Estimates what actually lands in your bank account, from your gross annual pay in Japan. Every rate on this page is yours to edit. The rules change every year, so the tool is built not to make you trust a hard-coded number.
| Item | Amount | Of gross |
|---|
The starting values are common ballpark figures. The health insurance rate differs by prefecture and by insurer (the national association scheme or a company society). Working backwards from the deductions on your payslip will make this much more accurate.
The progressive rates applied to taxable income. Editable too.
What this does not model: the grade table for standard monthly remuneration (the caps are in, but the grades in between are not — the rate is applied to your monthly pay directly), deductions for life insurance premiums, iDeCo or a housing loan, hometown tax donations, the child-rearing contribution (paid by the employer, so it does not touch your take-home), the residence tax adjustment credit, the non-taxable threshold, and the way the basic deduction shrinks above ¥24,000,000 of total income.
Added on 2026-09-01: the social insurance caps (health insurance at ¥1,390,000 of standard monthly remuneration and the pension at ¥650,000; for bonuses, ¥5,730,000 per fiscal year for health insurance and ¥1,500,000 per payment for the pension). Before that the caps were missing, so the higher the salary, the more this tool over-deducted. The caps are editable in the panel above.
Residence tax is charged on last year's income. In your first year of work in Japan there is no residence tax to pay, so your real take-home is higher than this page shows.