Japan salary take-home calculator
Enter a monthly gross salary and see the take-home pay after social insurance and income tax — computed the way Japanese payroll actually works: prefectural health-insurance rates, standard-remuneration grades, and the National Tax Agency's monthly withholding table.
Rates: FY2026 (Kyokai Kenpo) · Withholding table: 2026 (Reiwa 8) Validated on 18/18 official worked examples
Health premiums use the Kyokai Kenpo prefectural rates for FY2026. If you belong to a union health society, enter its rate manually. Long-term care insurance is added automatically for ages 40-64.
| Gross salary | ¥340,000 |
| Health insurance standard remuneration grade 24, ¥340,000 · rate 9.85% (incl. long-term care where it applies) | −¥16,745 |
| Child & child-rearing levy | −¥391 |
| Employees’ pension standard remuneration grade 21, ¥340,000 | −¥31,110 |
| Employment insurance | −¥1,700 |
| Social insurance total | −¥49,946 |
| Income tax (withheld) Monthly withholding table, 2026 (Reiwa 8) | −¥7,610 |
| Resident tax | −¥0 |
| Take-home pay | ¥282,444 |
How the calculation works
The detail most English calculators get wrong: social insurance is not a flat percentage of your salary. Premiums are charged on a standard monthly remuneration grade — a salary of ¥355,000 is billed as the ¥360,000 grade. Health rates also vary by prefecture (FY2026: 9.21% in Niigata to 10.55% in Saga), long-term care insurance (1.62%) applies at ages 40–64, and a child & child-rearing levy (0.23%) was added in April 2026. This calculator implements the official grade table, the official rounding rule (fractions of the employee half-share of ¥0.50 or less are truncated), and the full NTA withholding table — all 231 bands, the high-income formula bands, and the deduction for more than 7 dependents.
Checked against official examples
| Tokyo, age 35, no dependents, ¥340,000/month | net ¥282,444 |
| Tokyo, age 45 (care insurance), 2 dependents, ¥360,000 | net ¥299,380 |
| Osaka, age 30, ¥355,000 (billed at the ¥360,000 grade) | net ¥293,707 |
| Otsu-ran (no withholding form), Tokyo, ¥340,000 | net ¥240,054 (¥50,000 income tax alone) |
The full validation set — inputs, official expected values, and this engine's outputs — is published on the validation & sources page.
Take-home pay by prefecture
Health rates are set per prefecture, so the same salary nets differently across Japan. Each prefecture page shows that rate and a worked example.