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JP • 2026 salary planningLocal only
Tool #598 · 2026 rules

Japan Net Salary Calculator

Plan Japanese take-home pay with the 2026 salary-income and basic-deduction reforms, national tax, reconstruction surtax, social insurance, resident-tax planning, bonuses and employer cost.

Your compensation

Annual planning for a standard employee covered by Employees' Pension and employee health insurance.
Taxable planning value; excluded from cash take-home.
For verified spouse/dependent/life-insurance/etc. deductions not otherwise modeled.
Applied before the 2.1% reconstruction surtax.
Social insurance precision
Tokyo Kyokai Kenpo default. Replace with your prefecture/insurer rate.
0 = estimate from base salary. Main calculation only; scenarios recalculate.
Varies by industry; edit to your actual rate.
March already uses the new health/care rates, while the child-support fee and new employment-insurance rates start from April.
Resident tax planning
Standard planning default. Local surcharges can differ.

Resident tax is based primarily on the previous year's income. “Planning estimate” assumes a steady-state salary and uses a simplified 10% income levy; use the exact mode when you have your municipality's annual tax notice.

2026 rules used

Salary-income deduction: ¥740,000 through ¥2.2m; then 30%+¥80k, 20%+¥440k, 10%+¥1.1m, capped at ¥1.95m above ¥8.5m. 2026 basic deduction: ¥1.04m through ¥4.89m total income, ¥670k through ¥6.55m and ¥620k through ¥23.5m, with the statutory high-income phase-down above that. National income tax: 5%–45% progressive rates plus 2.1% reconstruction surtax.

Social insurance: pension 18.3% total split equally; health rate is insurer/prefecture-specific; care insurance 1.62% total for age 40–64 from March; child-support fee 0.23% total from April; general-business employee unemployment insurance 0.5% from April 2026.

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Reverse net-to-gross

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Your estimate

Annual liability and steady-state payroll planning — not an official withholding slip.
Estimated annual cash take-home
¥0
Monthly average¥0
Resident tax¥0
Employer cost¥0
Effective employee burden0%
National marginal band5%
Next ¥100k keeps¥0
Cash gross salary + bonus¥0
Taxable non-cash benefits¥0
Salary-income deduction− ¥0
Employee pension− ¥0
Employee health / care / support− ¥0
Employee unemployment insurance− ¥0
Basic deduction− ¥0
Taxable income for national tax¥0
Income + reconstruction tax− ¥0
Resident tax− ¥0
Post-tax deductions− ¥0
Take-home share of cash gross
Enter your salary to begin.
Social-insurance audit
Estimated / entered standard monthly remuneration¥0
Health standard-bonus total¥0
Pension standard-bonus total¥0
Employer pension + health/shared fees¥0
Employer unemployment + child contribution + workers' comp¥0

Japan bills health and pension using standard remuneration bands, not simply annual salary × rate. Enter the actual standard monthly remuneration for the strongest main-scenario estimate. Bonus bases are rounded down to ¥1,000 and statutory caps are applied.

Saved snapshots
2026 planning tool. Exact payroll can differ because standard remuneration is banded, health rates vary by insurer/prefecture, bonuses have statutory standard-bonus rules, resident tax generally follows prior-year income, family deductions vary, and withholding/rounding is payroll-period specific.