Income tax uses 2026 rules; resident tax and insurance are annual estimates under standard assumptions
Estimated Take-Home Pay¥3,930,538
Monthly average take-home¥327,545
Take-home rate 78.6%
Quick employee calculation
Annual gross salary including bonus / revenue (JPY)
0¥20,000,000
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
Annual Money Flow
Revenue / Salary (JPY)¥5,000,000
Social Insurance / NHI & Pension¥733,687
Income Tax + Resident Tax¥335,775
Estimated Take-Home Pay¥3,930,538
Tax and insurance rate
21.4%
Take-home rate
78.6%
Insurance accuracy: Uses the prefectural rate; standard monthly remuneration and bonus frequency may change the result. Indicative range: ¥704,339-¥763,034
Income Tax
¥89,300
Monthly Avg.: ¥7,442
Reconstruction Tax
¥1,875
Monthly Avg.: ¥156
Resident Tax
¥244,600
Monthly Avg.: ¥20,383
Social Insurance / NHI & Pension
¥733,687
Monthly Avg.: ¥61,141
Child and Family Support Contribution
¥4,312
Monthly Avg.: ¥359
Included in the social insurance total
Social insurance breakdown
Health insurance
¥246,250Monthly Avg.: ¥20,521
Care insurance
¥0Monthly Avg.: ¥0
Employee pension
¥457,500Monthly Avg.: ¥38,125
Employment insurance
¥25,625Monthly Avg.: ¥2,135
National health insurance
¥0Monthly Avg.: ¥0
National pension
¥0Monthly Avg.: ¥0
Child and family support
¥4,312Monthly Avg.: ¥359
Furusato Nozei Limit (Est.)
¥45,253
SALARY BENCHMARK
Salary benchmark
Choose an occupation to compare your gross annual income with full-time employees in Japan of a similar age.
2025
Your income is broadly in line with the occupation average
Compare annual take-home pay for employees and sole proprietors from monthly or annual income. The estimate covers income tax, resident tax, social insurance, National Health Insurance, National Pension, and the Child and Family Support Contribution, using 2026 deduction rules.
What the Estimate Covers
Income tax: Applies 2026 rules to the information entered
Resident tax: Estimates the following year from the same income data
Insurance & NHI: Simplifies standard remuneration and municipal differences
Can I calculate take-home pay from monthly income?＋
Yes. Monthly salary is multiplied by 12 to estimate annual taxes and insurance. To include bonuses, enter the full gross annual income and optionally specify the bonus portion in detailed settings.
Does this use the 2026 basic and employment income deductions?＋
Yes. It uses the 2026 basic deduction and the JPY 740,000 minimum employment income deduction. Resident tax is estimated separately because its year and deductions differ.
Is the Child and Family Support Contribution included?＋
Yes. Employee insurance uses the 0.23% fiscal 2026 rate, while National Health Insurance uses an official average estimate. The contribution is shown separately in the results.
Can I use the result directly for a tax return?＋
No. This is an estimate for comparison and planning. Check your withholding slip, municipal notice, and National Tax Agency guidance when filing.
