Take-Home Pay Calculator
Calculate net take-home pay from gross salary. Auto-calculates income tax, resident tax, and social insurance. Covers the 1.03M and 1.5M yen income thresholds.
Monthly Breakdown
Deduction Breakdown
Salary Comparison
About Salary Calculator
Calculates estimated take-home pay by subtracting social insurance, income tax, and resident tax from gross annual income.
Health Insurance: Calculated using 2024 Tokyo rates (Kyokai Kenpo). Rates differ for union health insurance.
Pension: 9.15% of standard monthly salary (employee share). Grade cap applies.
Employment Insurance: 0.6% for general industry (2024, employee share).
Income Tax: Progressive 7-bracket system + 2.1% reconstruction tax.
Resident Tax: 10% of taxable income + 5,000 yen flat rate (standard).
* Actual take-home varies by health insurance union, region, and other deductions. Use as a guideline only.
📖How to Use
- 1Enter your gross annual salary. Switch to "monthly mode" if you know your monthly pay
- 2Set bonus amount and frequency for more accurate monthly estimates
- 3Configure deduction conditions: dependents, spouse income, etc.
- 4View net take-home pay, social insurance, income tax, and resident tax breakdown
💡Tips & Knowledge
- •Useful for comparing job offers by understanding actual take-home pay. A ¥4M annual salary typically results in ¥3.1–3.2M net
- •The 1.03M / 1.3M / 1.5M yen income walls affect part-time workers' tax and social insurance obligations
- •Social insurance (health + pension + employment) typically takes ~15–16% of monthly salary
- •Resident tax is based on the previous year's income, so it continues even after income drops