Abstract: An image-forming apparatus includes an image unit that forms an image using at least one of a white toner and a color toner having a lower storage modulus than the white toner and a fixing unit that fixes the image to a medium with heat. A time P calculated by subtracting a fixing time for which an image of the color toner alone is fixed to normal paper used as the medium from a fixing time for which an overlaid image of the white toner and the color toner is fixed to color paper used as the medium is more than 0 ms and less than 30 ms.