Japan salary calculator 2025: take-home pay after tax and social insurance
This free Japan salary calculator turns your gross salary into your real take-home pay (手取り) for 2025. It shows your pay after social insurance, national income tax (with the 2.1% reconstruction surtax) and local inhabitant tax (住民税), down to the monthly figure. Every rate comes from official sources, the National Tax Agency (NTA) for income tax and 協会けんぽ / 日本年金機構 for social insurance, and you can see exactly how each number is worked out.
How your Japanese take-home pay is calculated
First, social insurance (about 14.66% for an employee under 40) is deducted. Then income tax is charged on your salary after the employment income deduction (給与所得控除), social insurance and the basic deduction (基礎控除), at progressive rates from 5% to 45%, plus the 2.1% surtax. Finally, inhabitant tax of 10% plus a per-capita charge applies.
| 2025 deduction (employee) | Rate | Notes |
|---|---|---|
| Social insurance | ~14.66% | health + pension + employment |
| Long-term care (40-64) | 0.795% | added to social insurance |
| National income tax | 5% to 45% | + 2.1% reconstruction surtax |
| Inhabitant tax | 10% + ¥5,000 | local; billed the next year |
¥5,000,000 after tax in Japan (2025)
A single person under 40 on ¥5,000,000 takes home about ¥3,905,389 a year: about ¥732,750 of social insurance, ¥119,661 of income tax (including the surtax) and ¥242,200 of inhabitant tax, roughly 78% of gross. Enter your own salary, age and dependents above, or switch to Net to Gross to work back from a take-home figure.
Frequently asked questions
- Is this Japan salary calculator free?
- Yes. It's completely free, with no sign-up. Enter your gross salary and it shows your take-home pay (手取り) for 2025 after social insurance, national income tax (with the 2.1% reconstruction surtax) and local inhabitant tax, using official National Tax Agency (NTA) and 協会けんぽ figures.
- How is take-home pay calculated in Japan?
- Three things come out of your salary: social insurance (health, pension, employment and, for ages 40-64, long-term care), national income tax, and local inhabitant tax (住民税). Income tax is charged on your salary after the employment income deduction, social insurance and the basic deduction. Inhabitant tax is a flat 10% plus a small per-capita charge. Take-home = gross minus social insurance minus income tax minus inhabitant tax.
- How much is ¥5,000,000 after tax in Japan?
- For 2025, a single person under 40 on ¥5,000,000 takes home about ¥3,905,389 a year (roughly ¥325,000 a month): about ¥732,750 of social insurance, ¥119,661 of income tax (including the 2.1% surtax) and ¥242,200 of inhabitant tax. That is about 78% of gross. Enter your own salary above for an exact breakdown.
- How much is social insurance in Japan?
- For an employee, social insurance is about 14.66% of salary: health insurance 4.955% (the Tokyo 協会けんぽ rate; it varies a little by prefecture), employees' pension 9.15% (on standard remuneration capped at ¥650,000/month), and employment insurance 0.55%. People aged 40 to 64 also pay long-term care insurance of 0.795%.
- What is inhabitant tax (住民税)?
- Inhabitant tax is a local tax of 10% of your taxable income (6% to your municipality and 4% to your prefecture) plus a per-capita charge of about ¥5,000 a year. It is normally billed the following year based on this year's income; our calculator estimates it on your current income so you see the full picture.
- What is the reconstruction surtax?
- The special reconstruction income surtax (復興特別所得税) is an extra 2.1% charged on your national income tax. It applies from 2013 to 2037 to fund recovery from the 2011 earthquake, and is included in the income tax figure shown here.
- What is and isn't included?
- Included: health, pension, employment and long-term care insurance; the employment income deduction and basic deduction (with the 2025 reform amounts); national income tax and the 2.1% surtax; inhabitant tax; and a general deduction for dependents aged 16+. Not included: prefecture-specific health rates (we use Tokyo), spouse-specific rules, the monthly social-insurance grade table, and one-off items. Estimates only, not tax advice.