Simulation: What if a 30s Engineer Aims for Asset Building by Moving to the Netherlands?

This article is the result of a MoveWorth simulation for a hypothetical model case. It is not based on real people or cases.

How would asset building change if a 30s engineer moved to the Netherlands (NL) alone? In this article, we use the MoveWorth simulation to compare cash flow and asset trends between Japan and NL.

Persona Setting for a 30s Engineer Considering Relocation

In this model case, a 30s engineer is simulating a move to NL with the goal of asset building. The annual income in Japan is 9,500,000 yen, and the income in the destination country is 82,000 euros (equivalent to 13,530,000 yen). The local income is based on the simulator's industry-specific reference values (foreign professional standards), and rent, living expenses, and tax rates use the simulator's country-specific preset values.

Comparing Monthly Cash Flow in Japan and NL

In Japan, the monthly income (before tax) is 791,667 yen, the tax amount is 237,500 yen, and the monthly income after tax is 554,167 yen. Rent is 80,000 yen, living expenses are 120,000 yen, resulting in a monthly savings of 360,250 yen.

On the other hand, in NL, the monthly income (before tax) is 6,833 euros (equivalent to 1,127,500 yen), the tax amount is 2,597 euros (equivalent to 428,505 yen), and the monthly income after tax is 4,237 euros (equivalent to 699,050 yen). Rent is 1,500 euros (equivalent to 247,500 yen), living expenses are 800 euros (equivalent to 132,000 yen), resulting in monthly savings of 1,964 euros (equivalent to 324,060 yen). These figures are simple monthly values of the input annual income and values at the beginning of the first year of the simulation (reflecting a 2% salary increase rate and inflation rate).

Let's Look at Asset Trends After 5 and 10 Years

Starting with initial savings of 3,000,000 yen, the assets after 5 years if continuing in Japan would be 28,507,899 yen, and after moving to NL would be 25,892,754 yen, with a difference of -2,615,145 yen. After 10 years, continuing in Japan would result in 63,242,209 yen, and after moving would result in 56,667,580 yen, with a difference of -6,574,629 yen.

Considering the Impact of Taxes, Living Costs, and Currency

The tax rate in Japan is 30%, while in NL it is relatively high at 38%. The inflation rate is constant at 2.5% in both countries, but the exchange rate is 1 euro = 165 yen, indicating a yen depreciation trend. These factors influence asset building.

Additionally, this simulation does not include overseas medical insurance, private medical insurance premiums, private pension and defined contribution pension contributions, temporary return costs, children's education costs (such as international schools), or visa acquisition and renewal costs. Considering these may result in actual net assets being less than the simulation values.

Why Not Try It with Your Conditions?

Asset building after relocation is influenced by various factors. If you want to try it with your conditions, please try the MoveWorth simulator from the link below.

Try with Your Conditions