MundoKit

Japan take-home pay calculator 2026

Enter annual taxable employment pay, health insurance and resident-tax bills. Choose estimated pension/employment insurance or actual deductions. This full-year resident estimate uses the December 2026 year-end tax reform and compares the cash impact of two entered resident-tax amounts.

Inputs
JPY
Taxable salary and bonuses before deductions. Estimate mode assumes no separate non-taxable remuneration (e.g. commuting allowances); use actual deductions otherwise. Full-year resident, salary income only.
JPY
Example amount only. Replace with your payroll total; include applicable care and support contributions.
Example: 2026-06-25 500000. Leave blank for none. Up to three bonus months; the remaining gross is split into 12 monthly payments.
JPY
Enter a verified deduction total excluding basic, salary and the insurance amounts above. No tax credits are modeled.
JPY
Example: zero if no current liability. Enter the actual amount due; arrival year alone does not establish exemption.
JPY
Illustrative bill, not a calculated municipal tax. Enter a municipality estimate or bill.

Results

Monthly average after current resident tax
¥414,229
Annual take-home after year-end adjustment
¥4,970,750
Monthly average with comparison resident tax
¥389,229
Annual national income tax including reconstruction
¥149,500
Annual deductions and monthly budget equivalents
ItemAnnualMonthly average
Gross salary¥6,000,000¥500,000
Health / care insurance (entered)¥300,000¥25,000
Pension (estimate)¥549,000¥45,750
Employment insurance (estimate)¥30,750¥2,563
National income tax¥149,500¥12,458
Current resident tax (entered)¥0¥0
Current take-home¥4,970,750¥414,229
Comparison take-home¥4,670,750¥389,229
  • Employment income after salary deduction: ¥4,360,000. Basic deduction: ¥1,040,000. Taxable income: ¥2,440,000.
  • Estimated pension standard monthly remuneration: ¥500,000. Assumes continuous employee coverage, stable regular remuneration, and one regular payment in each calendar month. Use actual mode for changing bands, exemptions or different payment schedules.
  • Uses the enacted December 2026 year-end reform for 2026 annual tax. This is an annual budget average, not the monthly withholding table or a prediction of December’s refund.
  • Comparison holds gross pay, insurance and national tax constant and changes only the entered resident-tax bill. The next year’s national tax rules are not projected. Municipal taxes and insurer premiums are not calculated.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

How it works

First calculate employment income using NTA No.1410 and the salary-income table. Subtract the 2026 basic deduction, estimated or entered employee social-insurance payments and any other eligible deductions you enter. Apply the NTA No.2260 income-tax brackets, then the reconstruction levy using the year-end adjustment method.

Taxable income = max(0, employment income − basic deduction − social insurance − other deductions) Annual take-home = gross − insurance − annual national tax − entered resident tax

The December 1, 2026 reform applies to 2026 annual tax but does not change withholding through November. This tool estimates tax after year-end adjustment; monthly results are budget averages, not withholding-table amounts. Salary income only, gross pay up to ¥20 million, no tax credits or income-adjustment deduction.

Rounding follows the official salary-income table, including the divide-by-four and ¥1,000 truncation for relevant salary bands. Taxable income is truncated to ¥1,000. National tax including the 2.1% reconstruction levy is truncated to ¥100 for year-end adjustment. Monthly displays round annual totals divided by 12 to the nearest yen.

Estimate mode assumes continuous employee pension and employment coverage with stable regular remuneration throughout 2026, excluding pension-fund special rates. Annual gross less dated bonuses is divided into 12 monthly payments; indivisible yen go to December. The official pension band sets standard monthly remuneration (¥88,000–¥650,000), multiplied by the 9.15% employee share. Bonuses are combined by month, truncated to ¥1,000 and capped at ¥1.5 million per month for pension. Enter bonuses in no more than three months; more frequent bonuses require actual mode. General-business employment insurance is 5.5/1,000 for payments before April and 5/1,000 from April; agriculture/forestry/fisheries/sake and construction use 6.5 then 6/1,000 (statutory agricultural exceptions use general rates). Payroll insurance deductions round to whole yen with exact half-yen amounts rounded down, absent a special agreement. Actual mode accepts annual pension and employment deductions instead. Health/care insurance and municipal tax remain entered amounts. Actual pension bands depend on the official assessment period and may lag pay changes; use actual mode for varying remuneration, different payment schedules, unpaid leave or exemptions. The comparison changes only the resident-tax bill. Use calendar-year totals payable, including deductions spanning two municipal assessment cycles.

Worked examples

¥6 million salary: current and comparison resident-tax bills

With ¥500,000 regular monthly remuneration, no bonuses and general-business insurance, pension is ¥549,000 and calendar-2026 employment insurance is ¥30,750. With example health/care payments of ¥300,000, salary income is ¥4,360,000. The basic deduction is ¥1,040,000 and taxable income is ¥2,440,000. National tax including reconstruction is ¥149,500. With no current resident-tax bill, annual take-home is ¥4,970,750. An entered comparison bill of ¥300,000 reduces it to ¥4,670,750: ¥25,000 less per month.

Official NTA salary-income example

For gross salary of ¥5,812,500, divide by four to get ¥1,453,125, truncate to ¥1,453,000, multiply by 3.2 and subtract ¥440,000. Employment income is ¥4,209,600. This table step prevents treating the salary deduction as a simple unrounded percentage.

Official national-tax bracket example

NTA No.2260 gives ¥7,000,000 of taxable income: 23% minus ¥636,000 produces ¥974,000 of income tax. The 2.1% reconstruction component is ¥20,454. Under the year-end ¥100 truncation used here, the combined amount is ¥994,400.

Frequently asked questions

Is resident tax always zero in my first year in Japan?
No. Liability depends on the January 1 residence rule and prior-year taxable income, not a universal first-year exemption. Enter the actual amount due. Yokohama explains this timing and sends notices in June.
Why can second-year take-home pay fall?
A later resident-tax bill may reflect income earned in the preceding year. The comparison shows the effect of an entered bill while holding pay, insurance and national tax constant; it does not calculate the municipality’s bill.
Which insurance deductions are estimated?
Estimate mode calculates pension bands and employment insurance from stable pay, dated bonuses and industry. Health/care costs still require your insurer or payroll figure. Actual mode supports payroll totals for both estimated deductions when your situation differs from the assumptions.
Does this show my monthly income-tax withholding?
No. It shows annual tax after the December 2026 reform, spread over 12 months for budgeting. Monthly withholding can differ and year-end adjustment reconciles it. The English guide linked below was prepared under earlier rules.
Can I include dependants, credits or other income?
You can enter an independently verified total of eligible income deductions. Tax credits, other income, nonresident taxation and salary income-adjustment deductions are not modeled. Do not use this result as a complete return for those cases.

Sources

Last reviewed 2026-11-14; next review due by 2026-12-01. The method is written out above so you can check our math.