Japan Tax CalculatorWhere your salarygoes.
一円まで、正直に。 — honest to the last yen
State your income.
Professional estimation of income tax, resident tax, and social insurance contributions.
Income Profile
¥416,667/month
Affects resident tax (delayed 1 year)
Age 40-64 (介護保険料)
個人事業主? — switch to to unlock blue return, revenue & consumption tax options.
Every station takes its cut.
Departure — gross pay
¥5,000,000
FIRST STOP
健康保険 Health Insurance
−¥247,749
remaining ¥4,752,251
SECOND STOP
厚生年金 Pension
−¥457,500
remaining ¥4,294,751
THIRD STOP
雇用保険 Employment Insurance
−¥27,500
remaining ¥4,267,251
FOURTH STOP
所得税 Income Tax
−¥189,089
remaining ¥4,078,162
FIFTH STOP
住民税 Resident Tax
−¥244,700
remaining ¥3,833,462
Last stop — take-home
手取り Take-home
¥3,833,462
実効税率23.3%Effective rate
The payslip, itemized
給与明細書
Statement of income & tax — FY2026 (令和8年)
Employee · 会社員
Where it goes · 内訳
Net Income · 手取り
¥3,833,462
¥319,455/mo
Effective Rate · 実効税率
23.3%
Total tax ¥1,166,538
| Item · 項目 | Annual · 年額 | |
|---|---|---|
| Gross Income | ¥5,000,000 | |
| Employment Income Deduction | ¥1,440,000(-) | |
| Basic Deduction | ¥0 | |
| Taxable Income | ¥2,827,000 | |
| Income Tax | ¥185,200 | |
| Reconstruction Tax | ¥3,889 | |
| Resident Tax | ¥244,700 | |
| Income-based | ¥239,700 | |
| Per capita | ¥5,000 | |
| Social Insurance | ¥732,749 | |
| Health Insurance | ¥247,749 | |
| Pension | ¥457,500 | |
| Unemployment Insurance | ¥27,500 | |
| Total Tax & Insurance | ¥1,166,538 | |
| Net Income | ¥3,833,462 | |
| Effective Tax Rate | 23.3% | |
一円まで、正直に。
japantaxcalculator.jp
03 · The Pond — 池
Your taxes, swimming
Every fish is a slice of your ¥5,000,000 — the gold one is yours.
04 · The Platform
Where you stand
Sixty commuters on the evening platform — every one of them a salary. Here is where yours puts you among all earners in Japan.
Top 35%
of earners in Japan
Based on National Tax Agency 民間給与実態統計調査 (2023). Distribution includes all employed workers in Japan.
The city clocks out —
your taxes don't
05 · The World
International TaxComparison
The same gross salary, boarding for eight destinations. Which passport keeps the most of it?
Departures · 世界比較
Compare countries
Total tax + social insurance as % of gross income
| Country | Gross | Income Tax | Social Ins. | Eff. Rate | Net Income | PPP Net |
|---|---|---|---|---|---|---|
| 🇨🇦Canada | ¥5,000,000 | ¥818,113 | ¥353,593 | 23.4% | ¥3,828,295 | ¥2,775,886 |
| 🇯🇵Japan | ¥5,000,000 | ¥433,789 | ¥732,749 | 23.3% | ¥3,833,462 | ¥3,833,462 |
| 🇸🇬Singapore | ¥5,000,000 | ¥95,750 | ¥1,000,000 | 21.9% | ¥3,904,250 | ¥4,030,361 |
| 🇰🇷South Korea | ¥5,000,000 | ¥430,345 | ¥450,000 | 17.6% | ¥4,119,655 | ¥4,489,371 |
| 🇺🇸United States | ¥5,000,000 | ¥426,625 | ¥382,500 | 16.2% | ¥4,190,875 | ¥2,607,283 |
| 🇬🇧United Kingdom | ¥5,000,000 | ¥522,340 | ¥208,936 | 14.6% | ¥4,268,724 | ¥3,129,280 |
| 🇦🇺Australia | ¥5,000,000 | ¥697,224 | ¥0 | 13.9% | ¥4,302,776 | ¥2,865,242 |
| 🇹🇼Taiwan | ¥5,000,000 | ¥154,346 | ¥495,000 | 13.0% | ¥4,350,654 | ¥6,398,787 |
Comparison uses simplified employee tax calculations (single filer, no dependents, standard deductions). PPP uses OECD/IMF 2024 conversion factors — "PPP Net" shows how many ¥ you'd need in Japan to match the same purchasing power. Japan figures use the detailed calculator above.
06 · The Fine Print
How it's computed
The full reference — every bracket, premium, and deduction the calculator applies, in plain language.
Tax Guide
Learn how taxes work in Japan
Japan's tax system consists of several layers. As a resident, you are subject to national income tax, a reconstruction surtax (supporting recovery from the 2011 earthquake), resident tax (prefectural and municipal), and social insurance premiums.
The fiscal year for individual taxes runs from January 1 to December 31. Employees have taxes withheld at source, while self-employed individuals must file a final tax return (確定申告) between February 16 and March 15 of the following year.
Income tax uses a progressive bracket system with rates from 5% to 45%. Resident tax is a flat 10% (plus a per-capita levy of approximately ¥5,000).
The tax treatment differs significantly depending on your employment status:
| Category | Employee (給与所得者) | Self-Employed (個人事業主) |
|---|---|---|
| Income Deduction | Employment income deduction (automatic) | Business expenses (actual or blue return) |
| Social Insurance | Shakai Hoken (company shares half) | National Health Insurance + National Pension (full amount) |
| Business Tax | N/A | 3-5% on income above ¥2.9M |
| Tax Filing | Year-end adjustment by employer | Self-filing required (確定申告) |
| Consumption Tax | N/A | Required if registered for Invoice System or revenue above ¥10M |
The Blue Return (青色申告) system allows self-employed individuals to claim special deductions in exchange for maintaining proper bookkeeping. There are three tiers:
- e-Filing with double-entry bookkeeping (¥650,000): The highest deduction. Requires submitting your return electronically and maintaining full double-entry books.
- Standard double-entry (¥550,000): Same bookkeeping requirements, but filing on paper instead of electronically.
- Simplified bookkeeping (¥100,000): A smaller deduction for those who maintain simpler records.
You must apply for Blue Return status by March 15 of the fiscal year (or within 2 months of starting your business if new). The application form is available from the NTA.
Japan has two main social insurance systems:
- Shakai Hoken (社会保険): For employees. Includes health insurance (健康保険) and employees' pension (厚生年金). Premiums are split roughly 50/50 with your employer. Also includes employment insurance (雇用保険).
- National Health Insurance + National Pension: For self-employed, freelancers, and those not covered by Shakai Hoken. NHI premiums vary by municipality and are based on income. National Pension is a flat monthly amount (¥16,980/month in FY2026).
All social insurance premiums are fully deductible from your taxable income.
Those aged 40-64 also pay a long-term care insurance premium (介護保険料) added to their health insurance.
- Furusato Nozei (ふるさと納税): Donate to local governments in exchange for gifts and a tax credit. Effectively, you redirect part of your resident tax while receiving local products. Learn more
- Medical Expense Deduction (医療費控除): Deduct medical expenses exceeding ¥100,000 (or 5% of income if lower). Includes dental, prescription costs, and transportation to hospitals.
- Mortgage Deduction (住宅ローン控除): A tax credit of up to 0.7% of your outstanding mortgage balance for up to 13 years on a new home. NTA details
- iDeCo (個人型確定拠出年金): Contributions to Japan's individual defined contribution pension are fully deductible. Employees can contribute up to ¥23,000/month; self-employed up to ¥68,000/month. Official iDeCo site
- Life/Earthquake Insurance Deductions: Premiums for life insurance and earthquake insurance policies qualify for small deductions (up to ¥50,000 and ¥50,000 respectively).
07 · Required Reading
Homework for the commute
Complete Guide to Freelancing in Japan
Essential Tax Deductions Every Taxpayer in Japan Should Know
How to File Your Tax Return Using e-Tax in Japan
Should You Hire a Tax Accountant (税理士) in Japan?
Disclaimer: Rates are for FY2026 (令和8年). This calculator provides estimates only. Actual amounts may vary based on your specific municipality, insurance premiums, and individual circumstances. Consult a tax professional (税理士) for official tax advice.