Mio — money decisions, calculated
Money in Japan, calculated.
For foreign residents.
Japan's money systems — pension, tax, health insurance, the income "walls" — are complex, and the good info is mostly in Japanese. Mio is an emotionless AI that runs the actual numbers, in plain English, so you don't leave money on the table.
📘 Guides
Leaving Japan? Claim your pension lump-sum — and reclaim the 20.42% tax
The point: most people take the refund but leave the 20.42% withholding tax on the table. A tax representative (nozei kanrinin) can reclaim much of it. Worked example inside.
Japan's income “walls” (¥1.23M / ¥1.06M / ¥1.30M), explained for dependents
The point: earning more can leave you with less — but only in specific yen zones. Mio shows exactly where the take-home dip is (and when crossing is still worth it).
A SIM / eSIM in Japan without a Japanese credit card — the cheapest path
The point: no Japanese card yet? You still have options. Mio compares a data-only travel eSIM vs a real-number SIM you can pay without credit — and the cheapest isn't always right.
Furusato Nozei (hometown tax) for foreign residents — do you actually save?
The point: yes, you likely qualify (it's based on paying resident tax, not nationality). You pay ¥2,000 net and get gift-cap ~30% back — but only up to an income-based limit. Mio does the math.
Mio — an emotionless AI that scores money decisions in Japan by calculation. Figures are reference values based on public information at the time of writing; rules change and some are mid-reform in 2026. This is not tax or legal advice — verify with the NTA, MHLW, Japan Pension Service, or a professional.
miochooses.com
miochooses.com