PracticeVideosBlogFlashcardsEspañol
All Practice Exams

Free Practice Questions for Financial Planning Skills Certification Grade 3

Exam-style questions and explanations by OpenExamPrep.

✓ No registration✓ No credit card
100+ Questions
100% Free

Loading practice questions...

Same family resources

Explore More Japan Financial Planning Skills Certification

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

Financial Planning Skills Certification Grade 1 (1級ファイナンシャル・プランニング技能検定, Japan)

Practice Questions

Financial Planning Skills Certification Grade 2 (2級ファイナンシャル・プランニング技能検定, Japan)

Practice Questions
Exam Review

Key Facts: Financial Planning Skills Certification Grade 3 Exam

36/60

Written pass mark

JAFP 2級・3級試験要綱

90 + 60 min

学科 and 実技 times

JAFP / Kinzai Grade 3 pages

8,000 JPY

Combined non-taxable fee

JAFP 試験要綱 / Kinzai FP3 試験要綱

CBT

2026 Grade 3 delivery except published pause windows

Kinzai FP3 試験要綱; JAFP schedule

FP Grade 3 is a national MHLW skill test on Kinzai/JAFP CBT in 2026. Written: 60 items, 90 min, 36/60, 4,000 JPY. Practical: 60 min; JAFP 60/100 or Kinzai 30/50; 4,000 JPY. This bank is independent English MCQ study, not official CBT papers.

Sample Financial Planning Skills Certification Grade 3 Practice Questions

Try these sample questions to review concepts for the Financial Planning Skills Certification Grade 3 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 conduct best matches independent financial-planning ethics when a client asks an FP for household advice?
A.Recommend only products that pay the FP the highest commission, even if they do not fit the client's goals
B.Share the client's income and debt details with a friend who 'might have a better product'
C.Prepare and file the client's income-tax return because planning and tax filing are the same skill
D.Put the client's interest first, keep personal financial data confidential, and stay inside laws that reserve licensed acts to other professions
Explanation: Grade 3 ethics treat the FP as an adviser who gathers facts, explains options, and respects confidentiality while remaining inside related-business statutes. Licensed acts such as preparing tax returns stay with 税理士 and similar professions; the FP refers rather than impersonates them.
2In ファイナンシャル・プランニングと関連法規, which task may an unlicensed FP lawfully perform for a client?
A.Appear in court as the client's attorney in a debt lawsuit
B.Explain, in general terms, how public pensions and income-tax categories work and refer the client to a 税理士 or 弁護士 for reserved work
C.Solicit a life-insurance contract without 保険募集人 registration because the advice is 'only planning'
D.Prepare the client's 確定申告 forms and submit them to the tax office as the client's tax agent
Explanation: JAFP and Kinzai Grade 3 both test related-law boundaries: general explanation and referral are core FP work. 弁護士法, 税理士法, and 保険業法 reserve courtroom representation, tax-document preparation, and insurance solicitation to people with the matching registration.
3In ライフプランニングの考え方・手法, which six-coefficient tool converts a present lump sum into a future lump sum at a stated compound rate?
A.減債基金係数 (sinking-fund coefficient)
B.資本回収係数 (capital-recovery coefficient)
C.終価係数 (future-value coefficient)
D.年金現価係数 (present-value-of-annuity coefficient)
Explanation: 終価係数 is (1+r)^n and scales a present lump into a future lump. Grade 3 cash-planning questions pair each coefficient with one job: grow a lump, discount a lump, grow deposits, save toward a target, amortize a loan, or value an annuity.
4A client will invest 2,000,000 JPY as a lump sum for 5 years. A coefficient table shows 終価係数 = 1.104 at the stated rate. What is the future value?
A.1,812,000 JPY
B.2,104,000 JPY
C.2,208,000 JPY
D.2,000,000 JPY
Explanation: Future value = present lump × 終価係数 = 2,000,000 × 1.104 = 2,208,000 JPY. The table already embeds compound interest, so you do not add simple interest on top.
5A client needs 1,000,000 JPY in 5 years. The table shows 現価係数 = 0.906 at the planning rate. What present lump should be set aside today (round to the nearest yen as the product of the given factor)?
A.1,104,000 JPY
B.906,000 JPY
C.94,000 JPY
D.1,000,000 JPY
Explanation: Present lump = future need × 現価係数 = 1,000,000 × 0.906 = 906,000 JPY. 現価係数 is the reciprocal idea of 終価係数: it discounts a future lump back to today.
6A client borrows 2,000,000 JPY. The table shows 資本回収係数 = 0.212 for the term and rate. What is the level annual repayment?
A.424,000 JPY
B.212,000 JPY
C.2,000,000 JPY
D.9,434 JPY
Explanation: Annual payment = loan × 資本回収係数 = 2,000,000 × 0.212 = 424,000 JPY. That coefficient amortizes a present principal into a constant periodic payment covering interest and principal.
7A client wants 1,000,000 JPY at the end of the term and will save an equal amount at the end of each year. The table shows 減債基金係数 = 0.188. What annual deposit is required?
A.1,880,000 JPY
B.188,000 JPY
C.812,000 JPY
D.5,319 JPY
Explanation: Annual saving = target × 減債基金係数 = 1,000,000 × 0.188 = 188,000 JPY. The sinking-fund coefficient is the tool for 'how much must I save each period to reach a future lump.'
8A client will receive 300,000 JPY at the end of each year for 10 years and wants the present value of that income stream. Which coefficient is the correct multiplier for 300,000 JPY?
A.終価係数
B.減債基金係数
C.年金終価係数
D.年金現価係数
Explanation: 年金現価係数 converts a level payment stream into a present lump (the price of an annuity). Education, retirement-income, and loan-balance questions use this factor when the unknown is 'value today of future payments.'
9Which set is the core social-insurance package that a typical private-sector employee in Japan is enrolled in?
A.National Health Insurance (国民健康保険) only, with no pension or unemployment cover
B.Employees' Health Insurance, Employees' Pension Insurance, Employment Insurance, and Workers' Accident Compensation Insurance (労災)
C.Long-term care insurance only, replacing pension and health cover after age 40
D.A single private medical policy that legally substitutes for all public social insurance
Explanation: Employees on 厚生年金/協会けんぽ or a health-insurance society are in the employees' medical and pension schemes, plus 雇用保険 and employer-paid 労災. 国民健康保険 is the municipal scheme for people who are not in employees' health insurance.
10Under the National Pension (国民年金) insured-person categories, which description is correct?
A.Category 1 is employees of corporations; they pay no National Pension because the system excludes them
B.Category 2 is self-employed people who mail a monthly National Pension voucher
C.Category 3 is a dependent spouse of a Category 2 insured person; that spouse does not pay a separate National Pension premium while the Category 3 status continues
D.Category 3 is any child under 18, who must pay the full National Pension premium
Explanation: Category 1 is residents who are not Category 2 or 3 (self-employed, students, and similar). Category 2 is employees' pension members; their National Pension is covered through that membership. Category 3 is a dependent spouse of a Category 2 insured person and pays no separate National Pension premium while that status holds.

About the Financial Planning Skills Certification Grade 3 Exam

3級ファイナンシャル・プランニング技能検定 is Japan's entry-level national FP skills grade. For 2026, Kinzai and JAFP deliver it as CBT. The written paper is 60 items in 90 minutes with a 36/60 pass mark. JAFP practical is 60/100; Kinzai practical is 30/50. Each paper is 4,000 JPY (non-taxable), or 8,000 JPY together. OpenExamPrep publishes independent English four-option multiple-choice study for the six FP domains. It is not an official translation, not a Kinzai or JAFP CBT paper, and not a simulation of Kinzai's ○× / three-choice written format.

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 3 is CBT year-round except pause windows. 学科 90 minutes, 36/60 to pass. 実技 60 minutes; JAFP 60/100 or Kinzai 30/50. Both papers required.

Time Limit

90 minutes 学科 + 60 minutes 実技

Passing Score

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

Exam / Certification Fees

4,000 JPY 学科 + 4,000 JPY 実技 (8,000 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

FP process, coefficients, pensions, and social insurance.

17% of this local practice set

リスク管理

Life and non-life insurance basics and taxation.

17% of this local practice set

金融資産運用

Savings, bonds, equities, trusts, NISA, and iDeCo.

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

Heirs, shares, 遺留分, and inheritance-tax basic deduction.

Preparing for the Financial Planning Skills Certification Grade 3 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 3 is CBT year-round except pause windows. 学科 90 minutes, 36/60 to pass. 実技 60 minutes; JAFP 60/100 or Kinzai 30/50. Both papers required.
  • Time limit: 90 minutes 学科 + 60 minutes 実技
  • Exam / certification fees: 4,000 JPY 学科 + 4,000 JPY 実技 (8,000 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 3: Suggested Study Strategy

1Lock the six financial coefficients and the Old-Age Basic Pension contribution-period rule from Japan Pension Service materials.
2Practice statutory-share fractions (spouse/children, spouse/parents, spouse/siblings) until they are automatic.
3Use the inheritance-tax basic deduction formula (30 million JPY + 6 million JPY × statutory heirs) only as published by NTA.
4Do not treat this English bank as a substitute for reading Japanese CBT stems.

Frequently Asked Questions

Who administers FP Grade 3?

It is a national skill test under MHLW. Kinzai and JAFP are the designated bodies. CBT operations use CBT-Solutions.

What are the 2026 times, items, and fees?

学科: 90 minutes, 60 items, 36/60, 4,000 JPY. 実技: 60 minutes, 60/100, 4,000 JPY. Combined fee 8,000 JPY. Fees are listed as non-taxable.

Is this bank an official Japanese exam paper?

No. OpenExamPrep items are independent English multiple-choice study, not an official translation and not a simulation of the Japanese CBT wording.