Calculate take-home pay after income tax, resident tax and social insurance. Reflects Japan's 2025 reform and FY2026 rates, with income-wall badges.
📅 An estimate based on 2025–2026 tax rules and rates. Social insurance approximates the standard monthly wage from salary; health uses the national-average kyokai-kenpo rate.
Take-home = gross − (social insurance + income tax + resident tax). Employee-side FY2026 rates: health ~4.95%, nursing care 0.81% (40+), pension 9.15%, employment 0.50%, child-care levy 0.115%. See the furusato nozei simulator and withholding tax calculator.
GUIDE
Take-Home Pay Guide (2025–2026 tax rules and income walls)
01
How take-home is calculated
Take-home is gross salary minus social insurance, income tax and resident tax — typically 75–80% of gross. This tool applies the social-insurance deduction to taxable income, so results track real payslips. A single earner on ¥4M keeps about ¥3.17M/year.
02
The 2025 reform
The basic deduction rose to up to ¥950,000 and the minimum salary deduction to ¥650,000, lowering taxable income. Income tax stays progressive (5–45%) plus a 2.1% reconstruction surtax; resident tax is ~10% plus a flat ¥5,000.
03
Income walls
The point where your own income tax starts moved from ¥1.03M to ¥1.60M. Other walls remain: ~¥1.10M (resident tax), ¥1.23M (dependent/spouse deduction), ¥1.30M (social-insurance dependent), ¥1.50M (full special spouse deduction).
Frequently asked questions
What is the take-home on a ¥4M salary?
For a single filer under 40 with no dependents, about ¥3.17M/year (≈¥264k/month, ~79%). Public calculators land in the ¥3.12–3.18M range depending on social-insurance assumptions.
Did the 2025 reform raise take-home?
Slightly. Higher basic and salary deductions lower taxable income, easing income and resident tax for low-to-middle earners.
How do the ¥1.03M and ¥1.60M walls differ?
The point where your own income tax begins moved from ¥1.03M to ¥1.60M. Other walls (resident tax ~¥1.10M, deductions ¥1.23M, social-insurance dependent ¥1.30M) still apply.
How does being 40+ change take-home?
From age 40, nursing-care insurance (0.81% employee share) is added to health insurance, reducing take-home. Selecting your age applies it automatically.