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Key Facts: Financial Planning Skills Certification Grade 1 Exam

120/200

Kinzai 学科 combined pass mark

Kinzai FP1 学科 試験要綱

8,900 JPY

Kinzai 学科 non-taxable fee

Kinzai 2026 timetable / 試験要綱

50 + 5

Kinzai 基礎編 items and 応用編 cases

Kinzai FP1 学科 試験要綱

20,000 JPY

JAFP Grade 1 written practical fee

JAFP 1級試験要綱

28,000 JPY

Kinzai Grade 1 oral practical fee

Kinzai 2026 timetable

FP Grade 1 is Japan's top national FP skills test. Kinzai written: 50 MCQ + 5 cases, 300 minutes, 120/200, 8,900 JPY. Practical is JAFP written (20,000 JPY, 120 min) or Kinzai oral (28,000 JPY). This bank is independent English MCQ study, not the official Japanese papers.

Sample Financial Planning Skills Certification Grade 1 Practice Questions

Try these sample questions to review concepts for the Financial Planning Skills Certification Grade 1 exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Kinzai and JAFP Grade 1 試験科目, which statement about 1級ファイナンシャル・プランニング技能検定 is correct?
A.JAFP administers the Grade 1 学科 paper and Kinzai administers only the written 実技
B.Kinzai 学科 covers six domains (A–F); Kinzai 実技 (資産相談業務) is oral, while JAFP 実技 (資産設計提案業務) is a written paper of 2 cases / 20 items
C.Passing Kinzai 学科 alone confers the 1級ファイナンシャル・プランニング技能士 title
D.Grade 1 実技 is a single nationwide CBT paper identical for Kinzai and JAFP
Explanation: Kinzai's published 試験科目 list Grade 1 学科 as A ライフプランニングと資金計画 through F 相続・事業承継. Kinzai 実技 is 資産相談業務 by interview; JAFP 実技 is 資産設計提案業務, a 120-minute written paper (2題 / 20問, 60/100). Both 学科 and 実技 must be passed for the 技能士 title. This English bank is independent MCQ study, not an official paper or an oral simulation.
2In ファイナンシャル・プランニングと関連法規, which activity may a Grade 1 FP skill holder perform without a separate professional license?
A.Prepare and file a client's income-tax return for a fee
B.Draft a legally binding will that disposes of the client's estate
C.Explain publicly available 公的年金 and NISA rules and help the client set quantified life-plan targets
D.Solicit a specific listed stock as a discretionary investment adviser
Explanation: Grade 1 細目 require detailed knowledge of 税理士法, 弁護士法, 保険業法, and 金融商品取引法, and Kinzai/JAFP 実技 both test ethics plus related-statute boundaries. Explaining published social-security and tax frameworks and turning goals into numbers is core FP work. Compensated tax-document preparation, legal-instrument drafting, and unregistered securities advice sit with other licenses.
3A couple's キャッシュフロー表 shows this year's 可処分所得 8,400,000 yen, living costs 6,200,000 yen, and loan principal repayments 900,000 yen. Annual savings (change in financial assets, ignoring valuation) are which amount?
A.8,400,000 yen
B.2,200,000 yen
C.1,300,000 yen
D.300,000 yen
Explanation: On a household キャッシュフロー表, the residual that increases financial assets is 可処分所得 minus consumption minus debt-principal repayment (interest is already in living/finance costs if modeled that way). 8,400,000 − 6,200,000 − 900,000 = 1,300,000 yen. Grade 1 細目 require using ライフイベント表, キャッシュフロー表, and a personal バランスシート together.
4When building a personal バランスシート for a Grade 1 応用編-style case, how should a 35-year remaining 住宅ローン and the home be presented?
A.Show only the original purchase price as an asset and omit the loan
B.Show the home at a current market (or agreed appraisal) value on the asset side and the outstanding loan balance as a liability
C.Net the loan against the home and report only a single residual asset
D.Record the remaining payment total (principal plus all future interest) as the liability
Explanation: A personal バランスシート lists assets at current value and liabilities at the outstanding principal. Gross presentation of the home and the mortgage makes loan-to-value and net worth transparent for 実技-style advice. Future interest is a cash-flow item, not a present balance-sheet liability.
5Which 6つの係数 is used to convert a present lump sum into a level annual withdrawal over n years at rate r (capital recovery)?
A.終価係数 (future-value factor of 1)
B.現価係数 (present-value factor of 1)
C.資本回収係数 (capital recovery factor)
D.減債基金係数 (sinking-fund factor)
Explanation: 資本回収係数 equals r(1+r)^n / ((1+r)^n − 1) and turns a nest egg into a level annuity. Grade 1 細目 list 係数の意味と活用 under proposal-letter work. 減債基金係数 is the inverse problem: the annual saving that accumulates to a future lump sum.
6A salaried client's annual 額面 is 7,200,000 yen. Social-insurance premiums total 1,080,000 yen and income tax plus 住民税 total 720,000 yen. Ignoring other items, 可処分所得 is which amount?
A.7,200,000 yen
B.6,120,000 yen
C.5,400,000 yen
D.6,480,000 yen
Explanation: 可処分所得 is gross cash compensation minus social-insurance premiums minus income and inhabitant taxes. 7,200,000 − 1,080,000 − 720,000 = 5,400,000 yen. Grade 1 細目 treat 可処分所得 as an input to キャッシュフロー表, not as 額面 pay.
7Client K is a 厚生年金保険 insured person who will still be working at 65. Which statement about 在職老齢年金 after April 2026 is correct (Japan Pension Service / MHLW)?
A.老齢基礎年金 is reduced by the same formula as the earnings-related 老齢厚生年金
B.For FY2026, if 基本月額 plus 総報酬月額相当額 is 650,000 yen or less, the 老齢厚生年金 is paid in full; only the excess over 650,000 yen is halved as a suspension
C.Any wage above 0 yen fully stops 老齢厚生年金
D.The FY2026 threshold remains 510,000 yen per month
Explanation: Japan Pension Service states that from April 2026 (令和8年度) the 支給停止調整額 is 650,000 yen per month: full payment if 基本月額 + 総報酬月額相当額 ≤ 650,000 yen, otherwise suspension of (sum − 650,000) ÷ 2 from the earnings-related pension. 老齢基礎年金 is not adjusted. The prior-year 510,000 yen figure is obsolete for FY2026 cases.
8MHLW's FY2026 年金額 revision lists which monthly 老齢基礎年金 (満額) for persons born on or after 2 April 1956?
A.65,000 yen
B.68,000 yen
C.70,608 yen
D.83,000 yen
Explanation: MHLW's 年金制度のポイント table gives FY2026 基礎年金 70,608 yen per month for that birth cohort (with a slightly different 満額 for older cohorts). Independent Grade 1 study should use the published monthly figure rather than a memorized prior-year amount. Annual 満額 is 70,608 × 12 yen if a case asks for a yearly cash flow.
9A coefficient table gives 終価係数 1.2190 for 2% over 10 years. How much does 4,000,000 yen grow to if left at 2% for 10 years (no additional deposits)?
A.4,000,000 yen
B.4,876,000 yen
C.8,000,000 yen
D.3,281,000 yen
Explanation: 終価係数 is (1+r)^n. Future value = 4,000,000 × 1.2190 = 4,876,000 yen. Grade 1 応用編 cases routinely hand you the coefficient so the skill is choosing 終価係数 rather than inventing a compound-interest table.
10A coefficient table gives 年金現価係数 16.351 for 2% over 20 years. What is the present value of a 1,200,000 yen year-end annuity for 20 years at 2%?
A.1,200,000 yen
B.24,000,000 yen
C.19,621,200 yen
D.73,440 yen
Explanation: 年金現価係数 discounts a level annuity to a lump sum: 1,200,000 × 16.351 = 19,621,200 yen. That is the amount that must be funded today to support a 20-year retirement draw at 2% if withdrawals are modeled as a year-end ordinary annuity.

About the Financial Planning Skills Certification Grade 1 Exam

1級ファイナンシャル・プランニング技能検定 is Japan's highest national FP skills grade under the Human Resources Development Promotion Act. Kinzai's 学科 combines a 50-item four-option 基礎編 (150 minutes) and a five-case 応用編 (150 minutes) with a 120/200 combined pass mark and an 8,900 JPY non-taxable fee. Practical routes differ: JAFP's 資産設計提案業務 is a 120-minute Japanese written paper (20,000 JPY, 60/100) on 13 Sep 2026; Kinzai's 資産相談業務 is a half-day oral (28,000 JPY). OpenExamPrep publishes independent English multiple-choice study for the six FP domains. It is not an official translation, not a Kinzai or JAFP paper, and not a substitute for Japanese constructed-response writing or the oral practical.

Exam sponsor: Kinzai (金融財政事情研究会) and JAFP (日本FP協会) as MHLW-designated bodies. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

National skill test under MHLW. Kinzai runs Japanese 学科 (mark-sheet + written cases) three times in the 2026 cycle and a half-day oral practical. JAFP runs a Japanese written practical once (13 Sep 2026). Both 学科 and 実技 are required for the 1級技能士 title.

Time Limit

Kinzai 学科: 150 min + 150 min. JAFP 実技: 120 min. Kinzai 実技: half-day oral.

Passing Score

Kinzai 学科 120/200. JAFP 実技 60/100. Kinzai 実技 (oral) 120/200, being two interviews scored 100 points each.

Exam / Certification Fees

8,900 JPY Kinzai 学科 (non-taxable). Practical fees: 20,000 JPY JAFP written or 28,000 JPY Kinzai oral (non-taxable).

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

17% of this local practice set

ライフプランニングと資金計画

Pensions, social insurance, coefficients, and funding cases used in Grade 1 応用編.

17% of this local practice set

リスク管理

Insurance products, taxation, and protection funds at Grade 1 depth.

17% of this local practice set

金融資産運用

Bonds, equities, trusts, NISA/iDeCo, and portfolio math.

17% of this local practice set

タックスプランニング

Income types, deductions, credits, and owner-manager tax judgments.

16% of this local practice set

不動産

Appraisal, brokerage, building-coverage/FAR, and real-estate taxes.

16% of this local practice set

相続・事業承継

Heirs, 遺留分, inheritance-tax math, and succession gifts.

Preparing for the Financial Planning Skills Certification Grade 1 Exam

What You Need to Know

  • Passing score: Kinzai 学科 120/200. JAFP 実技 60/100. Kinzai 実技 (oral) 120/200, being two interviews scored 100 points each.
  • Assessment: National skill test under MHLW. Kinzai runs Japanese 学科 (mark-sheet + written cases) three times in the 2026 cycle and a half-day oral practical. JAFP runs a Japanese written practical once (13 Sep 2026). Both 学科 and 実技 are required for the 1級技能士 title.
  • Time limit: Kinzai 学科: 150 min + 150 min. JAFP 実技: 120 min. Kinzai 実技: half-day oral.
  • Exam / certification fees: 8,900 JPY Kinzai 学科 (non-taxable). Practical fees: 20,000 JPY JAFP written or 28,000 JPY Kinzai oral (non-taxable). Official sources

Using Our Practice Resources

  • Work through all 100 available questions
  • Review every answer and explanation
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Financial Planning Skills Certification Grade 1: Suggested Study Strategy

1Treat 応用編 as the scoring bottleneck: five cases, 150 minutes, and no four-option safety net.
2Memorize only tax and social-insurance figures you have confirmed on NTA, Japan Pension Service, or the current 法令基準日 materials.
3Practice statutory-share and inheritance-tax basic-deduction arithmetic until it is automatic.
4If you sit JAFP 実技, rehearse Japanese gap-fill and short written recommendations; this bank does not simulate that language task.
5If you sit Kinzai oral practical, drill spoken case structure separately from these MCQs.

Frequently Asked Questions

Who runs FP Grade 1?

It is a national skill test under MHLW. Kinzai administers 学科 and an oral practical. JAFP administers the written 実技 (資産設計提案業務).

What is the Kinzai written format and pass mark?

基礎編 is 50 four-option mark-sheet items in 150 minutes. 応用編 is 5 constructed-response cases in 150 minutes. Combined pass is 120 out of 200.

How much does it cost in 2026?

Kinzai lists 8,900 JPY for 学科 and 28,000 JPY for its oral practical (both non-taxable). JAFP lists 20,000 JPY for its written practical (non-taxable). You choose one designated practical route.

Is this bank an official Japanese paper?

No. OpenExamPrep items are independent English multiple-choice study. They are not an official translation and cannot replace Kinzai 応用編 writing or Kinzai's oral practical.