🗂️ Topic: Money, Tax & Insurance (8 guides, in situation order)
Take-Home Pay Calculator
How much of your gross salary actually reaches your bank account? Enter your annual income to estimate social insurance, income tax, and resident tax — and your final take-home pay. Updated 2026 rates.
📅 Rates verified July 2026💴 Gross → Net estimate
| Item | Annual amount (est.) | % of gross |
|---|---|---|
| Social insurance (health + pension + employment) | ||
| Income tax (incl. reconstruction surtax) | ||
| Resident tax (income levy + flat levy) | ||
| Total deductions | ||
| Take-home pay (手取り) |
※ Assumptions: single, no dependents, salary income only, Tokyo Kyokai Kenpo, general industry. Results update as you type — no button needed.
⚠️ This is an estimate, not a payslip
This tool approximates annual income × contribution rates. Differences from your actual payslip come from:
① Social insurance is actually assessed monthly on the "standard remuneration" grade table; this tool approximates it from annual income (the pension cap of ¥650k/month and health cap of ¥1.39M/month are applied); ② It does not include dependent deductions, spouse deduction, iDeCo, hometown tax (furusato nozei), mortgage deductions, or life insurance deductions — with those, your real take-home would be higher; ③ Resident tax is billed on the previous year's income: you pay almost none in your first year in Japan, and it starts coming out of your salary from June of year two; ④ The temporary basic-deduction top-ups (¥950k / 880k / 680k / 630k) are time-limited 2025–2026 measures and are scheduled to return to ¥580k from 2027. For exact figures, rely on your payslip and resident tax notice.
🧾 How the three deductions work
Social insurance: about 14.7% – 15.5%
Employee share (FY2026, Tokyo Kyokai Kenpo): health insurance 9.85% + child-rearing support levy 0.23%, split 50/50 with your employer → about 5.04%; employees' pension 18.3% split 50/50 → 9.15%; employment insurance 0.5%. Ages 40–64 also pay nursing care insurance (1.62% split → 0.81%). Total ≈ 14.7% of gross (under 40) / 15.5% (40–64).
Income tax: progressive rates after deductions
First the employment income deduction applies (minimum ¥650k after the 2025 reform), then full social insurance and the basic deduction (¥580k standard, temporarily raised to ¥630k–950k by income band for 2025–2026). The remaining taxable income is taxed at seven progressive brackets from 5% to 45%, plus the 2.1% reconstruction surtax.
Resident tax: a flat 10% + ¥5,000
Taxable income (with a smaller ¥430k basic deduction) × 10% income levy + ¥5,000 flat levy (incl. forest environment tax). Based on the previous year's income, collected from your salary in 12 installments starting each June.
📌 What changed in 2026 (Reiwa 8)
- Health insurance rate (Tokyo) 9.91% → 9.85% — first cut in 34 years
- New "child-rearing support levy" from April 2026: 0.23%, collected together with health insurance (scheduled to rise to 0.44% in 2028)
- Nursing care insurance 1.59% → 1.62% (ages 40–64)
- Employment insurance (employee share) 0.55% → 0.5% (general industry), cut for the second year running
- Employees' pension stays at 18.3% (frozen since 2017)
- Income tax basic deduction ¥580k + temporary top-ups, and the minimum ¥650k employment income deduction continue (2025 reform)
You may also need
Tax Return (Kakutei Shinkoku) Guide
Side income in Japan? Filing process and deductions, organized.
View guide →
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