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Key Facts: Financial Planning Skills Certification Grade 2 Exam

36/60

Written pass mark on 60 four-option items

JAFP 2級・3級試験要綱 / Kinzai FP2 試験要綱

120 + 90 min

学科 and 実技 times

JAFP / Kinzai 2026 Grade 2 pages

11,700 JPY

Combined non-taxable fee for both papers

JAFP 試験要綱 / Kinzai fee schedule

CBT

2026 Grade 2 delivery except published pause windows

Kinzai 2026 timetable; JAFP schedule

FP Grade 2 is a national MHLW skill test on Kinzai/JAFP CBT in 2026. Written: 60 four-option items, 120 min, 36/60, 5,700 JPY. Practical: 90 min, 6,000 JPY. This bank is independent English MCQ study, not official CBT papers.

Sample Financial Planning Skills Certification Grade 2 Practice Questions

Try these sample questions to review concepts for the Financial Planning Skills Certification Grade 2 exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1In ライフプランニングと資金計画, which occupational principle is treated as a core duty of ファイナンシャル・プランニング on the Grade 2 range (範囲の細目)?
A.Put the client's interest first and keep client information confidential
B.Maximize product sales volume for the planner's employer
C.Share household cash-flow detail with any family member who asks
D.Guarantee a specific investment return when the client is anxious
Explanation: Kinzai and JAFP Grade 2 細目 for ファイナンシャル・プランニングと倫理 list customer-interest priority and 守秘義務 among the occupational principles. Advice is a consultation service, not a sales quota and not a return guarantee.
2In ライフプランニングと資金計画, 税理士法 most tightly restricts which act when the planner is not a 税理士?
A.Explaining, in general terms, that 所得税 uses ten income categories
B.Calculating a named client's tax and preparing that client's return as a business
C.Handing the client the National Tax Agency's public pamphlet URL
D.Noting that 確定申告 has a statutory filing deadline
Explanation: Grade 2 関連法規 coverage includes 税理士法. Unlicensed calculation of a specific person's tax and return preparation as a business is reserved work. General education about how the tax system is structured is not the same as acting as that client's tax agent.
3In ライフプランニングと資金計画, a full-time employee covered by 厚生年金保険 is which National Pension (国民年金) insured category?
A.第1号被保険者
B.第2号被保険者
C.第3号被保険者
D.任意加入被保険者 only
Explanation: Employees enrolled in 厚生年金保険 (or similar employees' pension systems) are 第2号被保険者 of 国民年金. Their National Pension contribution is built into the employees' pension levy rather than paid as a separate 第1号 invoice.
4In ライフプランニングと資金計画, 介護保険の第2号被保険者 is which age band?
A.All residents from age 20
B.Ages 40 through 64 who are in medical insurance
C.Only residents aged 75 or older
D.Only children under 18
Explanation: Public 介護保険 splits insured persons into 第1号 (generally 65+) and 第2号 (ages 40–64 and enrolled in medical insurance). Grade 2 social-insurance items expect that split, not a 20-year-old start age copied from 国民年金.
5In ライフプランニングと資金計画, who pays the premium for 労災保険 (workers' accident compensation insurance) for an ordinary employee?
A.The employer, with no employee share
B.The employee only, by payroll deduction
C.Half employer and half employee, like 健康保険
D.The municipality from residence tax
Explanation: 労災保険 premiums are an employer cost. That is a standard contrast with 健康保険 and 厚生年金, which split contributions, and with 雇用保険, which has both employer and employee shares.
6In ライフプランニングと資金計画, a lump sum of 800,000 yen will compound for five years. The given 終価係数 is 1.469. What is the future value?
A.544,800 yen
B.1,175,200 yen
C.800,000 yen
D.1,469,000 yen
Explanation: 終価係数 converts a present lump sum into a future lump sum: 800,000 × 1.469 = 1,175,200 yen. Grade 2 細目 lists the six coefficients as proposal-letter tools; the exam supplies the factor so you multiply rather than derive (1+r)^n by hand.
7In ライフプランニングと資金計画, a goal of 3,000,000 yen is needed in eight years. The given 現価係数 is 0.746. What present lump sum is required?
A.3,000,000 yen
B.2,238,000 yen
C.4,021,448 yen
D.746,000 yen
Explanation: 現価係数 discounts a future lump sum: 3,000,000 × 0.746 = 2,238,000 yen. It is the inverse job of 終価係数.
8In ライフプランニングと資金計画, a household will deposit 240,000 yen at the end of each year for six years. The given 年金終価係数 is 6.308. What is the accumulated value just after the sixth deposit?
A.1,440,000 yen
B.1,513,920 yen
C.240,000 yen
D.6,308,000 yen
Explanation: 年金終価係数 accumulates a level end-of-year annuity: 240,000 × 6.308 = 1,513,920 yen. The extra 73,920 yen above 6 × 240,000 is compound interest on earlier deposits.
9In ライフプランニングと資金計画, a client needs 2,000,000 yen in seven years from level annual deposits. The given 減債基金係数 is 0.158. What annual deposit is required?
A.2,000,000 yen
B.316,000 yen
C.12,658,228 yen
D.158,000 yen
Explanation: 減債基金係数 is the annual savings rate that grows to 1 yen of future principal: 2,000,000 × 0.158 = 316,000 yen per year. It is the inverse of 年金終価係数.
10In ライフプランニングと資金計画, a 5,000,000 yen lump sum will be drawn as a level end-of-year annuity. The given 資本回収係数 is 0.231. What is each annual withdrawal?
A.5,000,000 yen
B.1,155,000 yen
C.231,000 yen
D.21,645,022 yen
Explanation: 資本回収係数 converts a present lump into a level annuity (and is also the mortgage payment factor): 5,000,000 × 0.231 = 1,155,000 yen per year. It is the inverse of 年金現価係数.

About the Financial Planning Skills Certification Grade 2 Exam

2級ファイナンシャル・プランニング技能検定 is Japan's intermediate national FP skills grade. For 2026, Kinzai and JAFP deliver it as CBT. The written paper is 60 four-option items in 120 minutes with a 36/60 pass mark and a 5,700 JPY non-taxable fee. The practical paper is 90 minutes and 6,000 JPY; JAFP uses 40 mixed items (60/100) and Kinzai uses five cases (30/50) across listed consultation electives. OpenExamPrep publishes independent English multiple-choice study for the six FP domains. It is not an official translation, not a CBT item set, and not a substitute for Japanese constructed practical items.

Exam sponsor: Kinzai and JAFP under MHLW. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

National MHLW skill test. 2026 Grade 2 is CBT year-round except pause windows. 学科 120 minutes, 60 four-option items, 36/60 to pass. 実技 90 minutes. Both papers required.

Time Limit

120 minutes 学科 + 90 minutes 実技

Passing Score

学科 36/60. JAFP 実技 60/100. Kinzai 実技 30/50.

Exam / Certification Fees

5,700 JPY 学科 + 6,000 JPY 実技 (11,700 JPY together); non-taxable exam fees

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 plans.

17% of this local practice set

リスク管理

Life and non-life insurance products and taxation.

17% of this local practice set

金融資産運用

Bonds, equities, trusts, and tax-advantaged accounts.

17% of this local practice set

タックスプランニング

Income types, deductions, credits, and filing.

16% of this local practice set

不動産

Brokerage, building rules, and real-estate taxes.

16% of this local practice set

相続・事業承継

Statutory shares, 遺留分, and inheritance-tax math.

Preparing for the Financial Planning Skills Certification Grade 2 Exam

What You Need to Know

  • Passing score: 学科 36/60. JAFP 実技 60/100. Kinzai 実技 30/50.
  • Assessment: National MHLW skill test. 2026 Grade 2 is CBT year-round except pause windows. 学科 120 minutes, 60 four-option items, 36/60 to pass. 実技 90 minutes. Both papers required.
  • Time limit: 120 minutes 学科 + 90 minutes 実技
  • Exam / certification fees: 5,700 JPY 学科 + 6,000 JPY 実技 (11,700 JPY together); non-taxable exam fees Official sources

Using Our Practice Resources

  • Work through all 100 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

Financial Planning Skills Certification Grade 2: Suggested Study Strategy

1Score the written paper first: 36/60 is a hard cutoff even if your practical is strong.
2Drill the six financial coefficients and statutory-share fractions until they are automatic.
3Confirm tax figures against NTA materials dated to the sitting's 法令基準日.
4If you sit a Kinzai practical elective, practice that client's product set (life, non-life, SME owner) separately from generic MCQs.

Frequently Asked Questions

Are Kinzai and JAFP Grade 2 the same credential?

Yes. Both are MHLW-designated sittings of the same national 2級ファイナンシャル・プランニング技能士 title. Written papers follow the same national standard; practical electives differ by body.

What are the 2026 fees and times?

学科 5,700 JPY / 120 minutes / 60 four-option items / 36/60. 実技 6,000 JPY / 90 minutes. Combined 11,700 JPY. Fees are listed as non-taxable exam fees.

Is this an official CBT simulation?

No. OpenExamPrep items are independent English multiple-choice study. Official CBT is in Japanese and the practical papers include constructed items.