Japan Salary Calculator 2026
Estimate your annual take-home pay in Japan after social insurance and income taxes. Enter your gross annual salary below — the calculator applies the rates that took effect from April 2026.
Your Details
Type a yen amount, e.g. 6000000 for ¥6,000,000
Nursing care insurance applies from age 40.
Annual Breakdown
Rates last verified: June 2026
| Gross salary | — |
| Social Insurance (employee share) | |
| Health insurance (Tokyo, Kyokai Kenpo) | — |
| Nursing care insurance | — |
| Welfare pension (厚生年金) | — |
| Employment insurance | — |
| Social insurance total | — |
| Taxes | |
| Income tax (所得税 + surtax) | — |
| Inhabitant tax (住民税, estimated) | — |
| Total tax | — |
| Estimated take-home | — |
What this calculator includes
- Health insurance: Tokyo Kyokai Kenpo employee rate of 4.925% (effective March 2026 payroll, down from 4.955%). Capped at ¥1,390,000/month standard remuneration.
- Nursing care insurance: 0.81% employee share for ages 40–64 (up from 0.795%). Applied only when you select "40 or older."
- Welfare pension (厚生年金): 9.15% employee share. Unchanged since 2017. Capped at ¥650,000/month standard remuneration (grade 32).
- Employment insurance (雇用保険): 0.5% employee share effective April 1, 2026 (reduced from 0.55%).
- Income tax (所得税): Progressive 5–45% brackets on taxable income, plus 2.1% reconstruction surtax. Includes the 2026 temporary basic deduction increase (¥1,040,000 for income ≤¥6.55M) and updated employment income deduction (floor raised to ¥740,000).
- Inhabitant tax (住民税): Estimated at 10% of local taxable income plus ¥6,000/year per capita levy (Tokyo reference). Uses the standard ¥430,000 local basic deduction.
What it does not include
- Dependent deductions, medical expense deductions, small-premium deductions, or other personal circumstances
- Year-end tax adjustment (年末調整) corrections
- Employer-side social insurance contributions (these do not affect your take-home)
- Prefecture-specific health insurance rates (if your company uses a corporate health union instead of Kyokai Kenpo, your rate may differ)
- Stock options, bonus taxation, or non-salary income
Inhabitant tax is collected on the prior year's income, so your first year in Japan typically has no inhabitant tax bill. The calculator estimates it on the current year's salary as a planning figure.
Sources
- Health & nursing care insurance rates: Kyokai Kenpo 2026 rate table (令和8年度保険料額表)
- Employment insurance rate: MHLW — employment insurance rates (令和8年度)
- Welfare pension rate: Japan Pension Service — kosei nenkin premium table
- Income tax brackets and 2026 deduction changes: NTA — income tax rate table, EY Japan 2026 tax reform outline
Results are estimates for planning purposes. Your actual payslip will differ based on your employer's calculations, standard remuneration grade rounding, and personal deductions. Consult a tax accountant (税理士) for advice on your specific situation.