Budgeting on a Japan Salary
A Sample Monthly Budget for English Teachers in Tokyo
Budgeting is something that’s learned—not something that comes naturally. When you
move to a new country, especially one as unique as Japan, managing your money can
feel overwhelming. The cost of living, unfamiliar pay schedules, and unexpected cultural
expenses can make it all feel a bit… stressful.
But don’t worry—this guide is here to help you budget smartly and live comfortably as
an English teacher in Japan.
According to TEFL, the average salary for English teachers in Tokyo is between
¥220,000 – ¥250,000 per month.
Step 1: Understand Your Expenses
Start by dividing your expenses into two categories:
Fixed Expenses
These don’t change month to month:
● Rent: ¥75,000
● Phone Plan: ¥4,000
● Internet: ¥5,000
Total Fixed: ¥84,000
Variable Expenses
These can change depending on your lifestyle:
● Groceries: ¥45,000
● Transportation: ¥15,000
● Eating Out / Nomikai: ¥25,000
● Household Goods: ¥10,000
● Utilities (gas/electric/water): ¥13,000
● Miscellaneous (Entertainment, Personal Care, Health, Subscriptions,
Hobbies): ¥25,000
Total Variable: ¥133,000
Sample Budget (¥250,000 Salary)
Category – Amount (¥)
Income – ¥250,000
Fixed Expenses –¥84,000
Variable Expenses –¥133,000
Leftover – ¥33,000
What To Do With Leftover Money
If you’re lucky to have money left at the end of the month, here’s where it should go:
● Emergency Fund – Aim to build 1–2 months’ worth of living expenses.
● Savings – Set aside money for travel, large purchases, or sending funds back
home.
● Debt Repayment – If applicable, prioritize high-interest loans first.
Cost-Saving Tips for Life in Japan
● Rent in older buildings or live a bit farther from major stations to lower housing
costs.
● Share houses are a popular, affordable option with private rooms and shared
spaces.
● Take advantage of commuter passes if you use public transportation regularly.
● Cook at home with meal plans and buy in bulk at stores like Aeon or Costco.
● Use ¥100 shops (like Daiso or Can Do) for affordable household goods and
essentials.
Final Tip: Budget Monthly
Since most companies in Japan pay once a month, it’s a great habit to sit down at the
start of each month to plan your spending. Adjust your budget as needed based on the
season, upcoming plans, or changes in your job.
It’s Okay to Adjust
The sample budget is just a guideline, and it is on the less frugal side. If you’re more
frugal, you could save even more—or if you’re dealing with debt or emergencies, you
may have to cut back temporarily. Be flexible and realistic with yourself.
Lastly,
Here is a sample budget sheet to help you get started when budgeting. There are also
many apps that you can download on your phone to help you budget.
If you need any help getting started on budgeting, feel free to email and contact us at
interns@legacyfoundationjapan.com. We are happy to help you understand budgeting
and help you achieve financial literacy.
Disclaimer: The information provided in this program is for general educational purposes only and is not intended as professional financial advice. Please consult with a licensed financial advisor or accountant for guidance tailored to your personal situation.
Template For Your Own Financial Budget
