Free tool
Japan Tax Calculator
See what a salary in Japan actually pays. Enter an annual gross figure and get your take-home pay after income tax, resident tax and social insurance, at 2026 rates.
Know Your True Bank Deposit in Japan
Pension, health and employment insurance, income tax and resident tax, taken off your gross salary at 2026 rates.
Deductions applied
Basic deduction (¥620k to ¥1.04M, by income), employment income deduction, social insurance premiums, plus any spouse, dependent and iDeCo deductions you select.
Annual take-home
¥6,374,228
About 75.0% of gross
Monthly take-home
¥531,186
Annual take-home divided by 12
- Take-home pay¥6,374,228
- Social insurance¥1,194,572
- Income tax¥463,800
- Resident tax¥467,400
This calculator gives an estimate for general information only. It is not tax advice. Check your payslip, or ask your employer or a tax professional, for exact figures.
How salary is taxed in Japan
Four things come off a salary in Japan before it reaches your bank account. This is how the calculator works each one out.
Social insurance (社会保険)
Your employer withholds your share of employees' pension (9.15%), health insurance (4.925%), the child-rearing support levy (0.115%) and employment insurance (0.5%). From age 40 to 64 you also pay nursing care insurance (0.81%). Pension and health premiums stop rising above an annual cap, and your commuter allowance counts as pay for these premiums. These are the 2026 rates for Kyokai Kenpo in Tokyo; other prefectures and company health insurance associations differ slightly.
Income tax (所得税)
National income tax is progressive, from 5% up to 45% of taxable income, plus a 2.1% reconstruction surtax. Taxable income is your salary minus the employment income deduction, your social insurance premiums, the basic deduction (¥620,000, rising to ¥1.04 million for lower incomes in 2026) and any spouse, dependent or iDeCo deductions.
Resident tax (住民税)
Resident tax is a flat 10% of taxable income plus a small fixed amount, paid to your city and prefecture. It is billed on the previous year's income, so you pay none in your first year in Japan and it starts in your second.
Deductions that lower your tax
A dependent spouse (salary up to ¥1.36 million in 2026), dependents aged 16 and over, and iDeCo contributions all reduce your taxable income. Students aged 19 to 22 carry a larger deduction than other dependents. The spouse deduction shrinks once your own income passes ¥9 million and ends above ¥10 million.
Japan salary and tax: common questions
How much of my salary do I keep in Japan?
Most employees keep roughly 74% to 81% of a gross salary between ¥3 million and ¥8 million. The share falls as salary rises, because income tax is progressive. Enter your own figure above for an estimate.
What is deducted from a salary in Japan?
Employees' pension, health insurance, employment insurance, income tax and resident tax. From age 40 you also pay nursing care insurance. Your employer withholds all of them from your monthly pay.
Why is there no resident tax in my first year in Japan?
Resident tax is calculated on the income you earned in Japan during the previous calendar year. With no Japanese income the year before, there is nothing to bill, so your first-year take-home is higher than it will be from the second year on.
Is the commuter allowance taxed?
A commuter allowance within the legal limit is not subject to income tax, but it does count as pay when social insurance premiums are calculated. That is why the calculator asks for it separately.
How accurate is this calculator?
It is an estimate. It assumes you are a salaried employee paid in twelve equal months with no bonus, and it uses 2026 rates for Kyokai Kenpo in Tokyo. Your actual deductions depend on your health insurance association, where you live and your year-end tax adjustment.
Going after a job in Japan?
A salary like this starts with a resume Japanese employers will read. Build an ATS-friendly Rirekisho and Shokumu Keirekisho in the correct format.
Create your Japanese resume