Is the simulator useful outside Japan?

The budgeting structure is useful anywhere, but land price, tax, loan, and official reference data are Japan-focused. Use local data before making decisions.

Does the simulator decide how much I can borrow?

No. It shows a planning estimate based on income, loan term, rate, and repayment burden. Actual borrowing depends on local lenders, credit, property, insurance, and household conditions.

Home planning

See the whole budget before falling in love with one number.

A home plan is not only land and the building itself. It also includes exterior work, design and permit costs, moving, furniture, reserves, cash left on hand, loan size, rate, term, and monthly payment.

Use the Japanese simulator What it checks

Illustrated family planning scene for home and life tools — The live simulator is Japan-focused. Land price estimates use Japanese public land price data and should be replaced with local data outside Japan.

Total cost

Land, building, and the hidden layers

The simulator separates land, main building, ancillary work, exterior work, design fees, miscellaneous costs, furniture, moving, and reserve money.

Loan

Income and repayment burden

It compares household income with estimated borrowing and monthly payment. This is not a lender decision, but it makes the pressure visible.

Cash

Keep money after moving in

Planning only the purchase price can leave the household tight. The tool separates cash used for the project from cash you want to keep.

Japan data

Municipality land prices are Japan-only

The Japanese simulator uses public land price data from Japan's Ministry of Land, Infrastructure, Transport and Tourism. For other countries, overwrite land price fields with local figures.

Local checks

Always replace official assumptions locally

Mortgage rates, closing costs, taxes, insurance, subsidies, and borrowing rules vary by country and lender. Use the simulator as a worksheet, not a final financial answer.