💴 Japan Take-Home Pay Calculator (手取り計算 — Monthly & Annual Net Salary)
Calculate your exact take-home pay (手取り) in Japan by prefecture, including Kyokai Kenpo Health Insurance, Welfare Pension (厚生年金), Employment Insurance, Income Tax, and Resident Tax (住民税).
📌 Japan Salary & Take-Home Pay (手取り) — 핵심 요약 (Key Takeaways)
- Net take-home pay (手取り / Tedori) in Japan is typically 75%–82% of gross pay (or 83%–85% in your first year in Japan before Resident Tax starts).
- Health insurance rates vary by prefecture (e.g., Tokyo 9.98%, Osaka 10.34%, Nagano 9.62%) and are split 50/50 between employer and employee.
- Employees aged 40–64 pay an additional Nursing Care Insurance (介護保険) contribution of 0.80%.
📖 How the Formula Works & Official Terminology (with Local Terms)
- Step 1 (Social Insurance): Combines Health Insurance (half of prefectural rate), Nursing Care Insurance (if 40–64), Welfare Pension (9.15%, capped at ¥650k monthly base), and Employment Insurance (0.55%).
- Step 2 (Taxable Income): Deducts the statutory Employment Income Deduction (給与所得控除), full social insurance paid, basic deduction, and dependent exemptions.
- Step 3 (Income Tax & Resident Tax): Subtracts progressive national income tax (+2.1% surtax) and local Resident Tax (10% + ¥5,000 flat levy; toggleable for Year 1 newcomers).
📊 Sample Salary & Tax Reference Table by Income Bracket
| Gross Annual Pay | Social Insurance | Income Tax | Resident Tax (Yr 2+) | Net Annual (手取り) | Monthly Net Avg |
|---|---|---|---|---|---|
| ¥3,000,000 | ¥440,100 | ¥43,300 | ¥108,000 | ¥2,408,600 | ¥200,700 |
| ¥4,000,000 | ¥586,800 | ¥77,600 | ¥165,000 | ¥3,170,600 | ¥264,200 |
| ¥5,000,000 | ¥733,500 | ¥132,700 | ¥230,000 | ¥3,903,800 | ¥325,300 |
| ¥6,000,000 | ¥880,200 | ¥206,200 | ¥303,000 | ¥4,610,600 | ¥384,200 |
| ¥8,000,000 | ¥1,105,000 | ¥469,600 | ¥465,000 | ¥5,960,400 | ¥496,700 |
❓ Frequently Asked Questions (FAQ)
🏛️ Official Government Citations & Revision Schedule
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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)
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Japan Health Insurance Association (協会けんぽ) —
Prefectural Health & Nursing Care Insurance Rate Tables
Official Rule Verification Date: 2026-11-04 | 매년 3월분(4월 납부분)부터 도도부현별 요율 개정 (2월·3월·4월 중점 점검)
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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)
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Ministry of Health, Labour and Welfare (厚生労働省) —
Employment Insurance Rates, Regional Minimum Wage & Income Wall Package
Official Rule Verification Date: 2026-11-04 | 고용보험 매년 4월 / 지역별 최저임금 매년 10월 발효 (3월·4월·9월·10월 점검)
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Ministry of Internal Affairs and Communications (総務省) —
Individual Resident Tax (住民税) & Forest Environment Tax System
Official Rule Verification Date: 2026-11-04 | 매년 6월 신규 연도 주민세 부과 시작 (5월·6월 중점 점검)
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.
🔗 Related Calculators & Guides
Japan Withholding Tax (源泉徴収)
Calculate Japanese monthly salary and bonus withholding income tax (源泉徴収税額) using the official NTA Computer Formula (電算機特例) for Column A (甲欄) and Column B (乙欄).
Japan Resident Tax (住民税)
Estimate your Japanese Individual Resident Tax (個人住民税: 10% income levy + ¥5,000 per-capita levy) billed from June to May based on your previous year’s income.
How to Read Japanese Payslips
Decode every Japanese term on your monthly payslip (給与明細書): Attendance (勤怠), Earnings (支給), Social Insurance & Tax Deductions (控除), and Net Pay (差引支給額).