Japan Take-Home Pay Calculator 2026 — Net Salary After Tax and Social Insurance
Enter your gross monthly salary to estimate your net (take-home) pay in Japan with FY2026 rates. Requires JavaScript.
How take-home pay is calculated in Japan (FY2026)
Your employer withholds four social-insurance premiums and two taxes. Roughly, a ¥250,000 gross salary becomes about ¥200,000 in hand (≈80%); at ¥400,000 it is about 77%, and at ¥800,000 about 70%.
| Deduction | Employee rate (FY2026) | Notes |
|---|---|---|
| Health insurance | 9.21–10.55% ÷ 2 | Tokyo 9.85%, Kanagawa 9.92%, Saitama 9.67%, Chiba 9.73%, Aichi 9.93%, Osaka 10.13%, Fukuoka 10.11%, Hokkaido 10.28%; national average 9.90% |
| Long-term care insurance | 1.62% ÷ 2 | Ages 40–64 only, collected with health insurance |
| Employees’ pension | 18.3% ÷ 2 | On standard monthly remuneration ¥88,000–¥650,000 (cap) |
| Employment insurance | 0.5% | General industries; on actual pay, from April 2026 |
| Child-support levy | 0.23% ÷ 2 | New from April 2026 (子ども・子育て支援金), collected with health insurance |
| Income tax | 5–45% + 2.1% | Progressive; basic deduction ¥580,000–¥950,000 and employment-income deduction (min ¥650,000) apply |
| Resident tax | 10% + ¥5,000 | Prefectural + municipal income-based 10% plus ¥5,000 flat (incl. forest tax); from your 2nd year |
What each line means
- Standard monthly remuneration (標準報酬月額): premiums are not charged on your exact salary but on a grade table (¥58,000–¥1,390,000 for health, ¥88,000–¥650,000 for pension). Your grade is fixed each September from your April–June average pay.
- Health insurance: employees of small and mid-size companies are usually in Kyokai Kenpo, whose rate depends on the prefecture (9.21% Niigata to 10.55% Saga). You pay half.
- Employees’ pension: 18.3% split 50/50. If you leave Japan you can claim a lump-sum withdrawal for up to 60 months of contributions.
- Employment insurance: 0.5% of actual pay (general industries; 0.6% in agriculture/construction) from April 2026.
- Child-support levy (子ども・子育て支援金): new from April 2026, 0.23% of standard remuneration, split 50/50, collected with health insurance.
- Income tax: withheld monthly from a table and settled in December (年末調整). The calculator uses the annual formula: employment-income deduction (min ¥650,000), basic deduction (¥950,000 for income up to ¥1.32M, then ¥880,000 / ¥680,000 / ¥630,000 / ¥580,000 by income band, 2025–2026 rules), social-insurance deduction, ¥380,000 per dependent, progressive 5–45% rates plus the 2.1% reconstruction surtax.
- Resident tax: 10% of last year’s taxable income (basic deduction ¥430,000) plus ¥5,000 flat, billed from June of your second year in Japan in 12 instalments. New arrivals pay nothing in year one.
FAQ
Why is my first-year take-home higher? Resident tax starts in your second year, so year-one net pay is typically ¥10,000–¥30,000 higher per month than this calculator shows.
Does the bonus get taxed? Yes — social insurance is charged on the bonus (health capped at ¥5.73M per year, pension at ¥1.5M per payment) and income tax is withheld at a special rate, then settled at year-end.
What if my company has its own health society (健保組合)? Rates are usually lower than Kyokai Kenpo (often 8–9.5%); choose the closest prefecture or the national average for a conservative estimate.