Japan Take-Home Pay Calculator (2026 Tax Year)
Free calculator for take-home pay in Japan. Enter a gross annual salary to see income tax, resident tax and social insurance, and your net annual and monthly pay, using the 2026 tax year (令和8年分) rules.
Estimated take-home pay
Deductions and taxes (annual)
Social insurance
Income tax and resident tax
Approximate estimate. Uses the 2026 tax year (令和8年分) income tax rates, basic deduction (including the special measures for the 2026 and 2027 tax years), employment income deduction and social insurance rates. Spouse and dependent deductions, the life insurance premium deduction, the medical expense deduction and similar are not included. Health insurance uses the national average rate of the Japan Health Insurance Association (協会けんぽ); the actual rate differs by prefecture. Social insurance is calculated with a simple monthly pay × rate approximation, not the official standard-remuneration grade table. Resident tax is normally based on the previous year's income and billed the following year; this tool estimates it from the same year's income. This is general information, not tax, legal, or financial advice.
Take-home pay by gross salary
| Gross annual salary | Take-home (annual) | Take-home (monthly, ÷ 12) | Take-home ratio |
|---|---|---|---|
| ¥3,000,000 | ¥2,414,131 | ¥201,178 | 80.5% |
| ¥4,000,000 | ¥3,178,407 | ¥264,867 | 79.5% |
| ¥5,000,000 | ¥3,933,621 | ¥327,802 | 78.7% |
| ¥6,000,000 | ¥4,663,615 | ¥388,635 | 77.7% |
| ¥8,000,000 | ¥5,955,802 | ¥496,317 | 74.4% |
| ¥10,000,000 | ¥7,276,559 | ¥606,380 | 72.8% |
Computed with the same engine as the calculator above (2026 tax year; single, no dependents, age 30, salary income only), so the numbers match. Expect differences if you have a spouse or dependents, other deductions, or a health insurance rate that differs by prefecture. Last checked: September 2026. This is general information, not tax, legal, or financial advice.
Reading a Japanese payslip (給与明細)
| On the payslip | Means | Note |
|---|---|---|
| 総支給額（額面）sōshikyū-gaku (gakumen) | Gross pay | Pay before any deductions. |
| 差引支給額（手取り）sashihiki shikyū-gaku (tedori) | Net pay (take-home) | What is paid into your bank account. |
| 健康保険料kenkō hoken-ryō | Health insurance premium | Your share of the health insurance premium, which is normally split between you and your employer. |
| 介護保険料kaigo hoken-ryō | Nursing care insurance premium | Charged at ages 40–64, on top of health insurance. |
| 厚生年金保険料kōsei nenkin hoken-ryō | Employees' pension insurance premium | Your share of the employees' pension contribution, which is normally split between you and your employer. |
| 雇用保険料koyō hoken-ryō | Employment insurance premium | Your share of the employment insurance contribution, which funds unemployment benefits among other things. |
| 所得税shotoku-zei | Income tax | National tax, withheld monthly and reconciled in the year-end adjustment. |
| 住民税jūmin-zei | Resident tax | Local tax based on the previous year's income; usually deducted from monthly pay from June to the following May. |
| 年末調整nenmatsu chōsei | Year-end adjustment | Your employer's yearly reconciliation of withheld income tax, usually done in December. |
Layouts differ between employers, and some group the insurance items under one line (社会保険料, “social insurance premiums”).
FAQ
Q.What share of my gross pay do I take home in Japan?
For a single person with no dependents, aged 30, take-home pay is about 72.8% to 80.5% of gross pay in the table above. Income tax and resident tax rates rise with income, so the share falls as the salary rises.
At ¥5,000,000 gross, for example, social insurance is about ¥730,000, income tax (including the special reconstruction income tax) is about ¥90,000, and resident tax is about ¥250,000, which leaves about ¥3,930,000. Social insurance is the largest of the three.
Q.I get bonuses. What do I enter as my salary?
Enter the total gross amount: twelve months of pay plus bonuses. The monthly take-home shown is annual take-home divided by 12, an average; in practice, months with a bonus are higher and the others are lower. For the bonus on its own, use the bonus take-home calculator.
Q.Why does my take-home pay drop at age 40?
From age 40 to 64, a nursing care insurance premium is added to the health insurance premium. The FY2026 nursing care rate of the Japan Health Insurance Association (協会けんぽ) is 1.62%, and the employee pays half: 0.81%. In this calculator, at ¥5,000,000 gross, going from 39 to 40 lowers take-home pay by about ¥30,000 (¥34,307) per year.
Q.Who is this calculator for?
It assumes a salaried employee who is a resident of Japan and is covered by the employees' pension and the Japan Health Insurance Association (協会けんぽ) health plan. Company health plans (組合健保) can have different rates. Non-residents, the self-employed, and other special cases are taxed differently and are not covered.
Sources
- National Tax Agency — 2026 withholding tax tables (Japanese)
- National Tax Agency — Increase of the basic deduction etc. under the FY2026 tax reform (Japanese, PDF)
- Japan Pension Service — Employees' pension insurance premium table (Japanese)
- Japan Health Insurance Association (Kyokai Kenpo) — FY2026 premium rates (Japanese)
- Ministry of Health, Labour and Welfare — FY2026 employment insurance rates (Japanese, PDF)
- Ministry of Internal Affairs and Communications — Overview of the individual resident tax system (Japanese)