About the Japan Take-Home Pay Calculator
This Japan take-home pay calculator estimates your tedori (手取り) — what a salaried employee actually keeps — from your monthly salary and annual bonus. It deducts the employee share of social insurance (shakai hoken): health insurance, long-term care insurance if you are 40–64, the new child and childcare support levy, employees’ pension (kōsei nenkin) and employment insurance, then national income tax with the 2.1% reconstruction surtax and resident tax (jūminzei).
Social insurance uses the Kyokai Kenpo FY2026 standard monthly remuneration grades: health at 9.85% (Tokyo; change it for your prefecture), care at 1.62%, the 0.23% child support levy from April 2026, pension at 18.3% and employment insurance at 0.5% for the worker, all split with your employer. Income tax uses the 2026 amounts after the 2026 tax reform: an employment income deduction of at least ¥740,000 and a basic deduction of up to ¥1,040,000. Resident tax is 10% of taxable income (with a ¥430,000 basic deduction) plus a ¥5,000 per-capita levy including the forest environment tax.
It suits job seekers comparing offers in Japan, expats budgeting a move and employees checking their gensen chōshūhyō. It assumes a single employee with no dependants and no other income. Resident tax is actually charged the following year on this year’s income; the calculator shows the steady-state amount.
With the default inputs, the take-home pay per year (手取り) is ¥4,359,932.00. Change any value above to recalculate instantly.
How to use the japan take-home pay calculator
- 1Enter your monthly salary including regular allowances.
- 2Enter your total annual bonus (0 if none).
- 3Switch on care insurance if you are aged 40–64.
- 4Adjust the health insurance rate for your prefecture or health insurance society.
- 5Read your annual and monthly take-home pay and the deduction breakdown.
Formula and method
Monthly salary is mapped to a standard monthly remuneration grade. Health (plus care if 40–64, plus the child levy) is charged on that grade and on standard bonus amounts (capped at ¥5.73 million a year); pension at 18.3% uses the same grade limited to ¥88,000–¥650,000 and bonuses up to ¥1.5 million per payment. The employee pays half. Employment insurance is 0.5% of all pay.
Employment income is gross pay minus the employment income deduction (¥740,000 up to ¥2.2 million, then 30% + ¥80,000, 20% + ¥440,000, 10% + ¥1.1 million, capped at ¥1.95 million). Income tax applies the progressive 5%–45% quick table to employment income minus social insurance and the 2026 basic deduction (¥1.04 million up to ¥4.89 million of income), rounded down to ¥1,000, then adds the 2.1% reconstruction surtax. Resident tax is 10% of employment income minus social insurance and the ¥430,000 basic deduction, less a ¥2,500 adjustment credit, plus the ¥5,000 per-capita levy.
- Gross
- Monthly salary × 12 + bonus (年収)
- SMR
- Standard monthly remuneration grade (標準報酬月額)
- 給与所得
- Employment income after the employment income deduction
- 1.021
- Reconstruction special income tax (2.1%)
Worked examples
¥400,000 a month + ¥800,000 bonus (¥5.6m 年収)
Your salary sits in the ¥410,000 grade, so health insurance and the child levy cost ¥288,288 and pension ¥523,380 a year; employment insurance adds ¥28,000. Income tax is ¥120,900 and resident tax ¥279,500, leaving ¥4.36 million — about 77.9% of gross.
¥250,000 a month, no bonus
Pay of ¥250,000 falls into the ¥260,000 grade (¥250,000–¥270,000). Social insurance totals ¥457,728, income tax just ¥26,600 thanks to the ¥1.04 million basic deduction, and resident tax ¥115,700, so annual tedori is about ¥2.4 million, or ¥200,000 a month.
¥800,000 a month + ¥2.4m bonus, age 45
Pension is capped at the ¥650,000 grade and ¥1.2 million per bonus, so it costs ¥933,300; care insurance lifts health contributions to ¥694,980. On ¥12 million gross, income tax is ¥1,168,400 and resident tax ¥795,600, leaving about ¥8.35 million (69.6%).
Frequently asked questions
What percentage of salary is take-home pay in Japan?+
Most single employees keep roughly 75–80% of gross pay. Social insurance takes about 15%, and income and resident tax take a further 5–10% at middle incomes, rising for high earners because income tax is progressive up to 45%.
How much social insurance do I pay in Japan?+
In 2026 an employee pays half of 18.3% for pension, half of the health rate (9.85% in Tokyo under Kyokai Kenpo), half of 1.62% for care if aged 40–64, half of the 0.23% child levy and 0.5% employment insurance — about 15% of pay in total.
What changed in the 2026 tax reform?+
For 2026 and 2027 the income-tax basic deduction rises to ¥1,040,000 for income up to ¥4.89 million, and the minimum employment income deduction rises to ¥740,000. The changes take effect on 1 December 2026 and are applied through year-end adjustment.
When do I pay resident tax?+
Resident tax is based on the previous calendar year’s income and is deducted from salary in 12 instalments from June to the following May. In your first year in Japan you usually pay none, which makes first-year tedori higher.
Is commuting allowance taxed?+
Commuting allowance is tax-free up to ¥150,000 a month for public transport, but it is included in pay for social insurance grades. Add it to your monthly salary here for accurate social insurance, knowing income tax will be slightly overstated.
Why is my bonus taxed differently?+
Employers withhold income tax on bonuses using a separate rate table based on the previous month’s salary, and social insurance is charged on the standard bonus amount. The year-end adjustment reconciles everything, so the annual totals here still apply.
Tax results are estimates based on published rules and simplified assumptions. They are not tax advice — check official guidance or a tax professional for your situation.