Okane Keisan
Free calculators for money in Japan, in English: take-home pay, bonus and retirement-pay tax, using the official 2026 tax and social insurance rules. Japanese edition: お金計算.
Take-home pay and salary
- Japan Take-Home Pay Calculator (Annual Salary)Estimate annual and monthly take-home pay from a gross annual salary in Japan, after income tax, resident tax and social insurance.
- Japan Take-Home Pay Calculator, Monthly Salary + BonusEstimate take-home pay in a regular month, a bonus month, and for the year, from a monthly salary and bonus entered separately.
- Japan Bonus Take-Home CalculatorNet bonus after social insurance and withholding income tax, using the National Tax Agency's bonus rate table.
Taxes
- Furusato Nozei Donation Limit Calculator (Hometown Tax)Estimate how much you can donate to a local government with only 2,000 yen out of pocket, from your gross salary, family and deductions.
- Japan Gift Tax Calculator (Calendar Year and Settlement-at-Inheritance Taxation)Gift tax on gifts received in Japan: calendar year taxation with special and general rates, settlement-at-inheritance taxation, and the home-acquisition funds exemption.
- Japan Inheritance Tax Calculator (Spouse and Children, 2026)Estimate Japan's inheritance tax for a surviving spouse and children: the total tax, each person's share, the basic deduction, the spousal tax reduction, minor and disability deductions and the life insurance exemption, and compare the spouse's share including the second inheritance.
Home loans
Retirement and pension
- Japan Retirement Pay Tax CalculatorTax and take-home amount on a lump-sum retirement payment, from your pay and years of service.
- Japan Pension Refund CalculatorEstimate Japan's pension lump-sum withdrawal payment (National or Employees' Pension) and the refund available through selective taxation on retirement income.
Investing and building wealth
- Japan Net Worth Forecast Calculator (Salary, NISA, iDeCo, Pension, Retirement Pay)Forecast net worth year by year from salary, spending, NISA, iDeCo, the public pension, retirement pay and a mortgage, with Japan's tax rules switched between 2026-27 and 2028 onward and the retirement-income overlap rule for iDeCo lump sums.
- Japan New NISA Forecast Calculator (Tsumitate and Growth Quotas)Forecast your new NISA balance from monthly contributions. The tsumitate and growth quotas are modelled separately, with each annual limit, the ¥18 million lifetime limit and the ¥12 million growth-quota limit. Also handles stopping contributions and withdrawing.
- Japan Kodomo NISA Calculator (Under-18 Tsumitate Quota)Forecast a child's Kodomo NISA balance (from January 2027) with the ¥600,000 annual and ¥6 million lifetime limits: the balance at 18, when the limit is reached, and withdrawals for tuition.
Credit cards
- Japan Credit Card Rewards Calculator (Points and Cashback)Net yearly value of each Japanese credit card after the annual fee, from your monthly spending and card-funded investing, using the issuers' own rates and conditions.
- Miles Credit Cards in Japan: What a Mile Must Be WorthJAL, ANA, American Express, Marriott Bonvoy and Luxury Card compared on yearly miles and fees — and the mile value at which each beats the best no-fee points card.
- Which Credit Card for What in JapanThe best one-, two- or three-card combination for your spending, with a recommended number of cards that only adds a card if it earns at least ¥3,000 a year more.
Understanding your payslip
Why take-home pay can fall in your second year in JapanSee how prior-year income and June resident-tax deductions affect your budget.
Choosing credit cards in Japan
Credit card verdicts: recommended, up to you, not recommended — with the numbersNineteen cards judged against a free 1.2% card on the issuers' own rates, fees and conditions, plus three calculators for points, miles and the best combination.
More, in Japanese
The site also has calculators for income tax, resident tax, the housing loan deduction, and variable vs. fixed mortgage rates, plus written guides. Those are currently available only in Japanese.
日本語版を見る (Japanese edition)
Results are estimates for general information. They are not tax, legal, or financial advice; for your own situation, ask a tax accountant (zeirishi) or your employer's payroll department.