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Japan take-home pay calculator (net salary) by prefecture

Enter your gross monthly salary and see what is deducted in Japan: health insurance, pension, employment insurance, income tax and resident tax — and what actually reaches your bank. Official FY2026 rates.

• Health/pension use the standard monthly remuneration grade, so small differences from your payslip are normal.
• Resident tax is an estimate for your 2nd year onward (10% of last year's taxable income + ¥5,000). In your first year in Japan it is usually 0.
• Bonuses are taxed separately. Income tax assumes you filed the dependents form (甲欄).
• Compare with your payslip; if a deduction is very different, ask your employer.

Sources: 協会けんぽ 令和8年度 都道府県単位保険料率 (kyoukaikenpo.or.jp); 介護保険料率 1.62%; 厚生年金 18.3% (Japan Pension Service); 雇用保険 令和8年度 一般の事業 労働者負担 5/1,000 (MHLW); 所得税 国税庁 給与所得の源泉徴収税額表 令和8年分 月額表 (nta.go.jp); 標準報酬月額 協会けんぽ 保険料額表. 住民税は目安。