Japan Take-Home Pay Calculator 2026 — social insurance, income & resident tax
Estimate take-home pay for a salaried employee in Japan with FY2026 Kyokai Kenpo health rates for all 47 prefectures, the new child-support levy, pension and employment insurance, 2026 income tax (¥1.04m basic deduction) and resident tax — monthly, per bonus and per year.
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Each month / Each bonus
How it was calculated
Estimate for an employee in a Kyokai Kenpo plan, using FY2026 rates (Japan). Monthly income tax shows the annual year-end-adjusted amount ÷ 12; actual withholding follows the monthly tables and is settled in December. Resident tax on this year's pay is charged from next June. Rates are revised every year — this tool is updated for each fiscal year.
About this tool
This take-home pay calculator estimates what a salaried employee in Japan actually receives, using the rates in force for fiscal 2026. Enter a monthly salary, commuting allowance and bonuses, choose a prefecture, and it applies the Kyokai Kenpo health-insurance rate for that prefecture (or your own company union's rate), long-term-care insurance from age 40, the new child and child-rearing support levy, employees' pension and employment insurance, all calculated on standard monthly remuneration and standard bonus amounts with the official rounding. It then works out 2026 income tax with the enlarged ¥1.04 million basic deduction and the resident tax that will be charged on this income next year, and shows the result per month, per bonus and per year with every step of the calculation. Rates change every year, so the tool states which year it uses and is updated each fiscal year. Everything runs in your browser.
Frequently asked questions
What percentage of gross pay do you take home in Japan?
Usually about 75–85%, falling as income rises. For example, a single employee under 40 in Tokyo earning ¥300,000 a month plus ¥600,000 in bonuses (¥4.2 million a year) pays ¥616,980 in social insurance, ¥64,400 in income tax and ¥189,800 in resident tax under the 2026 rules, taking home ¥3,328,820 — 79.3%. Social insurance is the largest deduction for most people; income tax is progressive, so its share grows quickly at higher salaries.
What changed in 2026?
Income tax: the basic deduction rises to ¥1.04 million for total income up to ¥4.89 million (¥670,000 up to ¥6.55 million, ¥620,000 above), and the minimum employment income deduction to ¥740,000, lifting the tax-free threshold for salary to ¥1.78 million. Withholding from January to November still uses the old tables, so the difference comes back at the December year-end adjustment. Social insurance: Kyokai Kenpo rates fell to a 9.90% national average from March, long-term care rose to 1.62%, and the child and child-rearing support levy of 0.23% (split with the employer) began with April premiums. The employee share of employment insurance fell to 0.5%.
Why is resident tax charged a year later?
Resident tax is assessed by your municipality on the previous calendar year's income and deducted from pay in 12 instalments from June to the following May. That is why new graduates pay none in their first year and why a pay rise shows up in resident tax a year late. This tool shows the resident tax that this year's pay will generate. It has its own deductions — the basic deduction stays at ¥430,000 — plus a per-capita levy of ¥5,000 (including the ¥1,000 forest environment tax); some municipalities add a little more.
How are social insurance premiums worked out?
Not on each month's exact pay but on a standard monthly remuneration: a grade fixed mainly from the average pay for April to June, including commuting allowance and overtime, and applied from September. Health, long-term-care and child-support premiums use 50 grades up to ¥1.39 million; the pension uses grades from ¥88,000 to ¥650,000, with the ceiling due to rise in steps from September 2027. Bonuses use the standard bonus amount — rounded down to ¥1,000 and capped at ¥5.73 million a year for health and ¥1.5 million per payment for the pension. Only employment insurance is charged on actual pay. Employers pay the same again, or more.
How accurate is this, and what does it leave out?
For a full year at a steady salary it follows the official formulas, including standard remuneration grades and rounding, so the annual result is typically within a few thousand yen. It leaves out deductions it cannot know: housing-loan credit, iDeCo, life and earthquake insurance, medical expenses, furusato nozei, side income, and widow or disability deductions. Company health unions often charge less than Kyokai Kenpo — enter your own rate. The 2026–27 basic-deduction boost is temporary and every rate is revised yearly, so check the year shown in the note; the tool is updated for each fiscal year.