How much is take-home pay on an annual income of 5 million yen?

Under the conditions of under 40, Tokyo, no dependents, and no bonus, take-home pay is about 3.91 million yen a year (about 326,000 yen a month). The breakdown is roughly 720,000 yen in social insurance, 120,000 yen in income tax, and 240,000 yen in resident tax, so about 78% of gross pay remains. From age 40, nursing care insurance is added, and dependents reduce taxes, so enter your own conditions to calculate.

What is take-home pay for 4 million, 6 million, and 8 million yen?

Under the same conditions (under 40, Tokyo, no dependents, no bonus), 4 million yen gives about 3.16 million yen (79.0%), 6 million yen gives about 4.63 million yen (77.1%), and 8 million yen gives about 5.94 million yen (74.3%). The income tax rate rises with income, so the take-home ratio slowly falls. The quick-reference table in this tool compares annual incomes from 2 million to 15 million yen in one list.

How much is monthly take-home pay on a 300,000 yen monthly salary?

For under 40, Tokyo, and no dependents, monthly take-home pay is about 239,000 yen. The breakdown is about 14,865 yen for health insurance, 27,450 yen for employees' pension, 1,650 yen for employment insurance, and about 17,000 yen combined for income tax and resident tax (resident tax from the second year). The standard monthly remuneration is 300,000 yen (health insurance grade 22).

About what percentage of gross pay is take-home pay?

For employees, roughly 75–80% of gross pay is a guideline. It is about 80% for incomes in the 3 million yen range, about 78% around 5 million yen, about 74% at 8 million yen, and about 73% at 10 million yen; the ratio falls as income rises because the income tax rate goes up. The common saying that take-home pay is 80% of gross pay roughly holds around 4 million yen.

What is deducted from my salary?

Four social insurance premiums (health insurance, nursing care insurance for ages 40–64, employees' pension, and employment insurance) and two taxes (income tax and resident tax). Health insurance and pension are split equally with the employer, and only your half appears on the payslip. For many people, social insurance is actually a bigger burden than taxes (at 5 million yen, about 720,000 yen in social insurance versus about 360,000 yen in taxes).

How much is deducted from a bonus?

Health insurance, nursing care insurance, pension, employment insurance, and income tax are deducted from a bonus, but not resident tax (because resident tax is paid from monthly salary). As a guideline, 75–80% of the gross amount is take-home. For example, if someone earning 5 million yen a year receives a 500,000 yen bonus, about 77,000 yen goes to social insurance and about 22,000 yen to income tax, leaving about 400,000 yen. Enter the amount on the "Bonus take-home" tab to see the breakdown.

Why isn't resident tax deducted from bonuses?

Resident tax is collected by splitting the annual amount, based on the previous year's income, into 12 deductions from monthly salary from June to May of the following year (special collection). There is no mechanism for adding extra in bonus months. Income tax, on the other hand, is also withheld on the spot from a bonus, so a bonus payslip has an income tax line.

What is the standard monthly remuneration and how is it decided?

It is your monthly pay fitted into a round bracketed amount, used to calculate social insurance premiums. Health insurance runs from grade 1 (58,000 yen) to grade 50 (1.39 million yen), and employees' pension from grade 1 (88,000 yen) to grade 32 (650,000 yen). As a rule it is decided from the average pay for April, May, and June (regular determination) and applies from September of that year to August of the next. The "Monthly pay to take-home" tab of this tool lets you open the grade table and see which grade your pay falls into.

Isn't resident tax deducted in the first year?

In your first year after graduating and starting work, you had almost no income the previous year, so no resident tax is deducted. It starts in June of the second year, so you may find that "take-home pay fell by over 10,000 yen on the same salary". This tool includes resident tax on the assumption that the same income continues, so to see first-year take-home pay, subtract the resident tax line.

What are the "income walls" at present?

Under the system from the 2025 tax year, resident tax starts at an income of 1.1 million yen and income tax starts at 1.6 million yen (raised from the former 1 million and 1.03 million yen). For social insurance, you join on your own at 1.06 million yen if you meet conditions such as working 20 hours or more a week at a workplace with 51 or more employees, and at 1.3 million yen otherwise. The social insurance wall has the biggest effect on take-home pay; crossing the tax walls does not reduce take-home pay.

How much does take-home pay drop above 1.06 million or 1.3 million yen?

Social insurance premiums (health insurance and pension) newly arise, and about 15% of income is deducted. If you were working just under 1.06 million yen and join, your take-home pay catches up with the original level at an income of around 1.25 million yen. For the 1.3 million yen wall, you need to raise income to around 1.5 million yen. The "Income wall" tab shows this range as a chart and table. Note, however, that joining employees' pension increases your future pension and qualifies you for sickness and maternity allowances, so don't judge by take-home pay alone.

Up to what income can the spouse deduction be claimed?

If the spouse's income is 1.23 million yen or less, the spouse deduction (380,000 yen for income tax) applies, and above that up to 1.6 million yen the special spouse deduction gives the same 380,000 yen. Above 1.6 million yen it decreases in steps and disappears at around 2.01 million yen. In every case, your own total income must be 10 million yen or less. In this tool, enter the spouse's income under "Set conditions" and it is determined automatically.

Why does take-home pay drop at age 40?

From the month of your 40th birthday you become a Category 2 insured person for nursing care insurance, and the nursing care premium is added. The Kyokai Kenpo rate for fiscal 2025 is 1.59%, split equally with the employer, so your share is 0.795%. At 5 million yen a year that is about 39,000 yen a year, or about 3,000 yen a month. From age 65 it is generally deducted from your pension rather than from your salary.

Why is the result slightly different from my payslip?

There are three main reasons. First, monthly income tax is decided by the withholding tax table (monthly), whereas this tool divides the annual tax by 12. Second, the standard monthly remuneration is decided from the April–June average, so it can differ from the gross amount you enter. Third, health insurance rates differ by health insurance society. The annual total comes out close, but to match to the yen, enter the rate and standard monthly remuneration from your payslip under "Set conditions".

Can it calculate the effect of hometown tax donations or iDeCo?

iDeCo and life insurance premium deductions are reflected in both income tax and resident tax if you enter the annual contribution or deduction under "Other income deductions". Hometown tax donations are deducted directly from tax according to the donation amount (donation tax credit), which is calculated differently from this tool's income deductions, so they are not included.

Japan Take-Home Pay Calculator (Social Insurance, Income Tax, Resident Tax)

Enter your annual income or monthly gross pay and see exactly how much is deducted for health insurance, nursing care insurance, employees' pension, employment insurance, income tax, and resident tax, and how much take-home pay remains. Your age, prefecture, spouse, and dependents are all reflected, and you can also check take-home pay for bonuses and a quick-reference table by annual income. It supports the employment income deduction of 650,000 yen and basic deduction of 950,000 yen raised from the 2025 tax year, and the "income wall" tab shows in a chart how take-home pay moves when you cross 1.06 million, 1.1 million, 1.3 million, or 1.6 million yen.

ABOUT

About Japan Take-Home Pay Calculator (Social Insurance, Income Tax, Resident Tax)

The take-home pay calculator shows, from just your annual income or monthly gross pay, how much is deducted for health insurance, nursing care insurance, employees' pension, employment insurance, income tax, and resident tax, and how much you actually keep, with a full breakdown. It reflects your age (nursing care insurance), your workplace prefecture (health insurance rate), and your spouse and dependents, and the same page also gives you take-home pay for a single bonus and a quick-reference table by annual income. The employment income deduction and basic deduction use the amounts raised from the 2025 tax year (minimum guarantee of 650,000 yen, basic deduction up to 950,000 yen), and the "income wall" tab charts how take-home pay moves when you cross 1.06 million, 1.1 million, 1.3 million, or 1.6 million yen.

How to use Japan Take-Home Pay Calculator (Social Insurance, Income Tax, Resident Tax)

1On the "Annual income to take-home" tab, enter your annual income (gross, including bonuses)
2If you get bonuses, enter the annual total under "Bonus total for the year" and the number of payments
3Open "Set conditions" and choose your age, workplace prefecture, spouse, and dependents
4Check your take-home pay, take-home ratio, and the breakdown into social insurance, income tax, and resident tax
5Open "Show how taxes are calculated" to follow the flow from the employment income deduction down to taxable income in yen
6Switch to "Monthly pay to take-home" for a monthly payslip estimate, or the "Bonus take-home" tab if you only want to know the net bonus

Great for

Check how much of a salary offered in a job change or raise you actually keep
Get a rough idea of the monthly deposit from a job posting's "monthly salary of X yen"
Verify whether the deductions on a payslip are reasonable, starting from the standard monthly remuneration
Work out the net amount you will receive when a bonus is decided
Build a housing loan or rent budget on take-home pay rather than gross pay
Decide whether to adjust a part-time income to stay just under the 1.06 million or 1.3 million yen walls
Compare household take-home pay between staying as a dependent and joining social insurance yourself
See at a glance, with the quick-reference table, how the take-home ratio falls as income rises

Good to know

The employment income deduction and basic deduction use the amounts for the 2025 tax year onward. The minimum employment income deduction is 650,000 yen, and the basic deduction is up to 950,000 yen depending on total income (including the special measures for 2025 and 2026).
Health insurance rates default to the Kyokai Kenpo rates by prefecture (fiscal 2025). If you belong to a health insurance society, the rate differs, so rewrite it with your society's rate under "Set conditions".
Social insurance premiums are based on the "standard monthly remuneration". This is not your monthly pay itself but a bracketed amount determined from the April–June average. This tool applies the gross amount you enter directly as the monthly remuneration when finding the grade.
Income tax is normally withheld monthly as an estimate based on the withholding tax table (monthly) and settled at year-end adjustment. This tool divides the annual tax by 12, so monthly amounts differ from your actual payslips (the annual total matches).
Resident tax is based on the previous year's income and is paid from June to May of the following year. It is not deducted in your first year of work and starts in the second year. This tool assumes the same income continues.
The per capita resident tax is 5,000 yen (including 1,000 yen of forest environment tax), and the non-taxable limit is calculated using the Class 1 area standard. Municipalities may differ by a few hundred to a few thousand yen.
Medical expense deductions, housing loan deductions, and hometown tax donations (furusato nozei) are not included. iDeCo and life insurance premium deductions are reflected if you enter the amount under "Other income deductions".
Everything you enter is calculated in your browser and is never sent to a server.

Questions this tool answers

Use Japan Take-Home Pay Calculator (Social Insurance, Income Tax, Resident Tax) for searches like these:

Find out how much take-home pay is on an annual income of 5 million yen
Compare take-home pay for 4, 6, and 8 million yen at once
Find out monthly take-home pay on a 300,000 yen monthly salary
Check the calculation from gross to take-home pay with my own conditions
Verify whether the deductions on my payslip are correct
Find out how much take-home pay is on a 500,000 yen bonus
See the breakdown of what is deducted from a bonus
Check what grade my standard monthly remuneration is
Calculate monthly health insurance and employees' pension premiums
Find out how much resident tax will be per year
Compare how much take-home pay rises with my income after a job change
Decide whether to keep part-time income under 1.06 or 1.3 million yen
Find out how much take-home pay drops when crossing an income wall
Check the income limit for the spouse deduction
Find out why take-home pay fell when I turned 40

FAQ

How much is take-home pay on an annual income of 5 million yen?: Under the conditions of under 40, Tokyo, no dependents, and no bonus, take-home pay is about 3.91 million yen a year (about 326,000 yen a month). The breakdown is roughly 720,000 yen in social insurance, 120,000 yen in income tax, and 240,000 yen in resident tax, so about 78% of gross pay remains. From age 40, nursing care insurance is added, and dependents reduce taxes, so enter your own conditions to calculate.
What is take-home pay for 4 million, 6 million, and 8 million yen?: Under the same conditions (under 40, Tokyo, no dependents, no bonus), 4 million yen gives about 3.16 million yen (79.0%), 6 million yen gives about 4.63 million yen (77.1%), and 8 million yen gives about 5.94 million yen (74.3%). The income tax rate rises with income, so the take-home ratio slowly falls. The quick-reference table in this tool compares annual incomes from 2 million to 15 million yen in one list.
How much is monthly take-home pay on a 300,000 yen monthly salary?: For under 40, Tokyo, and no dependents, monthly take-home pay is about 239,000 yen. The breakdown is about 14,865 yen for health insurance, 27,450 yen for employees' pension, 1,650 yen for employment insurance, and about 17,000 yen combined for income tax and resident tax (resident tax from the second year). The standard monthly remuneration is 300,000 yen (health insurance grade 22).
About what percentage of gross pay is take-home pay?: For employees, roughly 75–80% of gross pay is a guideline. It is about 80% for incomes in the 3 million yen range, about 78% around 5 million yen, about 74% at 8 million yen, and about 73% at 10 million yen; the ratio falls as income rises because the income tax rate goes up. The common saying that take-home pay is 80% of gross pay roughly holds around 4 million yen.
What is deducted from my salary?: Four social insurance premiums (health insurance, nursing care insurance for ages 40–64, employees' pension, and employment insurance) and two taxes (income tax and resident tax). Health insurance and pension are split equally with the employer, and only your half appears on the payslip. For many people, social insurance is actually a bigger burden than taxes (at 5 million yen, about 720,000 yen in social insurance versus about 360,000 yen in taxes).
How much is deducted from a bonus?: Health insurance, nursing care insurance, pension, employment insurance, and income tax are deducted from a bonus, but not resident tax (because resident tax is paid from monthly salary). As a guideline, 75–80% of the gross amount is take-home. For example, if someone earning 5 million yen a year receives a 500,000 yen bonus, about 77,000 yen goes to social insurance and about 22,000 yen to income tax, leaving about 400,000 yen. Enter the amount on the "Bonus take-home" tab to see the breakdown.
Why isn't resident tax deducted from bonuses?: Resident tax is collected by splitting the annual amount, based on the previous year's income, into 12 deductions from monthly salary from June to May of the following year (special collection). There is no mechanism for adding extra in bonus months. Income tax, on the other hand, is also withheld on the spot from a bonus, so a bonus payslip has an income tax line.
What is the standard monthly remuneration and how is it decided?: It is your monthly pay fitted into a round bracketed amount, used to calculate social insurance premiums. Health insurance runs from grade 1 (58,000 yen) to grade 50 (1.39 million yen), and employees' pension from grade 1 (88,000 yen) to grade 32 (650,000 yen). As a rule it is decided from the average pay for April, May, and June (regular determination) and applies from September of that year to August of the next. The "Monthly pay to take-home" tab of this tool lets you open the grade table and see which grade your pay falls into.
Isn't resident tax deducted in the first year?: In your first year after graduating and starting work, you had almost no income the previous year, so no resident tax is deducted. It starts in June of the second year, so you may find that "take-home pay fell by over 10,000 yen on the same salary". This tool includes resident tax on the assumption that the same income continues, so to see first-year take-home pay, subtract the resident tax line.
What are the "income walls" at present?: Under the system from the 2025 tax year, resident tax starts at an income of 1.1 million yen and income tax starts at 1.6 million yen (raised from the former 1 million and 1.03 million yen). For social insurance, you join on your own at 1.06 million yen if you meet conditions such as working 20 hours or more a week at a workplace with 51 or more employees, and at 1.3 million yen otherwise. The social insurance wall has the biggest effect on take-home pay; crossing the tax walls does not reduce take-home pay.
How much does take-home pay drop above 1.06 million or 1.3 million yen?: Social insurance premiums (health insurance and pension) newly arise, and about 15% of income is deducted. If you were working just under 1.06 million yen and join, your take-home pay catches up with the original level at an income of around 1.25 million yen. For the 1.3 million yen wall, you need to raise income to around 1.5 million yen. The "Income wall" tab shows this range as a chart and table. Note, however, that joining employees' pension increases your future pension and qualifies you for sickness and maternity allowances, so don't judge by take-home pay alone.
Up to what income can the spouse deduction be claimed?: If the spouse's income is 1.23 million yen or less, the spouse deduction (380,000 yen for income tax) applies, and above that up to 1.6 million yen the special spouse deduction gives the same 380,000 yen. Above 1.6 million yen it decreases in steps and disappears at around 2.01 million yen. In every case, your own total income must be 10 million yen or less. In this tool, enter the spouse's income under "Set conditions" and it is determined automatically.
Why does take-home pay drop at age 40?: From the month of your 40th birthday you become a Category 2 insured person for nursing care insurance, and the nursing care premium is added. The Kyokai Kenpo rate for fiscal 2025 is 1.59%, split equally with the employer, so your share is 0.795%. At 5 million yen a year that is about 39,000 yen a year, or about 3,000 yen a month. From age 65 it is generally deducted from your pension rather than from your salary.
Why is the result slightly different from my payslip?: There are three main reasons. First, monthly income tax is decided by the withholding tax table (monthly), whereas this tool divides the annual tax by 12. Second, the standard monthly remuneration is decided from the April–June average, so it can differ from the gross amount you enter. Third, health insurance rates differ by health insurance society. The annual total comes out close, but to match to the yen, enter the rate and standard monthly remuneration from your payslip under "Set conditions".
Can it calculate the effect of hometown tax donations or iDeCo?: iDeCo and life insurance premium deductions are reflected in both income tax and resident tax if you enter the annual contribution or deduction under "Other income deductions". Hometown tax donations are deducted directly from tax according to the donation amount (donation tax credit), which is calculated differently from this tool's income deductions, so they are not included.

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