Japan Take-Home Salary Calculator

Roughly 20-30% for most earners: ~15% social insurance (health ~5% employee, pension 9.15%, employment 0.6%), plus national income tax 5-45% progressive, plus 10% resident tax, plus 2.1% reconstruction surtax on national tax. Your take-home is typically 70-80% of gross.

Shakai hoken (社会保険) is the combined social insurance package: kenkō hoken (health), kōsei nenkin (employees' pension, 18.3% split 50/50 with employer), koyō hoken (employment insurance, 0.6% employee / 1.0% employer), and rōsai hoken (workers' comp, fully employer-paid). Most full-time employees at companies with 5+ staff are enrolled automatically.

Resident tax is paid one year in arrears. Year 1 in Japan = almost no resident tax (because you had no prior-year income here). Year 2 = full ~10% of year 1 income. Budget for this shock — it is the #1 surprise for new expat workers.

Gaku-men (額面) = contract face value, pre-deduction. Tedori (手取り) = cash in hand after all deductions. A ¥5M gaku-men salary typically becomes ~¥3.9M tedori annually, or ~¥320,000/month.

The calculator assumes your annual gross includes bonuses. Japanese companies typically pay 12 monthly salaries + summer + winter bonuses (often 2-4 months each). Bonuses are taxed at the same marginal rate but have separate social insurance calculation.

Nenmatsu chōsei (年末調整) is your employer's year-end adjustment — they reconcile your withheld tax against actual liability using dependents, insurance, and iDeCo data you submit by early December. Most salaried employees with only employment income do NOT need to file a separate tax return (kakutei shinkoku). File yourself if: total salary exceeds ¥20M, side income exceeds ¥200k, you have rental/capital-gains income, sell stocks outside a 特定 account, or claim medical expense / furusato nōzei beyond One-Stop Exception.