Take-home pay calculator 2026

For salaried employees covered by Kyokai Kenpo (the health insurance of most small and mid-size companies). 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).

Your pay

Annual salary (12 equal months, no bonus) Monthly salary + bonus

Annual salary (yen, before deductions) Include regular allowances. Commuting allowance is not included in this simple model.

About you

Prefecture of your employer's Kyokai Kenpo branch Usually the prefecture of the office where you work. Percent = FY2026 health insurance rate.

Age Ages 40–64 also pay nursing care insurance.

Type of business (employment insurance)

I support a spouse whose own income is low (2026: salary-only income of ¥1.36 million or less)

Other dependents aged 16 or older that you support Counted as "general" dependents (¥380,000 income tax / ¥330,000 resident tax each). Children under 16 give no deduction.

This is my first calendar year living in Japan (I was not registered in Japan on 1 January)

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.

What this includes for 2026

Health insurance: Kyokai Kenpo FY2026 rate for your prefecture (from March 2026 pay). Employee pays half.
Nursing care insurance: 1.62% (ages 40–64), half paid by you.
Child/child-rearing support levy: new, 0.23% from April 2026 pay, half paid by you. Collected together with health insurance.
Employees' Pension: 18.3%, half paid by you. Monthly standard remuneration capped at ¥650,000.
Employment insurance: employee share 5/1,000 for general businesses (1 April 2026 – 31 March 2027).
Income tax: 2026 basic deduction (¥1.04 million for income up to ¥4.89 million) and employment income deduction (minimum ¥740,000). These were enacted to take effect on 1 December 2026 and apply to the whole of 2026 income. Monthly withholding from January to November does not reflect them; the difference is settled in your December year-end adjustment (nenmatsu chōsei). We show the final 2026 tax after that adjustment.
Resident tax: 10% standard rate + ¥5,000 per-capita levy, with the 2026-income rules (levied from June 2027).

Simplifications

The FY2026 rates are applied to the whole year. In real calendar-year 2026, January–February pay used the FY2025 health rate and January–March pay had no support levy.
Monthly pay is assumed to be the same every month; your standard monthly remuneration is looked up from that pay. Commuting allowance and overtime, which also count, are not modelled.
Spouse: only the full spouse deduction (spouse income at or below the limit). The spouse special deduction for spouses earning a little more is not modelled.
Dependents: all treated as "general" dependents; specific dependents (19–22), elderly dependents (70+), disability deductions, life-insurance deductions, iDeCo, furusato nōzei, housing loan credits and the income amount adjustment deduction are not modelled.
Resident tax: uses the national standard rates and the non-taxable thresholds of large cities (e.g. Tokyo's 23 wards). Some cities charge a slightly different rate or per-capita levy (for example Nagoya and Yokohama).
Not for: health insurance societies (kenpo kumiai) other than Kyokai Kenpo, National Health Insurance, part-time workers outside social insurance, people with other income, or non-residents for tax.

Full formulas and sources: Method & sources.