How much does it really cost to retire in Japan as an expat? A realistic 2026 guide covering monthly living costs, pensions, healthcare, taxes, and how much savings you actually need.

Moving to Japan for work or retirement is a big step. But once you’ve settled in, the next challenge begins: building a real, fulfilling life here. In this post, I’ll share some of our own experiences and what I recommend to others trying to make Japan truly feel like home.

If it’s time to retire, you’ve likely weathered every kind of storm—mistakes, sleepless nights, illness, loss, empty nests... maybe even a beloved dog who saw you through it all. First of all—congratulations.