Home/Work/Salary/Take-home pay calculator

Tool · 手取り · tedori

Take-home pay calculator for Japan

Enter your salary before deductions and see what goes to health insurance, pension, Employment Insurance, income tax and resident tax — and what is left in your pocket, in your first year in Japan and from the second. 2026 rates; your spouse and children can be included.

Open the calculator

Resident tax explained

Rates checked against Kyōkai Kenpo, the Japan Pension Service, the Ministry of Health, Labour and Welfare and the National Tax Agency on October 7, 2026 · Salaries in Japan · Taxes for employees

Rates of the year2026

Two results1st and 2nd year

Take-home from ¥300,000 (Tokyo, 2nd year)¥237,090

Data sent to usNone

Calculator

What’s left after deductions

Enter your monthly salary before deductions (総支給額), your prefecture, age and year in Japan. The result is an estimate with the 2026 rates for a full-time employee enrolled in the employer’s insurance.

How the calculator works

The formulas and rates for 2026

Every rate comes from an official website; the dates show from which pay it applies.

Deduction How it is calculated Applies
Health Insurance (健康保険) Kyōkai Kenpo rate for your prefecture, employee pays half (Tokyo 4.925%), on your standard monthly remuneration (標準報酬月額) from pay in April 2026
Long-Term Care Insurance (介護保険) 0.81% — only from age 40 to 64 from pay in April 2026
Child and childcare support contribution (子ども・子育て支援金) 0.115% of the standard amount from pay in May 2026
Employees’ Pension Insurance (厚生年金) 9.15% of the standard amount, base ¥88,000 to ¥650,000 (the upper limit rises from 2027) since 2017
Employment Insurance (雇用保険) 0.5% of actual pay (0.6% in construction, agriculture, forestry, fisheries and sake brewing) April 1, 2026 – March 31, 2027
Income tax (所得税) National Tax Agency formula for monthly withholding, column 甲 (kō): pay after premiums − deduction for employment income − basic exemption − dependents; rounded to ¥10 2026 formula
Resident tax (住民税) From the second year: last year’s income after deductions × 10% − ¥2,500 + ¥5,000 (Tokyo 23 wards), divided by 12 (the ¥2,500 adjustment is for a single person) 2027 rules (from June 2027) on 2026 pay
  • Standard monthly remuneration. Health insurance and pension premiums are not charged on your exact pay but on a step of a table: for example, pay from ¥290,000 to ¥310,000 counts as ¥300,000. The calculator picks the step for you.
  • Dependents in income tax. In the 2026 formula each dependent, or a spouse with a small income, lowers the taxable amount by ¥31,667 a month.
  • The 2026 reform. The basic exemption for 2026 went up, but from January to November the monthly withholding still uses the old formula; the difference comes back in December at the year-end adjustment (年末調整). The calculator shows the withholding, not your final tax for the year.
  • From January 2027 the withholding formula changes: the monthly basic exemption becomes ¥51,667 instead of ¥48,334, so the tax goes down slightly.

What the calculator leaves out

When your amount will be different

  • Health insurance societies of large companies (健保組合) — they have their own rates, often lower than Kyōkai Kenpo.
  • Overtime and one-off payments — enter your regular monthly pay without them.
  • Company-specific deductions: union fees, company housing, meals — they depend on your employer.
  • Deductions you claim at the end of the year or in a tax return: medical bills, the hometown tax donation (ふるさと納税), iDeCo, life insurance.
  • A second job (column 乙, otsu — higher tax) and the 20.42% tax for non-residents.
  • Resident tax outside Tokyo’s 23 wards: the percentage is almost the same (10.025% in Yokohama), but the fixed part can differ — ¥6,200 a year in Yokohama.
  • Part-time workers: the temporary premium relief for people newly enrolled from October 2026, and the rules for students.

The result is an estimate, not your employer’s payroll. The exact amounts are on your payslip and on the resident tax notice from your city office.

First and second year

The “year in Japan” switch

Resident tax is based on last year’s income and on your address on January 1. That is why the calculator shows two results.

First year From the second year
Social insurance premiums yes yes
Income tax yes yes
Resident tax no yes, from June
Take-home from ¥300,000 (Tokyo, under 40) ¥249,590 ¥237,090
  • For the second year the calculator assumes you earned the same salary for the whole of last year. If you arrived mid-year, your resident tax will be lower: it counts only what you earned in Japan.
  • Resident tax for 2027 (from June 2027) is based on 2026 income. Its deduction for employment income rises to ¥740,000, but that only matters for salaries up to ¥2.2M a year.
  • Details: resident tax in Japan.

Family mode

Spouse, children and other dependents

A dependent for tax and a dependent for health insurance are different things with different income limits. The calculator handles both.

  • In health insurance a spouse and children expected to earn under ¥1.3M a year (¥1.5M for ages 19–22, ¥1.8M from age 60 or with a disability), and less than half of your income if they live with you, are dependents: they pay no premiums and your premium does not change. A spouse aged 20–59 also gets pension coverage free of charge as a Category III insured person (第3号被保険者).
  • In income tax a spouse with a small income and children aged 16 or older lower your monthly withholding. Children under 16 give no deduction.
  • In resident tax the deduction is ¥330,000 for a spouse, ¥330,000 for a child aged 16–18 and ¥450,000 for ages 19–22.
  • The child allowance (児童手当) is not part of your salary, so the calculator does not add it: ¥15,000 a month under age 3, ¥10,000 from age 3 to the end of high-school age, ¥30,000 for the third and later children.

Spouse’s income: the main limits

If your spouse works part-time, enter their annual salary before deductions on the “Spouse’s income” tab. The limits for salary with no other income:

What Spouse’s salary in 2025 In 2026
Your spouse pays no resident tax of their own up to ¥1.10M up to ¥1.19M (expected for Tokyo)
You get the deduction for a spouse (¥380,000 / ¥330,000) up to ¥1.23M up to ¥1.36M
Full ¥380,000 deduction in income tax up to ¥1.60M up to ¥1.69M
Your spouse pays no income tax up to ¥1.60M up to ¥1.78M
The special exemption for spouse ends ¥2,015,999 ¥2.07M
Your spouse stays a dependent in health insurance and pension under ¥1.3M under ¥1.3M

The ¥1.3M health insurance limit is the expected income for the next 12 months (about ¥108,333 a month), not last year’s income. Your own income matters too: the deductions for a spouse shrink if your income after the deduction for employment income is over ¥9M and end above ¥10M. All the rules: Family and dependents and your spouse in Japan.

Check example

Tokyo, ¥300,000 a month, under 40, no dependents

Enter these values and the calculator should show the same amounts.

Line Calculation Yen
Health Insurance ¥300,000 × 4.925% ¥14,775
Child and childcare support ¥300,000 × 0.115% ¥345
Employees’ Pension Insurance ¥300,000 × 9.15% ¥27,450
Employment Insurance ¥300,000 × 0.5% ¥1,500
Income tax (¥255,930 − ¥83,446 − ¥48,334) × 5.105% ¥6,340
Resident tax ¥150,500 a year: ¥12,500 July–May, ¥13,000 in June ¥12,500
Take-home, second year ¥237,090
Take-home, first year without resident tax ¥249,590

For resident tax, last year’s income is taken as ¥3,600,000 with the same premiums as now. If your payslip differs by more than a few hundred yen, check the prefecture, your health insurance provider and the step of your standard monthly remuneration. Line by line: how to read a Japanese payslip.

FAQ

Calculator questions

Can’t find your question? Write to us — a real person replies.

Ask us a question

Is the result exactly what I will get?

No, it is an estimate for a full-time employee with the 2026 rates. Your payslip can differ because of your company’s health insurance society, allowances, overtime and company deductions such as housing or meals.

Resident tax (住民税) is charged on last year’s income and starts in June of your second year. In the first year only social insurance and income tax are deducted, so more is left. With ¥300,000 a month in Tokyo the difference is about ¥12,500 a month.

Only roughly. It is built for employees enrolled in the employer’s health insurance and pension. Students with a part-time job usually pay National Health Insurance and National Pension themselves, and many pay no income tax or resident tax at low incomes. Switch off employer insurance to see that case.

Not exactly. The calculator uses the rates of the Japan Health Insurance Association (協会けんぽ, Kyōkai Kenpo) for your prefecture. Large companies’ own societies (健保組合) set their own rates, often lower.

No. Everything is calculated in your browser. Your last inputs are kept only in your own browser so the calculator opens where you left it.

A spouse with a small income and children aged 16 or older lower your monthly income tax, and they change the resident tax from the second year. Children under 16 give no tax deduction. On the Spouse’s income tab you can see how much your spouse can earn before losing dependent status for tax and for health insurance.

Sources

Where this information comes from

Rates, limits and deadlines on this page were checked against the official websites of Kyōkai Kenpo, the Japan Pension Service, the Ministry of Health, Labour and Welfare, the Children and Families Agency, the National Tax Agency and city offices on October 7, 2026. Amounts are in Japanese yen. When a rule changes we update the page and the date above.

Results and examples are estimates, not your employer’s payroll. The amounts on your payslip and in your resident tax notice are the ones that count. For a complex case, talk to a licensed tax accountant (税理士) or a Labor and Social Security Attorney (社会保険労務士, sharōshi).

Want to work in Japan? Many people start with a language school.

A language school gives you a student visa, the right to work part-time with permission and time to learn Japanese and find a job. Our help choosing a school and preparing the visa documents is free — the school pays us, not you.

Apply free
Students in yukata at a Japanese language school

Free for students