✈️ Japan Pension Lump-Sum Withdrawal Calculator (脱退一時金) + 20.42% Tax Refund

Calculate your Japan Pension Lump-Sum Withdrawal Payment (脱退一時金) for Employees’ Pension (厚生年金) or National Pension (国民年金) up to 60 months, plus your 20.42% withholding tax refund.

✅ Official Rule Verification Date: 2026-11-04 (2026/2027) 🏛️ Official Government Sources: Japan Pension Service (日本年金機構) · National Tax Agency of Japan (国税庁)

🔒 100% Client-Side Privacy: Your salary and income inputs are calculated strictly inside your browser and never sent to any server.

📌 Pension Refund (脱退一時金) Calculator — 핵심 요약 (Key Takeaways)

Foreign nationals who contributed to Japanese pension for 6+ months can claim up to 60 months (5 years) within 2 years of leaving Japan.
Employees’ Pension refunds have 20.42% withheld for income tax upfront, which you can reclaim 100% via a Tax Representative (納税管理人) in Japan.
National Pension (国民年金) refunds are completely tax-exempt.

📖 How the Formula Works & Official Terminology (with Local Terms)

Employees’ Pension Formula: Average Standard Monthly Remuneration × Multiplier (0.5 to 5.5 based on 6-month brackets from 6 to 60+ months).
First Payout (79.58%): Sent directly by Japan Pension Service in foreign currency to your home country bank account.
Second Payout (20.42% Tax Refund): Mail your original Notice of Lump-Sum Withdrawal Payment to your Tax Representative in Japan to file a Retirement Income Tax Return.

📊 Sample Salary & Tax Reference Table by Income Bracket

Contribution Period	Multiplier	Total Refund (¥300k/mo avg)	1st Payout (79.58%)	Tax Refund (20.42%)
12–17 Months (1 Yr)	1.1	¥330,000	¥262,614	¥67,386
24–29 Months (2 Yrs)	2.2	¥660,000	¥525,228	¥134,772
36–41 Months (3 Yrs)	3.3	¥990,000	¥787,842	¥202,158
48–53 Months (4 Yrs)	4.4	¥1,320,000	¥1,050,456	¥269,544
60+ Months (5 Yr Cap)	5.5	¥1,650,000	¥1,313,070	¥336,930

❓ Frequently Asked Questions (FAQ)

Q. Do I have to file a Moving-Out Notification (海外転出届) before leaving Japan?

Yes! Your resident registration (住民票) must be officially removed before the Japan Pension Service will approve a Lump-Sum Withdrawal claim.

Q. Can anyone living in Japan be my Tax Representative (納税管理人)?

Yes, any friend, colleague, or family member residing in Japan can serve as your Tax Representative—they do not need to be a licensed tax accountant.

🏛️ Official Government Citations & Revision Schedule

Japan Pension Service (日本年金機構) — Employees’ Pension Rates & Lump-Sum Withdrawal Payments (脱退一時金)
Official Rule Verification Date: 2026-11-04 | 국민연금 보험료 매년 4월 개정 / 후생연금 정기결정 9월 (3월·4월·9월 점검)
National Tax Agency of Japan (国税庁) — 2026/2027 Withholding Tax Tables & Computer Formula (源泉徴収税額表)
Official Rule Verification Date: 2026-11-04 | 매년 9월 차년도 표 공개 → 1월 급여부터 적용 (1월·9월 중점 점검)

→ 📅 Tax Revision Calendar & Sources

⚠️ ⚠️ Important: Figures May Differ — Always Verify with Your Tax Office or Relevant Agency

Calculations, schedules, and guides on HonsMoney are approximate estimates and may differ from your actual tax or insurance amounts due to individual circumstances, municipal rules, visa status, or law revisions. This site does not provide tax or legal advice. Always verify final figures and deadlines directly with your local Tax Office (税務署 / NTS), Municipal Office (役所), Pension Service (年金事務所 / NPS), or your employer’s HR/payroll department.

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🧳 JP

Leaving Japan Money Checklist

Step-by-step interactive checklist before leaving Japan permanently: Moving-Out Notice (海外転出届), Tax Representative (納税管理人), Resident Tax settlement, Pension Lump-Sum claim, and bank closure.

💴 JP

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