Japan take-home pay calculator
In Tokyo, a single 30-year-old earning 5,000,000 yen a year (no bonus) takes home about 3,942,156 yen under the 2026 rules.
How to use
- Choose annual or monthly input and enter your gross salary before deductions. If you get a bonus, enter the yearly total.
- Pick the prefecture of your workplace. Kyokai Kenpo health insurance rates differ by prefecture, and people aged 40 to 64 also pay nursing care insurance.
- Add your spouse and dependents if they qualify. Children under 16 are not counted for the dependent deduction.
How it works
Take-home pay = gross salary − social insurance − income tax − resident tax.
Social insurance uses the standard monthly remuneration grade. Health insurance (Tokyo 9.85%) plus the child support levy (0.23%) and, from 40 to 64, nursing care (1.62%) are split half and half with the employer. Pension is 18.3% split in half, and employment insurance is 5/1000 of pay.
Income tax applies the 2026 employment income deduction (minimum 740,000 yen) and basic deduction (up to 1,040,000 yen), then adds the 2.1% reconstruction surtax. Resident tax is 10% of taxable income plus a 5,000 yen per-capita levy.
Sources: 全国健康保険協会 · 日本年金機構 · 国税庁 No.1410 · 総務省 個人住民税Last reviewed 2026-10-14 (2026 rates)
FAQ
Why is there no resident tax in my first year in Japan?
Resident tax is charged from June on the previous calendar year’s income. If you had no Japanese income last year, it usually starts in your second year.
Does this work for health insurance societies?
No. It uses Kyokai Kenpo rates. Corporate health insurance societies set their own rates, so your actual premium may differ.