Japan Take-Home Pay Calculator
For company employees enrolled in Shakai Hoken (employer social insurance). Estimates use Tokyo-reference social insurance rates and single-filer tax deductions. Last verified against public rate tables: September 2026.
Assumes: single filer, no dependents, standard employment income, Tokyo Kyokai Kenpo health insurance rate. Resident tax shown is your ongoing-year liability — in your first year in Japan this typically isn’t deducted yet.
Estimated results
How this is calculated
- Health insurance: 9.91% of monthly gross (Tokyo Kyokai Kenpo FY2025 rate), split 50/50 → 4.955% employee share. +0.795% if 40+ (long-term care insurance, also split 50/50).
- Employees’ pension: 18.3% split 50/50 → 9.15% employee share, applied to monthly gross capped at ¥650,000/month.
- Employment insurance: 0.55% of gross monthly pay (FY2025 general business rate).
- Income tax: Progressive national brackets (5%–45%) applied after employment income deduction, basic deduction, and social insurance deduction, plus 2.1% reconstruction surtax.
- Resident tax: Flat 10% of taxable income (using the ¥430,000 resident-tax-specific basic deduction) + ¥5,000/year per-capita levy.
This is a general estimate, not tax advice. Actual withholding varies with prefecture, dependents, company-specific insurance unions, and other deductions (mortgage credit, iDeCo, medical expenses, etc.) not modeled here. Verify with your employer's payroll department or a licensed tax accountant (zeirishi) for decisions with real financial consequences.