From gross salary to net pay
The calculator combines monthly salary and annual bonus, estimates employee social insurance, applies Japan's salary income deduction, then estimates national income tax and resident tax.
Salary Calculator
Japan take-home salary estimator
Estimate monthly net pay for a regular employee in Tokyo using 2026 public tax and social insurance rates. V1 focuses on Kyokai Kenpo Tokyo branch assumptions.
Estimated monthly take-home¥338,946
Estimated annual net¥4,067,357
Effective deduction rate17%
Annual breakdown
Gross salary and bonus¥4,900,000
Employees' health insurance¥206,856
Employees' pension¥384,300
Child care support contribution¥4,836
Employment insurance¥21,000
Bonus social insurance estimate¥102,830
National income tax¥110,500
Reconstruction income tax¥2,321
Resident tax¥0
Assumptions
- Regular employee enrolled in Employees' Health Insurance and Employees' Pension.
- Tokyo Kyokai Kenpo branch rates are used in this prototype.
- Standard remuneration classes are approximated from entered monthly salary.
- No spouse, dependent, iDeCo, life insurance, or housing loan deductions are included.
How it works
What this Japan salary calculator estimates
Tokyo employee assumptions
V1 is scoped to regular employees in Tokyo enrolled in Employees' Health Insurance, Employees' Pension, and employment insurance. Care insurance is added for ages 40 to 64.
Planning use cases
Use the result to compare job offers, set rent targets, estimate savings, or decide whether a salary package is enough before relocating to Japan.
FAQ
Japan take-home pay questions
How is take-home salary calculated in Japan?
The estimate starts with annual gross pay, applies the salary income deduction, then subtracts employee social insurance, national income tax, reconstruction income tax, and resident tax when applicable.
Why is first-year take-home pay higher?
Resident tax is usually based on prior-year income and January 1 residence status. Many new arrivals do not pay it in their first year, but it can reduce later-year monthly pay.
Does this match a real payslip exactly?
No. This V1 is an estimate for Tokyo employees. Payroll systems use standard remuneration classes, exact bonus handling, company rules, dependents, and other deductions that can change the final amount.
Next calculators
Turn salary into a full Japan budget
The next passive-income path is a cluster of related tools: rent affordability, move-in costs, monthly living costs, and savings planning.