Is Japan a Good Place to Retire? For Curious Explorers
For many, the answer is a surprising—and genuine—yes. Whether you’re in the early stages of exploring the idea or just curious about what life could look like after retirement in a different country, Japan might be more than just an interesting option—it could be the opportunity of a lifetime.
This is the first post in a three-part series:
For curious explorers
For planners who’ve decided to relocate
And finally, for settled expats already living in Japan
Why Japan Appeals to Retirees
Japan has a quiet magnetism that draws people in. Beyond the beauty of cherry blossoms and traditional temples, there are practical, compelling reasons why people choose to spend their retirement years here.
1. Safety and Stability
Japan consistently ranks as one of the safest countries in the world. The low crime rate, courteous society, and overall orderliness can give you peace of mind—especially as you grow older. Kids ride trains late from Juku (prep schools for entrance exams)—no worries. I’ve walked home at midnight, fearless—peace of mind matters as you age. Japan’s GDP ranks 4th globally (2024), with a stable government stepping up for foreigners—expat support’s growing (select your language, top right):
https://www.moj.go.jp/isa/support/fresc/fresc01.html
https://www.moj.go.jp/isa/support/portal/index.html
2. Excellent and affordable Healthcare
Japan offers high-quality medical care at a fraction of the cost you might expect in the U.S. Once you obtain a residence card and register your address, you’re eligible to enroll in the National Health Insurance (NHI) system. No need to be employed. From that point, healthcare becomes both accessible and affordable.
You do not worry about provider networks like in the U.S.—you can visit any clinic or hospital, including medical, dental, and vision care.
Your out-of-pocket co-payment is capped based on your income, which adds a layer of financial protection. Unless you seek highly specialized treatments such as heavy particle beam therapy (重粒子線治療), most standard treatments are covered under NHI. Even advanced options like that are available if you choose to self-pay.
To help English speakers, the government maintains a list of clinics and hospitals with English-speaking staff:
Note: Excel’s in Japanese—need a clinic near you? Tell me, I’ll dig it up!
In addition, Japan offers excellent senior care services—both at care homes and through in-home support.
As long as you have a residence card and a registered address (which are also required to enroll in the National Health Insurance system), you are eligible for Japan’s long-term care insurance (kaigo hoken), even as a foreign resident. This system provides access to a wide range of services, including home visits, day care, rehabilitation, and residential care—based on your needs and level of support required.
3. Japan Can Offer an Affordable Cost of Living
Retirement’s beauty is no need to live in urban areas for work. Pick the right region—housing’s small but smart. If you want a big house, the countryside’s your spot—though who wants to clean the big house forever? Consumption tax is 10% (March 2025), low vs. many countries, and goods/food beat U.S. prices. Bonus: the yen’s weak now—$1 = ¥150.73 (today’s rate)—so your Social Security stretches further. Your dollars go long! Check U.S.-Japan cost comparisons —Japan’s a quiet win.
4. Efficient Public Transportation
Forget about needing a car. Japan's train and bus systems are reliable, punctual, clean and senior-friendly. However, countryside is a different story. You still need a car.
Walking shed my husband’s pounds, stabilized his blood pressure. Why not, you have time.
5. Deep Cultural and Social Opportunities
Retirement doesn’t have to mean isolation or boredom. Japan offers endless opportunities to explore culture, history, arts, and lifelong learning.
One of my Australian friend once told me that he never liked loud New Year’s Eve parties. Then he spent New Year’s Eve in Nara/Japan. It was completely silent until midnight. A deep temple gong echoed through the night – a sound of prayer. That moment made his decide to live in Japan. As for religion, my husband is a member of local Christian church.
Real Stories: Why They Stay
One thing I’ve noticed is many American veterans and long-term expats I’ve met aren’t just passing through—they’ve decided to retire here. For some, it’s about peace and healing. For others, it's about a simple life.
Is It Right for You?
That’s a deeply personal question. Retiring here means language hurdles, cultural shifts, family miles away. I’ve felt that ache. Read “6 Points Japan Isn’t Perfect” for the flip side. I am fair about it.
However, for those who are open to new experiences—Japan offers a deeply rewarding environment.
If the idea intrigues you, keep reading. The next post in this series will walk you through the actual planning process.