Japan Salary Calculator (Take-Home Pay) — Estimate your net salary in Japan after income tax, resident tax and social insurance
Enter your annual or monthly salary in Japan and see your estimated take-home pay after health insurance, pension, employment insurance, income tax and resident tax. Shows the full breakdown, adjusts for age and dependents, and helps you compare job offers.
Enter your gross annual or monthly salary to see what actually reaches your bank account and where the rest goes.
Before you rely on thisThe figures here are estimates based on standard conditions. Health insurance premiums depend on your plan and prefecture, and employment insurance rates depend on your industry. Resident tax ignores municipal differences and tax-exemption thresholds, and the rules for dependents and other deductions are simplified. The temporary increase to the basic deduction applies through the 2026 tax year and changes from 2027. Check your payslip or withholding slip (gensen choshu hyo) for actual amounts, and ask your HR department or a licensed tax accountant when you need exact figures.
Japan Salary Calculator: tips and things to know
- From age 40 you also pay long-term care insurance (kaigo hoken), so take-home pay drops slightly on your 40th birthday.
- The social insurance rates used here are the national average of the Japan Health Insurance Association (Kyokai Kenpo). Company health insurance societies set their own rates.
- Each dependent family member adds a deduction, so the same salary leaves more in your pocket if you support a spouse or children.
How to use the Japan Salary Calculator
Choose annual or monthly
Pick the tab that matches the figure you know: gross annual salary or gross monthly salary.
Enter your salary and details
Type the amount in yen, your age and the number of dependents. For a monthly salary, also set how many bonuses you receive per year.
Read the result
Your estimated annual and monthly take-home pay appears with a breakdown of each deduction and a bar showing the proportions.
What is deducted from your gross salary in Japan
Take-home pay (tedori) is the amount that actually arrives in your bank account after social insurance and taxes are withheld from the gross salary your employer pays. Two groups of deductions come off the top.
The first is social insurance: health insurance, employees' pension (kosei nenkin), employment insurance and, from age 40, long-term care insurance. The second is tax: national income tax and local resident tax (juminzei).
The order matters. Social insurance is deducted first, and tax is then calculated on what remains, because social insurance premiums are fully deductible from taxable income.
How income tax is calculated
Income tax is not charged on your gross salary. Several deductions are subtracted first, and the tax rate applies only to what is left.
The employment income deduction (kyuyo shotoku kojo) comes off first, giving your total income. Social insurance premiums, the basic deduction and any dependent deductions are then subtracted to reach taxable income, and the progressive rates are applied to that figure.
There are seven brackets, from 5 percent to 45 percent. Moving into a higher bracket does not raise the rate on your whole salary: only the portion above the threshold is taxed at the higher rate.
The 2025 tax reform raised the deductions
The 2025 reform raised the minimum employment income deduction from ¥550,000 to ¥650,000. The basic deduction, previously a flat ¥480,000, now varies with total income.
It is ¥950,000 when total income is ¥1.32 million or less, ¥880,000 between ¥1.32 million and ¥3.36 million, and steps down from there.
As a result, the salary at which income tax starts rose from roughly ¥1.03 million to ¥1.6 million. The extra amounts are a two-year measure for the 2025 and 2026 tax years; from 2027 the basic deduction is scheduled to return to a flat ¥580,000.
Resident tax follows different rules
Resident tax is a separate local tax with its own deductions. Its basic deduction stayed at ¥430,000 even after the income tax changes.
That creates a band of salaries where you owe no income tax but still owe resident tax. Looking at income tax alone can hide a bill, so check both.
Resident tax is also assessed on the previous year's income and paid the following year. In your first year of working in Japan nothing is withheld for it; deductions begin in the second year, which is why take-home pay often seems to fall then. The same logic applies if you leave Japan: the tax on your final year of income is still due.
Why two people on the same salary take home different amounts
Health insurance rates differ by prefecture and by health insurance society. Employment insurance rates vary by industry and are revised each fiscal year.
At 40, long-term care insurance is added, so take-home pay drops for the same salary.
The number of dependents you support and deductions such as life insurance premiums or the home loan tax credit also change the tax due. This calculator does not model all of them, so expect some difference from your actual payslip.
Sources
- National Tax Agency, "Revision of the basic deduction for income tax under the FY2025 tax reform" (令和7年度税制改正による所得税の基礎控除の見直し等について)
- National Tax Agency, Tax Answer No. 1410: Employment income deduction (給与所得控除)
- National Tax Agency, Tax Answer No. 1199: Basic deduction (基礎控除)
Japan Salary Calculator FAQ
What does "take-home pay" mean in Japan?
It is your gross salary minus social insurance (health insurance, employees' pension, employment insurance and, from 40, long-term care insurance) and minus taxes (income tax and resident tax). It is the amount actually paid into your account.
Why is my real payslip different from this estimate?
Health insurance rates vary by prefecture and insurer, and deductions such as the home loan tax credit, iDeCo contributions or life insurance premiums change the result. Your payslip is the authoritative figure.
How are bonuses handled when I enter a monthly salary?
Each bonus is counted as one extra month of salary. With two bonuses a year, annual salary is treated as 14 months of your monthly pay.
I just started working in Japan. Why is no resident tax deducted?
Resident tax is calculated on the previous year's income in Japan and collected from June of the following year. In your first year there is no prior-year income, so nothing is withheld yet.