Pension lump-sum withdrawal calculator

If you are not a Japanese national and leave Japan after paying into the Japanese pension for at least 6 months, you can claim a lump-sum withdrawal payment (脱退一時金, dattai ichijikin) within 2 years of leaving. Rates last checked 6 October 2026.

Your numbers stay on your device. Nothing you enter is sent to us or saved anywhere, and it is gone when you close the page. You can download your result as a PDF, made on your device (English only).

Which pension did you pay into?

Employees' Pension (kōsei nenkin — through an employer) National Pension only (kokumin nenkin — self-paid)

Months of coverage Months you paid in (or were exempt as allowed). Only up to 60 months count.

Average standard remuneration (yen per month) Roughly your average monthly pay (from your standard monthly remuneration grade) plus bonuses spread over the months. Your Nenkin Net record or "nenkin teiki binsen" shows the exact figures.

Private by design: your numbers stay on this device. They are never sent to us or saved anywhere, and they are gone when you close the page. The PDF is also made on your device. It is in English; Japanese characters (such as 東京都) are left out.

The official formula

Employees' Pension: average standard remuneration × payment rate. Payment rate = pension rate (18.3%) × ½ × number of months used (6, 12, … up to 60), rounded to one decimal: 0.5, 1.1, 1.6, 2.2, 2.7, 3.3, 3.8, 4.4, 4.9, 5.5.
National Pension: monthly premium in the fiscal year of your last payment × ½ × months used. For FY2026 the maximum is ¥17,920 × ½ × 60 = ¥537,600.
Cap: up to 60 months (5 years) count, for people whose last coverage month is April 2021 or later.
Tax: 20.42% income tax is withheld from the Employees' Pension lump-sum (not from the National Pension one). You can apply for a refund by filing a tax return choosing retirement-income taxation; usually you appoint a tax representative (nōzei kanrinin) before leaving Japan.

Planned change (not yet in force): the 2025 pension reform law plans to raise the cap from 5 years to 8 years and to stop payments while a re-entry permit is still valid. The Ministry of Health, Labour and Welfare says this will take effect within 4 years of the law's promulgation (June 2025); the date has not been set. This calculator uses the current 5-year cap.

Guides

How much is the Japan pension refund? 2026 tables and examples
How to get back the 20.42% tax, step by step (one step must be done before you leave Japan)

Full formulas and sources: Method & sources.