How much pension does a company employee earning ¥5 million a year receive?

If you were in the employees' pension from age 22 to 60 (38 years) with an average income of ¥5 million and paid the national pension from 20 to 22, the pension from age 65 is ¥157,420 per month (¥1,889,051 per year). The breakdown is ¥847,300 per year for the basic old-age pension (full amount) and about ¥1.04 million per year for the employees' old-age pension. If you work until 65 under the same conditions, it rises to ¥172,371 per month.

How much do I get from the national pension alone?

If you paid for all 40 years from 20 to 60, the FY2026 full amount is ¥847,300 per year, or ¥70,608 per month. Each unpaid year reduces it by ¥21,183 per year. If a self-employed person or freelancer pays the additional premium (¥400 per month) for 40 years, the additional pension adds ¥96,000 per year, making ¥78,608 per month.

How much does the pension increase if I delay until 70, and what is the break-even age?

It increases by 0.7% for every month you delay, so starting at 70 gives 42% more. Someone who would get ¥157,420 per month at 65 gets ¥223,537 per month at 70. Cumulative payouts catch up with claiming at 65 at about age 81 and 11 months, and if you live longer than that, delaying pays more. Delaying until 75 gives 84% more, with a break-even at about 86 years and 11 months.

How much is the pension reduced if I claim early from 60?

For people born on or after April 2, 1962, the pension is reduced by 0.4% per month, so starting at 60 gives 24% less. Someone who would get ¥157,420 per month at 65 gets ¥119,639 per month, and this amount continues for life. In cumulative terms, claiming at 65 overtakes you at about age 80 and 10 months. Early claiming also comes with restrictions, such as no longer being able to claim a disability basic pension.

How is the employees' pension calculated?

The earnings-related part of the employees' old-age pension is “average standard remuneration × 5.481/1000 × months enrolled”. The average standard remuneration is the monthly average of your pay including bonuses, with past pay revalued to today's level. For example, with an average income of ¥5 million (about ¥417,000 per month) and 38 years (456 months) of enrollment, ¥417,000 × 5.481/1000 × 456 ≒ about ¥1.04 million per year. The basic old-age pension and transitional supplement are added to this.

What is a rough pension amount by income?

For 38 years as an employee from 22 to 60, with the national pension paid for the rest of ages 20 to 60, the monthly amount from age 65 is about ¥123,000 at an average income of ¥3 million, ¥140,000 at ¥4 million, ¥157,000 at ¥5 million, ¥175,000 at ¥6 million, ¥209,000 at ¥8 million and ¥244,000 at ¥10 million. The quick-reference tab also shows amounts by years enrolled.

What is the spouse supplement (加給年金) and how much is it?

When someone with at least 20 years in the employees' pension turns 65 and has a dependent spouse under 65 (with income under ¥8.5 million, and not receiving an old-age pension based on 20 or more years of employees' pension), ¥423,700 per year (FY2026) is added until the spouse turns 65. It is not paid while you are delaying and does not increase when you delay, so people with a younger spouse may choose to claim only the employees' pension at 65.

When and how is the pension paid?

The pension is paid on the 15th of each even-numbered month (February, April, June, August, October and December), covering the previous two months at once. For someone with ¥1.89 million per year, each payment is about ¥315,000. To receive it, you must submit the pension claim form that arrives before you turn 65 (or the age you chose for early or delayed claiming).

Why does the result differ from my Nenkin Teikibin (annual pension notice)?

For people under 50, the estimate on the Nenkin Teikibin is based only on your contributions so far and does not include future enrollment. This tool assumes you keep contributing until the age you enter. Also, the actual pension is calculated by revaluing past pay, so the result varies with how you enter your average income. Check the exact amount on Nenkin Net.

How Much Pension Will I Get in Japan? Estimate Benefits and Break-Even for Delayed or Early Claiming (繰下げ・繰上げ)

Enter your birth date, the years you were enrolled in the employees' pension (厚生年金) as a company employee and your average annual income, and this tool calculates the basic old-age pension (老齢基礎年金, national pension) and the employees' old-age pension (老齢厚生年金) you receive from age 65. See what your monthly amount becomes if you start at any age from 60 to 75, and compare cumulative payouts in a graph to find the age at which delaying pays off (break-even point). It also handles unpaid or exempted periods, the additional pension (付加年金), the spouse supplement (加給年金) and the special old-age employees' pension (特別支給の老齢厚生年金), and includes a quick-reference table of income by years of enrollment.

ABOUT

About How Much Pension Will I Get in Japan? Estimate Benefits and Break-Even for Delayed or Early Claiming (繰下げ・繰上げ)

The pension amount calculator estimates the public pension you will receive in retirement from your birth date, the years you were enrolled in the employees' pension (厚生年金) as a company employee or civil servant, and your average income during that time. It adds the basic old-age pension (老齢基礎年金) paid from the national pension (the FY2026 full amount is ¥847,300 per year, ¥70,608 per month) and the employees' old-age pension (老齢厚生年金) paid from the employees' pension (average standard remuneration × 5.481/1000 × months enrolled), and shows the monthly amount, the yearly amount and the amount per bimonthly payment. Depending on the age you start between 60 and 75, you can compare the amounts and cumulative payouts for early claiming (繰上げ, 0.4% less per month) and delayed claiming (繰下げ, 0.7% more per month), and the break-even age against claiming at 65, in a graph and a table.

How to use How Much Pension Will I Get in Japan? Estimate Benefits and Break-Even for Delayed or Early Claiming (繰下げ・繰上げ)

1Enter your birth date and sex
2Choose a work-style preset (company employee, self-employed, etc.) and adjust the ages you joined and left the employees' pension
3Enter your average annual income (including bonuses) during the period you were in the employees' pension
4Choose the age you start receiving the pension (60 to 75). If you have a younger spouse, tick the spouse supplement (加給年金) box
5If you have unpaid, exempted or additional pension (付加年金) periods, enter the years under “Add unpaid / exempted / additional pension periods”
6Check the monthly amount, annual amount and breakdown, then compare cumulative payouts and break-even ages for early and delayed claiming on the “At what age to start” tab

Great for

Get a monthly estimate of how much pension you will receive in retirement
See how much your pension changes with your income and working years
Find out what your monthly amount becomes if you delay until 70 or 75, and how long you need to live for it to pay off
Check how much you lose by claiming from 60 and at what age claiming at 65 overtakes you
Estimate how much your pension grows if you keep working as an employee after 60
See the pension for self-employed people and freelancers on the national pension alone, and the effect of the additional pension
Estimate each spouse's pension to plan your retirement funds

Good to know

The basic old-age pension (老齢基礎年金) is paid in full if you paid premiums for all 40 years (480 months) between ages 20 and 60. The FY2026 (Reiwa 8) full amount is ¥847,300 per year (¥70,608 per month) and is reduced according to the months you paid. Fully exempted periods count as 1/2 (1/3 before April 2009), while unpaid periods and student payment deferral periods that were not made up later do not count toward the amount.
The employees' old-age pension (老齢厚生年金, earnings-related part) is average standard remuneration (monthly pay including bonuses) × 5.481/1000 × months enrolled. The monthly standard remuneration is capped at ¥650,000 and bonuses at ¥1.5 million per payment, so your pension does not grow even if your income exceeds roughly ¥10.8 million per year.
Periods in the employees' pension before age 20 or after age 60 are not reflected in the basic pension, but are added to the employees' old-age pension as a “transitional supplement” (経過的加算).
Early claiming (starting at 60 to 64) reduces the pension by 0.4% per month (0.5% for people born on or before April 1, 1962), and delayed claiming (starting at 66 to 75) increases it by 0.7% per month. The rate never changes for life, and early claiming cannot be cancelled.
To receive an old-age pension you need at least 10 years in total of premium-paid periods, exempted periods, student payment deferral periods and employees' pension periods.
The spouse supplement (加給年金) is added at ¥423,700 per year (FY2026) for people with at least 20 years in the employees' pension who have a dependent spouse under 65. It is not paid while you are delaying and does not increase when you delay.
Calculations are gross amounts before tax and social insurance premiums, and do not include corporate pensions, iDeCo, or the suspension under the in-service old-age pension (在職老齢年金). Check the exact amount in your “Nenkin Teikibin” (annual pension notice) or “Nenkin Net”.
Everything you enter is calculated in your browser and is never sent to a server.

Questions this tool answers

Use How Much Pension Will I Get in Japan? Estimate Benefits and Break-Even for Delayed or Early Claiming (繰下げ・繰上げ) for searches like these:

I want to calculate how much pension I will get
I want to know the pension for a company employee earning ¥5 million a year
I want to know how much I get from the national pension alone
I want to know how much the pension increases if I delay until 70
I want to know the break-even point for delaying the pension
I want to know how much the pension drops if I claim early from 60
I want to know how the employees' pension is calculated
I want to see a quick-reference table of pension amounts by income
I want to know how much the spouse supplement is
I want to know the FY2026 full national pension amount

FAQ

How much pension does a company employee earning ¥5 million a year receive?: If you were in the employees' pension from age 22 to 60 (38 years) with an average income of ¥5 million and paid the national pension from 20 to 22, the pension from age 65 is ¥157,420 per month (¥1,889,051 per year). The breakdown is ¥847,300 per year for the basic old-age pension (full amount) and about ¥1.04 million per year for the employees' old-age pension. If you work until 65 under the same conditions, it rises to ¥172,371 per month.
How much do I get from the national pension alone?: If you paid for all 40 years from 20 to 60, the FY2026 full amount is ¥847,300 per year, or ¥70,608 per month. Each unpaid year reduces it by ¥21,183 per year. If a self-employed person or freelancer pays the additional premium (¥400 per month) for 40 years, the additional pension adds ¥96,000 per year, making ¥78,608 per month.
How much does the pension increase if I delay until 70, and what is the break-even age?: It increases by 0.7% for every month you delay, so starting at 70 gives 42% more. Someone who would get ¥157,420 per month at 65 gets ¥223,537 per month at 70. Cumulative payouts catch up with claiming at 65 at about age 81 and 11 months, and if you live longer than that, delaying pays more. Delaying until 75 gives 84% more, with a break-even at about 86 years and 11 months.
How much is the pension reduced if I claim early from 60?: For people born on or after April 2, 1962, the pension is reduced by 0.4% per month, so starting at 60 gives 24% less. Someone who would get ¥157,420 per month at 65 gets ¥119,639 per month, and this amount continues for life. In cumulative terms, claiming at 65 overtakes you at about age 80 and 10 months. Early claiming also comes with restrictions, such as no longer being able to claim a disability basic pension.
How is the employees' pension calculated?: The earnings-related part of the employees' old-age pension is “average standard remuneration × 5.481/1000 × months enrolled”. The average standard remuneration is the monthly average of your pay including bonuses, with past pay revalued to today's level. For example, with an average income of ¥5 million (about ¥417,000 per month) and 38 years (456 months) of enrollment, ¥417,000 × 5.481/1000 × 456 ≒ about ¥1.04 million per year. The basic old-age pension and transitional supplement are added to this.
What is a rough pension amount by income?: For 38 years as an employee from 22 to 60, with the national pension paid for the rest of ages 20 to 60, the monthly amount from age 65 is about ¥123,000 at an average income of ¥3 million, ¥140,000 at ¥4 million, ¥157,000 at ¥5 million, ¥175,000 at ¥6 million, ¥209,000 at ¥8 million and ¥244,000 at ¥10 million. The quick-reference tab also shows amounts by years enrolled.
What is the spouse supplement (加給年金) and how much is it?: When someone with at least 20 years in the employees' pension turns 65 and has a dependent spouse under 65 (with income under ¥8.5 million, and not receiving an old-age pension based on 20 or more years of employees' pension), ¥423,700 per year (FY2026) is added until the spouse turns 65. It is not paid while you are delaying and does not increase when you delay, so people with a younger spouse may choose to claim only the employees' pension at 65.
When and how is the pension paid?: The pension is paid on the 15th of each even-numbered month (February, April, June, August, October and December), covering the previous two months at once. For someone with ¥1.89 million per year, each payment is about ¥315,000. To receive it, you must submit the pension claim form that arrives before you turn 65 (or the age you chose for early or delayed claiming).
Why does the result differ from my Nenkin Teikibin (annual pension notice)?: For people under 50, the estimate on the Nenkin Teikibin is based only on your contributions so far and does not include future enrollment. This tool assumes you keep contributing until the age you enter. Also, the actual pension is calculated by revaluing past pay, so the result varies with how you enter your average income. Check the exact amount on Nenkin Net.

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