receipt method is a 'lump-sum' or 'pension.' Even with the same gross amount, there is a large difference in the net amount between a lump-sum payment, which can utilize the retirement income deduction, and a pension, which is taxed annually as miscellaneous income. According to the National Tax Agency's 2022 statistics, there were approximately 770,000 filers for retirement income. While many people face tax calculations when receiving retirement benefits, only a small fraction simulate whether a 'lump-sum or pension is more advantageous' in advance. According to the Ministry of Health, Labour and Welfare's 'General Survey on Working Conditions' (2023), among companies with retirement benefit systems, 69.0% have 'lump-sum only,' 9.6% have 'pension only,' and 21.4% have 'both.' For employees at companies with both systems, they can often choose the ratio of lump-sum to pension, and the final net amount changes depending on that ratio. The decisive difference from conventional simulators is that they followed the flow of 'input gross amount -> calculate net amount.' However, what people actually considering retirement want to know is the reverse. This tool reverses the input and output to meet needs like 'I want to secure 15 million yen net for retirement' or 'I want to pay off an 8 million yen mortgage balance.' Step 1: Input desired net amount. Step 2: Input basic information (years of service, reason for retirement, age, pension details, other income). Step 3: AI calculates three patterns (Full Lump-sum, Full Pension, and Combined). Step 4: Output a comparison table. This tool is useful for financial planning 3-5 years before retirement, considering mortgage repayment, or evaluating career changes. It also supports potential 2025 tax reforms. Please note this is an estimate; consult a professional for exact calculations.