Japan take-home pay calculator (2026)
Enter your gross salary to see your tedori (take-home pay) and where every yen of the difference goes.
Take-home pay per month
¥328,513
- Take-home pay per year
- ¥3,942,152
- Share of salary deducted
- 21.2%
- Furusato nozei limit
- ¥61,000
- Take-home pay
- Taxes
| Item | Per year | Per month |
|---|---|---|
| Gross salary | ¥5,000,000 | ¥416,667 |
| Health insurance | ¥242,310 | ¥20,193 |
| Nursing care insurance | ¥0 | ¥0 |
| Child support contribution | ¥5,658 | ¥472 |
| Employees' pension | ¥450,180 | ¥37,515 |
| Employment insurance | ¥25,000 | ¥2,083 |
| Income tax | ¥91,600 | ¥7,633 |
| Resident tax | ¥243,100 | ¥20,258 |
| Total deductions | ¥1,057,848 | ¥88,154 |
| Take-home pay | ¥3,942,152 | ¥328,513 |
- Resident tax is shown as the normal yearly amount. It is billed on last year's income, so in your first year in Japan you usually pay none, and it starts the following June.
- Health insurance uses the Kyokai Kenpo rate of the selected prefecture. If your company has its own health insurance society, your rate can be a little lower or higher.
How take-home pay is calculated in Japan
Four things are taken out of a salary in Japan: social insurance, national income tax, local resident tax and, for some people, nursing care insurance. Your employer withholds all of them from your payslip.
Social insurance comes first. Health insurance costs about 10% of your pay depending on the prefecture, and the Employees' Pension costs 18.3%. You pay half of each and your employer pays the other half. Employment insurance adds 0.5%. From April 2026 there is also a small child support contribution of 0.23%, again split in half. People aged 40 to 64 pay nursing care insurance of 1.62%, split in half. These premiums are not calculated on your exact salary but on a rounded grade called standard monthly remuneration.
Income tax is calculated on what is left after several deductions: the employment income deduction (at least ¥740,000 in 2026), your social insurance premiums, the basic deduction (up to ¥1,040,000 in 2026) and deductions for dependents. The rate rises from 5% to 45% as income grows, and a 2.1% reconstruction surtax is added on top.
Resident tax is about 10% of your taxable income plus a flat ¥5,000. It is paid to the city where you lived on 1 January and is collected from June to the following May.
Frequently asked questions
Why is my take-home pay higher in my first year in Japan?
Resident tax is charged on the income you earned in Japan in the previous calendar year. If you arrived this year, there is nothing to charge yet, so no resident tax is withheld until June of next year. Expect your monthly take-home pay to drop at that point.
What is the 1.78 million yen wall?
In 2026 the minimum employment income deduction (¥740,000) and the basic deduction (¥1,040,000) add up to ¥1,780,000. If your yearly salary is at or below that amount you pay no national income tax. Social insurance and resident tax have their own, lower thresholds.
Do I still owe resident tax if I leave Japan?
Yes. If you were a resident on 1 January, you owe the full resident tax for that year even if you leave in February. Your employer normally deducts the remaining amount from your last salary, or you appoint a tax representative to pay it for you.
Is a bonus taxed differently from monthly salary?
Over the full year, no. Income tax and resident tax are calculated on your total yearly income. Social insurance is calculated separately on each bonus, with a cap of ¥1,500,000 per bonus for the pension, so a large bonus can slightly reduce what you pay in total.
How accurate is this calculator?
For a regular company employee the result is normally within a few thousand yen per month of the real payslip. It does not cover commuting allowance, housing loan credits, life insurance deductions, stock income or side income.