Japan Take-Home Pay Calculator, Monthly Salary + Bonus (2026 Tax Year)
Free calculator for take-home pay in Japan from a monthly salary and bonus entered separately. See take-home in a regular month, a bonus month, and for the year, using the 2026 tax year rules and the National Tax Agency's bonus withholding table.
Estimated take-home pay
Breakdown of one bonus payment
Withholding uses the previous month's salary after social insurance (¥255,855) and the number of dependents (0); the National Tax Agency's bonus rate table gives a rate of 4.084%.
Annual breakdown
Approximate estimate. Income tax and resident tax are computed on the combined annual salary and bonus total; withholding on each bonus payment uses the National Tax Agency's 2026 bonus withholding rate table (甲欄). Social insurance is computed separately for salary and for bonuses, each against its own real cap, so for a large bonus this is closer to reality than entering only an annual total into the annual take-home calculator. “Take-home in a regular month” is the year's take-home minus the bonuses' take-home, divided evenly by 12 — it can differ from what is actually withheld each month, which is reconciled in the year-end adjustment. Health insurance uses the national average rate of the Japan Health Insurance Association (協会けんぽ), and resident tax is estimated from the same year's income rather than the previous year's. This is general information, not tax, legal, or financial advice.
Take-home pay by number of bonuses a year (¥300,000/month salary, ¥600,000 per bonus)
| Bonuses per year | Regular month | Bonus month | Year total |
|---|---|---|---|
| No bonus | ¥239,404 | — | ¥2,872,847 |
| 1x a year | ¥236,224 | ¥727,036 | ¥3,325,496 |
| 2x a year | ¥233,031 | ¥723,843 | ¥3,777,994 |
| 3x a year | ¥229,434 | ¥720,246 | ¥4,225,643 |
| 4x a year | ¥224,573 | ¥715,385 | ¥4,658,130 |
Computed with the same engine as the calculator above (2026 tax year; single, no dependents, age 30), so the numbers match. More bonuses a year changes the year's total tax and social insurance, which changes the regular month's take-home too. Last checked: September 2026.
FAQ
Q.Is this more accurate than the annual take-home calculator?
If your monthly salary and bonus add up to the same annual total, income tax and resident tax come out about the same either way. The difference is social insurance: this calculator applies the salary's own cap and the bonus's own, separate and much higher cap (employees' pension up to ¥1.5 million per bonus payment, health insurance up to ¥5.73 million cumulative per fiscal year), instead of spreading the combined total evenly across 12 months. For a large bonus, that makes this calculator closer to reality than entering monthly×12+bonus into the annual take-home calculator.
Q.Why isn't take-home in a bonus month simply double a regular month?
The bonus has its own social insurance and withholding income tax, so the full gross amount isn't added on top. For example, at ¥300,000/month with a ¥600,000 bonus twice a year, age 30, single, no dependents, take-home in a regular month is about ¥230,000, and in a bonus month it is about ¥720,000 — the regular month's pay plus the bonus's own take-home of about ¥490,000.
Q.How much does a bonus add to take-home for the year?
In the same ¥300,000/month example, take-home for the year is about ¥2,870,000 with no bonus, and about ¥3,780,000 with a ¥600,000 bonus paid twice a year. The increase is smaller than the bonus total itself (¥1,200,000), because the bonus is also taxed and carries its own social insurance.
Sources
- National Tax Agency — 2026 withholding tax tables (Japanese)
- National Tax Agency — Rate table for withholding tax on bonuses, 2026, column 甲 (Japanese, PDF)
- Japan Pension Service — Employees' pension insurance premium table (Japanese)
- Japan Pension Service — How premiums on bonuses are calculated (Japanese)
- Japan Health Insurance Association (Kyokai Kenpo) — FY2026 premium rates (Japanese)
- Ministry of Health, Labour and Welfare — FY2026 employment insurance rates (Japanese, PDF)
- Japan Health Insurance Association (Kyokai Kenpo) — Child-rearing support levy rate (FY2026: 0.23%, split with employer, same cap as health insurance) (Japanese)
- Ministry of Internal Affairs and Communications — Overview of the individual resident tax system (Japanese)