Understand how money works
Everyday money: sums and paperwork
Borrow, pay, prepare, consult. You can search by everyday financial tasks. On the calculation pages, you can enter your own numbers and try them out on the spot.
19 items
Borrow5
Calculate with Your Own NumbersWhat is the difference over ten years from a 2-point difference in the interest rate?Calculating simple and compound interestWhen depositing, borrowing, or making a late repayment.Calculate with Your Own NumbersHow much to repay each month based on the amount borrowed, annual interest rate, and number of years.Calculating the monthly repayment amountWhen considering a mortgage, education, or car loan. When consulted about a family member's debt.How to Interpret NewsWhere does a one-line "rate hike" announcement hit your wallet?How to read the news — Translating "interest rate hikes" into household termsThe day a central bank's decision made the news.How to Interpret NewsWhere does a "rate hike" headline land in your household finances?Reading a headline: "The BoJ raises interest rates"News on the day after a Monetary Policy Meeting. When you receive a notice about your mortgage interest rate. When your fixed deposit interest rate changes.Calculate with Your Own NumbersWith your principal and interest rate, how much will it become in how many years? In how many years will it double?Calculating compound interestWhen you want to know the weight of the number of years by looking at deposit or loan interest rates.
Pay6
Calculate with Your Own NumbersWhat percentage of the principal does a 1% annual fee erase over twenty years?Calculating the accumulation of feesWhen you see an annual fee that you pay for as long as you hold an asset.How to Interpret NewsWhat does the headline "Cashless Ratio Surges" say has increased?How to read the news — Reading "cash is disappearing" from the denominatorThe day you saw figures on payment ratios or "cash decline" in the newspaper or on TV.Calculate with Your Own NumbersI heard that "the yen has weakened." What has changed for my 10,000 yen?How many dollars is 10,000 yen? — Reading the strong/weak yen from your walletWhen you see news about exchange rates. When buying items priced overseas. When considering the amount to exchange before a trip.Calculate with Your Own NumbersHow much an annual percentage fee and an annual percentage inflation will reduce one's savings over a number of years.Calculating the decrease from fees and inflationWhen you see the fee rate on a statement. When you want to apply news about the inflation rate to your own savings.Steps to Take When UnsureA new payment method was recommended. What to check before using it.Five questions before using a new payment method — Whose liability? Ledger? Pay now or later? Reversibility? Contact for issues?When recommended a smartphone payment app, a new card, a point balance, crypto-assets, or dollar-pegged coins.Steps to Take When UnsureAre you only looking at the monthly fee?Five steps for reading statements and contractsBefore signing a contract. When reading a statement you've received. When considering cancellation.
Prepare6
Calculate with Your Own NumbersWhat is the difference over ten years from a 2-point difference in the interest rate?Calculating simple and compound interestWhen depositing, borrowing, or making a late repayment.Calculate with Your Own NumbersHow much will one million yen today be able to buy in ten years?Calculating the real decrease in the value of moneyWhen reading about expected pension amounts, savings amounts, or news of price hikes.Calculate with Your Own NumbersWhat percentage of the principal does a 1% annual fee erase over twenty years?Calculating the accumulation of feesWhen you see an annual fee that you pay for as long as you hold an asset.Calculate with Your Own NumbersThe amount on my pension notice has increased, but life isn't any easier. How much value is being lost?Calculating the amount lost to inflationWhen you receive your pension amount notice. When you receive a notice of your fixed deposit's maturity. When you see news of price hikes.Calculate with Your Own NumbersWith your principal and interest rate, how much will it become in how many years? In how many years will it double?Calculating compound interestWhen you want to know the weight of the number of years by looking at deposit or loan interest rates.Calculate with Your Own NumbersHow much an annual percentage fee and an annual percentage inflation will reduce one's savings over a number of years.Calculating the decrease from fees and inflationWhen you see the fee rate on a statement. When you want to apply news about the inflation rate to your own savings.
Consult2
Where to Go for HelpWho to contact in case of a dispute with an overseas seller or when receiving a solicitation in English.Where to get help when in trouble (United States, United Kingdom, European Union)Items not delivered from an overseas online store. Investment solicitations in English. Contracts signed while traveling.Where to Go for HelpIs the role of the contact point the same even in different countries?Where to get help when in trouble — Overseas (the approach is the same)When family or acquaintances overseas are in trouble. When you receive a solicitation from an overseas business.
Not be deceived6
Fraud TechniquesCan you recognize a new method by its pattern?Fraud techniques — Four signs and the methods made public in JapanWhen you are approached about money by phone, in person, on social media, or through ads.Where to Go for HelpWho to contact in case of a dispute with an overseas seller or when receiving a solicitation in English.Where to get help when in trouble (United States, United Kingdom, European Union)Items not delivered from an overseas online store. Investment solicitations in English. Contracts signed while traveling.Where to Go for HelpIs the role of the contact point the same even in different countries?Where to get help when in trouble — Overseas (the approach is the same)When family or acquaintances overseas are in trouble. When you receive a solicitation from an overseas business.Steps to Take When UnsureWhat kind of mistakes am I prone to making with money?Four questions to know your biases — loss aversion, present bias, herding, and deference to authority.Before a big purchase, contract, or solicitation. Once a year, when reviewing your own biases.Steps to Take When UnsureTo what extent can this number, this story, be trusted?Four questions to verify informationNumbers in ads. Case counts in the news. A profitable tip from an acquaintance. A help desk phone number.Steps to Take When UnsureWhat is the first thing to do when told to act "right now"?Three steps when solicited — Hang up, Verify, Talk.When asked for money or personal information by phone, in person, or by message.
Read the news8
Calculate with Your Own NumbersHow much will one million yen today be able to buy in ten years?Calculating the real decrease in the value of moneyWhen reading about expected pension amounts, savings amounts, or news of price hikes.How to Interpret NewsWhat does the headline "Cashless Ratio Surges" say has increased?How to read the news — Reading "cash is disappearing" from the denominatorThe day you saw figures on payment ratios or "cash decline" in the newspaper or on TV.How to Interpret NewsWhere does a one-line "rate hike" announcement hit your wallet?How to read the news — Translating "interest rate hikes" into household termsThe day a central bank's decision made the news.Calculate with Your Own NumbersThe amount on my pension notice has increased, but life isn't any easier. How much value is being lost?Calculating the amount lost to inflationWhen you receive your pension amount notice. When you receive a notice of your fixed deposit's maturity. When you see news of price hikes.Calculate with Your Own NumbersI heard that "the yen has weakened." What has changed for my 10,000 yen?How many dollars is 10,000 yen? — Reading the strong/weak yen from your walletWhen you see news about exchange rates. When buying items priced overseas. When considering the amount to exchange before a trip.How to Interpret NewsWhere does a "rate hike" headline land in your household finances?Reading a headline: "The BoJ raises interest rates"News on the day after a Monetary Policy Meeting. When you receive a notice about your mortgage interest rate. When your fixed deposit interest rate changes.Calculate with Your Own NumbersHow much an annual percentage fee and an annual percentage inflation will reduce one's savings over a number of years.Calculating the decrease from fees and inflationWhen you see the fee rate on a statement. When you want to apply news about the inflation rate to your own savings.Steps to Take When UnsureTo what extent can this number, this story, be trusted?Four questions to verify informationNumbers in ads. Case counts in the news. A profitable tip from an acquaintance. A help desk phone number.