Yen & Zen · For residents

Japan net salary (gross → take-home)

Estimate your Japanese take-home pay after income tax, resident tax, health insurance, pension and employment insurance. 2026 rates.

¥

From age 40, long-term care insurance (介護保険) is added

Default: Kanagawa avg (9.93%). Niigata 9.21% – Saga 10.55%.

Family deductions

Optional · spouse, children, other dependents

+
Dependent spouse
Dependents (excluding spouse)

Important: these do NOT give an income tax deduction (covered by 児童手当 child allowance).

Larger deduction: ¥630k (特定扶養控除).

How net pay is calculated

Japan's salary system removes four big blocks from your gross pay before the money lands in your account:

  1. Social insurance (~14-15% of gross): health (健康保険), pension (厚生年金 at 18.3% split 50/50 with the employer), employment (雇用保険), and—if you're 40+—long-term care (介護保険).
  2. National income tax (所得税): progressive rate from 5% to 45%, plus a 2.1% reconstruction surtax (復興特別所得税).
  3. Resident tax (住民税): flat 10% (4% prefecture + 6% municipality) plus a fixed annual fee of about ¥5,000.
  4. Employment income deduction (給与所得控除): automatically deducted before taxes are calculated. For 2026 the floor is ¥740,000 and the formula varies by salary band.

This calculator assumes single, no dependents, regular employee (協会けんぽ + 厚生年金). If you have a dependent spouse, children, a mortgage, life insurance, or you're self-employed, your real figures will differ.

2026 changes: the basic deduction floor rose to ¥1.04M (from ¥950k in 2025) for incomes up to ¥6.55M, which slightly reduces income tax for most. The national health-insurance average dropped from 10.00% to 9.90%.

This tool provides an estimate for informational purposes. For your exact figure, check your payslip or consult a 税理士 (tax accountant). Official sources: NTA, 全国健康保険協会, Japan Pension Service.