Annual Net Income Calculator (Japan)
Estimate Japanese take-home pay from gross salary after social insurance, income tax, and resident tax with dependent options.
賞与を含む総支給額。源泉徴収票の「支払金額」。
40〜64 歳は介護保険料が加算されます。
配偶者を除く。0〜10 の範囲で入力してください。
額面年収と年齢を入力して「手取りを計算」を押してください。
本ツールは協会けんぽ・厚生年金の平均料率、標準的な控除に基づく概算です。実際の税額・保険料は住所地の自治体・加入健康保険組合・年末調整書類等によって変わります。iDeCo、生命保険料控除、住宅ローン控除など個別控除は反映していません。
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Overview
Estimate Japanese take-home pay for salaried employees. From your gross annual salary, age, dependents, and spouse status the tool subtracts health insurance, pension, employment insurance, income tax (with the recovery surtax) and resident tax to show approximate net annual and monthly income.
How to use
- Enter your gross annual salary (including bonuses).
- Enter your age. Ages 40–64 automatically add the long-term care insurance premium.
- Enter the number of dependents aged 16 or over (excluding spouse).
- Tick the spouse deduction checkbox if your spouse's income is under ¥1.03M.
- Click Calculate to see your estimated take-home pay and effective tax ratio.
Examples
-
Single 30-year-old, ¥5M gross
Input: ¥5,000,000 gross, age 30, no dependents, no spouse.
Output: Net around ¥3.9M/year (≈ ¥325k/month), take-home ratio ~78%.
-
45-year-old with spouse and 2 dependents, ¥8M gross
Input: ¥8,000,000 gross, age 45, 2 dependents, spouse deduction on.
Output: Net around ¥6.1M/year, boosted by long-term care premium (age 40+) but reduced income tax thanks to family deductions.
Notes
- Social insurance rates approximate 協会けんぽ 東京都 (2026) baseline; actual rates vary slightly by prefecture and health insurance union.
- Uses the 2020+ 給与所得控除 table and the 2026 income tax brackets with the 2.1% recovery surtax.
- Special deductions (iDeCo, life insurance premium, medical expense, housing loan credit) are not modelled.
- The 所得金額調整控除 (relevant above ¥8.5M with children under 23 or a disabled dependent) is intentionally omitted for clarity.
FAQ
- Does this include bonuses?
- Yes — enter the total gross paid across the year (salary + all bonuses). Social insurance is approximated on the total; the real system uses 標準報酬 tables.
- Why does the ratio drop as income grows?
- Progressive income tax and resident tax push effective rates higher, and the 給与所得控除 caps at ¥1.95M above ¥8.5M gross.
- Can I use this for freelance income?
- No. This assumes salaried employment (会社員). Freelancers should model 事業所得 with their own expense deductions.
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