Assuming you have your own home, no debt, receive full kokumin nenkin for 2 people, and follow the 4% rule for your wisely invested ¥100mill yen then you can enjoy a modest upper middle class lifestyle of about 5million yen per year. But that’s before taxes including prefectural and local taxes, Kenko and Kaiho hoken, so it’s a modest upper middle lifestyle, and not at all a flashy one.