Calculators / Salary after tax / Japan
Japan salary after tax calculator
Work out your take-home pay in Japan: income tax, resident tax and social insurance.
Your take-home pay
¥327,700 a month
¥3,932,400 a year, from ¥5,000,000 before tax
- Total deductions
- ¥1,067,600
- Share of pay deducted
- 21.4%
- Deducted from your next ¥100,000
- 24.5%
| Item | Per year | Per month |
|---|---|---|
| Salary before tax | ¥5,000,000 | ¥416,667 |
| Income tax (incl. reconstruction surtax) | −¥91,100 | −¥7,592 |
| Resident taxCharged the following year, from June | −¥242,000 | −¥20,167 |
| Health insuranceKyokai Kenpo, including the child-support levy | −¥252,000 | −¥21,000 |
| Employees' pension | −¥457,500 | −¥38,125 |
| Employment insurance | −¥25,000 | −¥2,083 |
| Take-home pay | ¥3,932,400 | ¥327,700 |
Take-home pay at common salaries
Single employee, Tokyo, tax year 2026.
| Salary before tax, a year | Take-home pay, a year | Take-home pay, a month | Share deducted |
|---|---|---|---|
| ¥2,500,000 | ¥2,029,750 | ¥169,146 | 18.8% |
| ¥3,750,000 | ¥2,989,325 | ¥249,110 | 20.3% |
| ¥5,000,000 | ¥3,932,400 | ¥327,700 | 21.4% |
| ¥7,500,000 | ¥5,628,550 | ¥469,046 | 25% |
| ¥10,000,000 | ¥7,272,800 | ¥606,067 | 27.3% |
| ¥15,000,000 | ¥10,246,100 | ¥853,842 | 31.7% |
Is it enough to live on?
What one person renting in the centre spends in a month, and the salary before tax that just covers it, with nothing left to save.
| City | Monthly costs | Salary needed, a year | |
|---|---|---|---|
| TokyoTokyo | ¥311,979 | ¥4,750,030 | Moving cost |
| OsakaOsaka | ¥248,625 | ¥3,748,153 | Moving cost |
| KyotoKyoto | ¥240,730 | ¥3,617,370 | Moving cost |
| FukuokaFukuoka | ¥216,801 | ¥3,247,964 | Moving cost |
Living costs come from prices people report on this site. How they're calculated
How it's calculated
Included
- National income tax with the 2026 basic deduction and employment income deduction, plus the 2.1% reconstruction surtax
- Resident tax (10% plus the per-capita levy)
- Health insurance at Kyokai Kenpo rates for the prefecture, the child-support levy, employees' pension and employment insurance
Not included
- Bonuses (salary assumed to be paid evenly each month)
- Spouse and dependant deductions
- Furusato nozei and other deductions
Rates used
National income tax, 2026
| Taxable income | Rate |
|---|---|
| Up to ¥1,950,000 | 5% |
| ¥1,950,000 to ¥3,300,000 | 10% |
| ¥3,300,000 to ¥6,950,000 | 20% |
| ¥6,950,000 to ¥9,000,000 | 23% |
| ¥9,000,000 to ¥18,000,000 | 33% |
| ¥18,000,000 to ¥40,000,000 | 40% |
| Over ¥40,000,000 | 45% |
A 2.1% reconstruction surtax is added to the income tax.
Deductions from salary, 2026
| Deduction | Amount |
|---|---|
| Employment income deduction, salary up to ¥2,200,000 | ¥740,000 (or the whole salary if less) |
| Salary ¥2,200,001 to ¥3,600,000 | 30% + ¥80,000 |
| Salary ¥3,600,001 to ¥6,600,000 | 20% + ¥440,000 |
| Salary ¥6,600,001 to ¥8,500,000 | 10% + ¥1,100,000 |
| Salary over ¥8,500,000 | ¥1,950,000 |
| Basic deduction, income up to ¥4,890,000 | ¥1,040,000 |
| Basic deduction, income ¥4,890,001 to ¥6,550,000 | ¥670,000 |
| Basic deduction, income ¥6,550,001 to ¥23,500,000 | ¥620,000 |
Social insurance contributions are also deducted in full.
Resident tax
| Part | Amount |
|---|---|
| Income levy | 10% of taxable income |
| Per-capita levy | ¥5,000 a year |
| Basic deduction | ¥430,000 |
Resident tax is charged on the previous year's income, from June of the following year. The minimum employment income deduction for resident tax is ¥650,000.
Employee social insurance, from April 2026
| Contribution | Employee pays |
|---|---|
| Health insurance, Tokyo | 4.925% (half of 9.85%) |
| Health insurance, Osaka | 5.065% (half of 10.13%) |
| Health insurance, Kyoto | 4.945% (half of 9.89%) |
| Health insurance, Fukuoka | 5.055% (half of 10.11%) |
| Child and childcare support levy | 0.115% (half of 0.23%) |
| Nursing care insurance, age 40 to 64 | 0.81% (half of 1.62%) |
| Employees' pension insurance | 9.15% of pay up to ¥650,000 a month |
| Employment insurance | 0.5% |
Health insurance rates are Kyokai Kenpo's. Company health insurance societies may charge less.
Sources and tax year
Tax year: 2026. Rates last checked on 19 October 2026. Income tax runs on the calendar year. Health insurance rates change each March or April, resident tax each June.
- Ministry of Finance: 2026 tax reform (basic deduction and employment income deduction)
- Kyokai Kenpo: FY2026 health insurance rates by prefecture
- FY2026 employment insurance rates
Questions
How much is ¥5,000,000 after tax in Japan?
With 2026 rates, a salary of ¥5,000,000 a year gives take-home pay of about ¥3,932,400 a year, or ¥327,700 a month, for a single employee in Tokyo. That is after income tax (incl. reconstruction surtax), resident tax, health insurance, employees' pension, employment insurance.
Which tax year does this calculator use?
2026. We last checked every rate on this page against the sources listed below on 19 October 2026. Income tax runs on the calendar year. Health insurance rates change each March or April, resident tax each June.
What does the calculator leave out?
Bonuses (salary assumed to be paid evenly each month). Spouse and dependant deductions. Furusato nozei and other deductions. It assumes one employee, single, tax resident, with salary as the only income.
Why is resident tax shown in my first year?
Resident tax is charged on the previous year's income, from June. In your first year in Japan you usually don't pay it, but from the second year you will. The calculator shows the amount due on this salary.
Why can take-home pay fall slightly when salary rises?
From 2026 the basic deduction falls in steps: ¥1,040,000 up to ¥4,890,000 of income, then ¥670,000, then ¥620,000. Just above a step, extra tax can be larger than the pay rise.
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