Medical Expense Deduction Calculator (Japan)

Overview

Estimate the Japanese medical expense deduction (医療費控除) from the year's medical bills, insurance reimbursements, and total income. The result includes the deduction amount, an approximate income tax refund based on your marginal rate, and the associated resident tax reduction. Everything runs in your browser; no financial data is uploaded.

How to use

1. Enter the family's total qualifying medical expenses for the calendar year in yen.
2. Enter reimbursements from private insurance or high-cost medical care systems.
3. Enter your total income (源泉徴収票 の給与所得控除後の金額 など).
4. Pick your applicable income tax bracket.
5. Read the deduction amount and estimated tax benefit.

Examples

• Standard employee household

  Input: Medical expenses ¥250,000, no reimbursement, income ¥5,000,000, 20% bracket.

  Output: Deduction ¥150,000, income tax refund ~¥30,000, resident tax reduction ~¥15,000.

• Low-income household (5% threshold)

  Input: Medical expenses ¥120,000, income ¥1,000,000, 5% bracket.

  Output: Threshold drops to ¥50,000 (5% of income) so deduction is ¥70,000.

Notes

• The threshold is min(100,000 yen, 5% of total income).
• Deduction is capped at 2,000,000 yen per year.
• This tool does not model the セルフメディケーション税制 alternative.
• Confirm your actual refund with the NTA online tools or a tax accountant.

FAQ

Whose medical expenses can I include?

You can include qualifying medical expenses paid for anyone you support financially in the same household.

What counts as insurance reimbursement?

Payouts tied directly to specific treatments, such as hospitalisation insurance, high-cost care refunds (高額療養費), and injury settlements.

Is my data sent anywhere?

No. Calculations run locally in your browser and nothing is uploaded.

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