2026 REPORT
2026 take-home pay by annual income
Compare annual take-home pay from JPY 2m to 20m in JPY 500k steps, with monthly average, rate, tax, and social insurance. Every row links to a detail page.
Inputs
Enter income, bonus, and dependent conditions for a personal estimate.
Calculate your take-home payKey take-home pay answers
At annual income JPY 3,000,000, take-home is ¥2,412,424 per year, ¥201,035 per month (80.4% retained).
At annual income JPY 5,000,000, take-home is ¥3,930,538 per year, ¥327,545 per month (78.6% retained).
At annual income JPY 8,000,000, take-home is ¥5,951,727 per year, ¥495,977 per month (74.4% retained).
At annual income JPY 10,000,000, take-home is ¥7,271,618 per year, ¥605,968 per month (72.7% retained).
How much take-home pay remains from a JPY 1m raise?
Each comparison uses the shared 2026 calculator engine with Tokyo, age 30, and no dependents.
| Annual income | Gross increase | Take-home increase | Tax + insurance | Retained |
|---|---|---|---|---|
| Annual income JPY 6,000,000 → Annual income JPY 7,000,000 | ¥1,000,000 | ¥654,807 | ¥345,193 | 65.5% |
| Annual income JPY 7,000,000 → Annual income JPY 8,000,000 | ¥1,000,000 | ¥636,719 | ¥363,281 | 63.7% |
| Annual income JPY 8,000,000 → Annual income JPY 9,000,000 | ¥1,000,000 | ¥662,294 | ¥337,706 | 66.2% |
| Annual income JPY 9,000,000 → Annual income JPY 10,000,000 | ¥1,000,000 | ¥657,597 | ¥342,403 | 65.8% |
Comparison by annual income
| Annual income | Annual take-home | Monthly average | Take-home rate | Income tax | Resident tax | Social insurance |
|---|---|---|---|---|---|---|
| Annual income JPY 2,000,000 | ¥1,647,925 | ¥137,327 | 82.4% | ¥0 | ¥58,600 | ¥293,475 |
| Annual income JPY 2,500,000 | ¥2,027,482 | ¥168,957 | 81.1% | ¥13,375 | ¥92,300 | ¥366,843 |
| Annual income JPY 3,000,000 | ¥2,412,424 | ¥201,035 | 80.4% | ¥27,464 | ¥119,900 | ¥440,212 |
| Annual income JPY 3,500,000 | ¥2,797,164 | ¥233,097 | 79.9% | ¥41,656 | ¥147,600 | ¥513,580 |
| Annual income JPY 4,000,000 | ¥3,175,962 | ¥264,664 | 79.4% | ¥57,788 | ¥179,300 | ¥586,950 |
| Annual income JPY 4,500,000 | ¥3,553,352 | ¥296,113 | 79% | ¥74,430 | ¥211,900 | ¥660,318 |
| Annual income JPY 5,000,000 | ¥3,930,538 | ¥327,545 | 78.6% | ¥91,175 | ¥244,600 | ¥733,687 |
| Annual income JPY 5,500,000 | ¥4,299,658 | ¥358,305 | 78.2% | ¥116,087 | ¥277,200 | ¥807,055 |
| Annual income JPY 6,000,000 | ¥4,660,201 | ¥388,350 | 77.7% | ¥149,474 | ¥309,900 | ¥880,425 |
| Annual income JPY 6,500,000 | ¥5,020,746 | ¥418,396 | 77.2% | ¥182,861 | ¥342,600 | ¥953,793 |
| Annual income JPY 7,000,000 | ¥5,315,008 | ¥442,917 | 75.9% | ¥278,630 | ¥379,200 | ¥1,027,162 |
| Annual income JPY 7,500,000 | ¥5,626,956 | ¥468,913 | 75% | ¥355,614 | ¥416,900 | ¥1,100,530 |
| Annual income JPY 8,000,000 | ¥5,951,727 | ¥495,977 | 74.4% | ¥436,273 | ¥456,400 | ¥1,155,600 |
| Annual income JPY 8,500,000 | ¥6,295,737 | ¥524,645 | 74.1% | ¥522,445 | ¥498,600 | ¥1,183,218 |
| Annual income JPY 9,000,000 | ¥6,614,021 | ¥551,168 | 73.5% | ¥629,242 | ¥545,900 | ¥1,210,837 |
| Annual income JPY 9,500,000 | ¥6,942,821 | ¥578,568 | 73.1% | ¥725,624 | ¥593,100 | ¥1,238,455 |
| Annual income JPY 10,000,000 | ¥7,271,618 | ¥605,968 | 72.7% | ¥822,007 | ¥640,300 | ¥1,266,075 |
| Annual income JPY 10,500,000 | ¥7,600,114 | ¥633,343 | 72.4% | ¥918,593 | ¥687,600 | ¥1,293,693 |
| Annual income JPY 11,000,000 | ¥7,924,114 | ¥660,343 | 72% | ¥1,019,774 | ¥734,800 | ¥1,321,312 |
| Annual income JPY 11,500,000 | ¥8,238,111 | ¥686,509 | 71.6% | ¥1,130,859 | ¥782,100 | ¥1,348,930 |
| Annual income JPY 12,000,000 | ¥8,552,512 | ¥712,709 | 71.3% | ¥1,241,638 | ¥829,300 | ¥1,376,550 |
| Annual income JPY 12,500,000 | ¥8,866,814 | ¥738,901 | 70.9% | ¥1,352,518 | ¥876,500 | ¥1,404,168 |
| Annual income JPY 13,000,000 | ¥9,180,810 | ¥765,068 | 70.6% | ¥1,463,603 | ¥923,800 | ¥1,431,787 |
| Annual income JPY 13,500,000 | ¥9,447,124 | ¥787,260 | 70% | ¥1,622,471 | ¥971,000 | ¥1,459,405 |
| Annual income JPY 14,000,000 | ¥9,713,335 | ¥809,445 | 69.4% | ¥1,781,440 | ¥1,018,200 | ¥1,487,025 |
| Annual income JPY 14,500,000 | ¥9,979,039 | ¥831,587 | 68.8% | ¥1,940,818 | ¥1,065,500 | ¥1,514,643 |
| Annual income JPY 15,000,000 | ¥10,245,148 | ¥853,762 | 68.3% | ¥2,099,890 | ¥1,112,700 | ¥1,542,262 |
| Annual income JPY 15,500,000 | ¥10,510,852 | ¥875,904 | 67.8% | ¥2,259,268 | ¥1,160,000 | ¥1,569,880 |
| Annual income JPY 16,000,000 | ¥10,777,062 | ¥898,089 | 67.4% | ¥2,418,238 | ¥1,207,200 | ¥1,597,500 |
| Annual income JPY 16,500,000 | ¥11,043,172 | ¥920,264 | 66.9% | ¥2,577,310 | ¥1,254,400 | ¥1,625,118 |
| Annual income JPY 17,000,000 | ¥11,315,130 | ¥942,928 | 66.6% | ¥2,740,057 | ¥1,302,700 | ¥1,642,113 |
| Annual income JPY 17,500,000 | ¥11,595,017 | ¥966,251 | 66.3% | ¥2,907,808 | ¥1,352,500 | ¥1,644,675 |
| Annual income JPY 18,000,000 | ¥11,875,310 | ¥989,609 | 66% | ¥3,075,252 | ¥1,402,200 | ¥1,647,238 |
| Annual income JPY 18,500,000 | ¥12,155,096 | ¥1,012,925 | 65.7% | ¥3,243,104 | ¥1,452,000 | ¥1,649,800 |
| Annual income JPY 19,000,000 | ¥12,435,389 | ¥1,036,282 | 65.4% | ¥3,410,548 | ¥1,501,700 | ¥1,652,363 |
| Annual income JPY 19,500,000 | ¥12,715,277 | ¥1,059,606 | 65.2% | ¥3,578,298 | ¥1,551,500 | ¥1,654,925 |
| Annual income JPY 20,000,000 | ¥12,995,570 | ¥1,082,964 | 65% | ¥3,745,742 | ¥1,601,200 | ¥1,657,488 |
The table and CSV are generated at build time from the same shared 2026 calculator engine.
Sources and version
Rules checked: 31 August 2026 · Calculator logic updated: 4 September 2026 · Page updated: 4 September 2026 · Rule version: 2026.1 · nta-income-tax-178, mhlw-part-time-social-insurance, cfa-child-support-contribution-2026
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