About and method

What this site is

Tedori Japan is an independent set of calculators for people who work in Japan and did not grow up with its tax and pension system. It is built and maintained by a foreign resident software engineer living in Japan.

Tedori (手取り) is the Japanese word for take-home pay: what reaches your bank account after everything has been deducted.

Rules and rates used

Income tax: 2026 rules, including the minimum employment income deduction of ¥740,000 and the basic deduction of up to ¥1,040,000, the standard 5% to 45% brackets and the 2.1% reconstruction surtax.

Resident tax: 10% income levy with the adjustment credit, plus the ¥5,000 per-capita levy including the forest environment tax.

Social insurance: Kyokai Kenpo health insurance rates for fiscal 2026 for each of the 47 prefectures, nursing care insurance 1.62%, child support contribution 0.23%, Employees' Pension 18.3%, and employment insurance 0.5% for employees in general businesses. Premiums use the official standard monthly remuneration grades and bonus caps.

Pension lump-sum withdrawal: payment rates published by the Japan Pension Service and the fiscal 2026 National Pension amounts.

What the calculators do not cover

Commuting allowance, housing loan credits, life and earthquake insurance deductions, medical expense deductions, iDeCo, stock income, side income, self-employed people and National Health Insurance are not included.

The results are estimates for information only. They are not tax, legal or financial advice.

Sources

National Tax Agency (nta.go.jp), Japan Health Insurance Association (kyoukaikenpo.or.jp), Japan Pension Service (nenkin.go.jp) and Ministry of Health, Labour and Welfare (mhlw.go.jp).

Contact

Found a mistake or a number that does not match your payslip? Write to hello@tedorijapan.com.