Employer social insurance
Health insurance and Employees’ Pension contributions apply when conditions such as 20 weekly hours are met.
Rules from October 2026
Japan Part-Time Take-Home Pay Calculator
Estimate annual pay, tax, insurance, dependent coverage and take-home income from hourly wage and weekly hours.
2026 tax rules
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Income tax uses 2026 rules; resident tax and insurance are annual estimates under standard assumptions
Estimated Take-Home Pay¥1,064,872
Take-home rate 85.3%
Part-time pay and work conditions
Uses rules from Oct. 1, 2026 · ¥88,000 monthly wage test removed
Coverage is screened from weekly hours, expected employment and employer size.
Income and work conditions are annualized using coverage rules from October 2026. This may differ from actual cash received from January through December 2026.
Automatic coverage screening
Likely covered by the employer’s health insurance and Employees’ Pension
Employment insurance: likely covered
Coverage used in this estimateEmployer health insurance / Employees’ PensionFinal eligibility is determined by the employer, insurer and Japan Pension Service.
If left blank, the estimate uses age 30.
This is usually enough for an estimate. If you are in a health-insurance society, adjust it in detailed settings.
Results update as you edit. Use the button to save this calculation and recalculate.
Calculation details
Insurance accuracy: Uses the prefectural rate; standard monthly remuneration and bonus frequency may change the result.
Indicative range: ¥175,802-¥190,453
Indicative range: ¥175,802-¥190,453
Income Tax
¥0
Monthly Avg.: ¥0
Reconstruction Tax
¥0
Monthly Avg.: ¥0
Resident Tax
¥0
Monthly Avg.: ¥0
Social Insurance / NHI & Pension
¥183,128
Monthly Avg.: ¥15,261
Child and Family Support Contribution
¥1,076
Monthly Avg.: ¥90
Included in the social insurance total
Social insurance breakdown
Health insurance
¥61,464Monthly Avg.: ¥5,122
Care insurance
¥0Monthly Avg.: ¥0
Employee pension
¥114,192Monthly Avg.: ¥9,516
Employment insurance
¥6,396Monthly Avg.: ¥533
National health insurance
¥0Monthly Avg.: ¥0
National pension
¥0Monthly Avg.: ¥0
Child and family support
¥1,076Monthly Avg.: ¥90
Furusato Nozei Limit (Est.)
¥0
Compare scenarios
Current
¥1,064,872Alternative
¥1,833,607Take-home difference: ¥768,735
For part-time work from October 2026
See annual pay, insurance and take-home income from an hourly wage
Convert hourly wage and contracted weekly hours to annual income, then account for employer insurance, employment insurance, dependent coverage, National Health Insurance and National Pension.
The ¥88,000 monthly wage test is not used from October 2026
Short-hours coverage is screened using weekly hours, employment expected beyond two months, student status and employer size. A separate route applies at three-quarters of regular employees’ hours and days.
Take-home examples by wage and hours
| Conditions | Annualized pay | Coverage | Estimated annual take-home |
|---|---|---|---|
| ¥1,200/hour · 15 hours/week | ¥936,000 | Spouse dependent | ¥936,000 |
| ¥1,200/hour · 20 hours/week | ¥1,248,000 | Employer social insurance | ¥1,064,872 |
| ¥1,500/hour · 25 hours/week | ¥1,950,000 | Employer social insurance | ¥1,609,564 |
Shared assumptions: age 30, Tokyo, no bonus, 12 months of employment, annualized using coverage rules from October 2026. The 15-hour example uses an employer with 5 enrolled employees and spouse-dependent coverage; the 20-hour-or-more examples use an employer with 100 enrolled employees.
Three separate decisions that change part-time take-home pay
Dependent coverage
Without employer coverage, projected annual income and family relationship determine dependent or national coverage.
Tax
Income and resident tax use employment-income and basic deductions, separately from insurance eligibility.
Frequently asked questions
Does earning over ¥1.06m always mean joining social insurance?
No. From October 2026 the ¥88,000 monthly wage test is removed, so ¥1.06m alone is not the decision. Weekly hours, expected employment, student status and employer size still matter.
Do part-time and regular employees pay the same premiums?
They use the same rate framework when enrolled through the employer, but the contribution base follows pay. Dependent or national coverage has a different cost structure.
ALL CALCULATORS
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Check take-home pay, social insurance, pension, and household budgeting in one place.
01Take-home & taxEstimate tax, social insurance, and take-home pay from income02PensionCompare claim ages, employee pension, and after-tax income03Social insuranceReview employee health, care, and pension contributions04Bonus take-homeCalculate bonus pay after insurance and withholding tax05Furusato NozeiEstimate the donation limit above the JPY 2,000 self-pay06RentCheck sustainable rent and move-in costs from take-home pay07Household budgetReview monthly cash flow, savings rate, and next actions