Tedori: yearly and monthly net pay in Japan for common salaries in 2026
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.Net salary in Japan on a nenshu of ¥4,000,000 is ¥3,178,443 tedori a year, ¥264,870 a month, for a single employee under 40 in Tokyo in 2026. Health insurance, pension, employment insurance and the child support levy take ¥586,953; income tax, its surtax and next year's resident tax take ¥234,604. Enter your own nenshu.
| Gross a year | Tax and insurance | Net a year | Net a month |
|---|---|---|---|
| ¥3,000,000 | ¥585,181 | ¥2,414,819 | ¥201,235 |
| ¥4,000,000 | ¥821,557 | ¥3,178,443 | ¥264,870 |
| ¥5,000,000 | ¥1,066,917 | ¥3,933,083 | ¥327,757 |
| ¥6,000,000 | ¥1,337,282 | ¥4,662,718 | ¥388,560 |
| ¥8,000,000 | ¥2,045,737 | ¥5,954,263 | ¥496,189 |
| ¥10,000,000 | ¥2,725,970 | ¥7,274,030 | ¥606,169 |
¥3,933,083
¥327,757 a month, over 12 monthsAn estimate for a single employee in Tokyo with no dependants, not tax advice.
| Out of ¥5,000,000 | A year | A month | Share |
|---|---|---|---|
| Income tax (national)5%-45% on ¥1,786,000: employment income ¥3,560,000 less social insurance and the ¥1,040,000 basic deduction. | ¥89,300 | ¥7,442 | 1.8% |
| Reconstruction surtax2.1% of the national income tax, the total rounded down to 100 yen. | ¥1,800 | ¥150 | 0% |
| Resident tax (income portion)10% of ¥2,396,314 (430,000 yen basic deduction) less the adjustment credit; paid from June of the next year. | ¥237,131 | ¥19,761 | 4.7% |
| Resident tax per-capita levyTokyo 1,000 + ward 3,000 + forest environment tax 1,000 yen; none on total income of 450,000 yen or less. | ¥5,000 | ¥417 | 0.1% |
| Health insuranceHalf of 9.85% of monthly pay between ¥58,000 and ¥1,390,000 (the grade limits). | ¥246,252 | ¥20,521 | 4.9% |
| Child and child-rearing support levyHalf of 0.23% of the same monthly base, from April 2026 (9 months). | ¥4,311 | ¥359 | 0.1% |
| Employees' pension9.15% of monthly pay between ¥88,000 and ¥650,000 (the grade limits). | ¥457,500 | ¥38,125 | 9.2% |
| Employment insurance0.55% of pay for January to March, 0.5% from April 2026; no cap. | ¥25,623 | ¥2,135 | 0.5% |
| Take-home pay | ¥3,933,083 | ¥327,757 | 78.7% |
2026 · Rates and rules read from the sources listed on this page (the earliest on 30 Oct 2026); they may have changed since.
Type your nenshu, the yearly gross on your contract, in Gross salary a year.
Set Aged 40 to 64 and the Health insurance rate to match your situation.
Read the Net a month and Net a year.
Open Not included to see the costs this figure leaves out.
This calculator takes a Japanese salary for 2026 from nenshu, the gross yearly pay, to tedori, the take-home pay. It is set up for a single full-time employee in Tokyo insured with Kyōkai Kenpo, with no dependants and no bonus.
Social insurance first. The employee pays half of each premium: health insurance at 9.85% in Tokyo from March 2026, the new child and child-rearing support levy of 0.23% from April 2026, and employees' pension at 18.3%, so 9.15%. Premiums stop growing at the top grades, ¥650,000 a month for pension and ¥1,390,000 for health. Employment insurance is 0.5% of pay from April 2026. Employees aged 40 to 64 add half of the 1.62% care premium.
What it does not do. Bonuses, dependants, spouse deductions, life insurance, iDeCo and furusato nozei are not included, and premiums are worked on the monthly pay rather than its exact grade. Health rates differ by prefecture and by company health insurance society, so the rate is an input. At a few salaries the law makes take-home pay fall as pay rises, and the calculator keeps those steps. Sources are listed on the page, checked on 29 September 2026. An estimate, not tax advice.
The rest of the article, and all 6 questions about Japan Income Tax Calculator 2026, are on the Japan Income Tax Calculator 2026 page.
A single employee in Tokyo under 40 earning ¥5,000,000 in 2026 pays about ¥733,686 in social insurance, ¥91,100 income tax with the surtax and ¥242,131 resident tax including the levy. That leaves about ¥3,933,083 a year, or ¥327,757 a month, roughly 79% of the gross salary.
Resident tax is 10% of taxable income, 4% to the prefecture and 6% to the municipality, worked out with a basic deduction of ¥430,000 rather than the income tax one. A small adjustment credit of up to ¥2,500 is taken off, and a flat ¥5,000 levy is added in Tokyo's wards. Tax on 2026 salary is paid from June 2027.
With the 2026 deductions a single employee paying the usual social insurance starts paying national income tax at a salary of about ¥2,088,000 a year. Resident tax starts earlier: total income above ¥450,000, a salary above ¥1,190,000, brings the ¥5,000 levy, and the 10% income portion follows soon after.
Employees pay half of the health insurance premium (9.85% in Tokyo for Kyōkai Kenpo from March 2026), half of the 0.23% child support levy, 9.15% for employees' pension and 0.5% employment insurance. Those aged 40 to 64 also pay half of the 1.62% care insurance premium. Together this is about 15% of pay.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Japan Income Tax Calculator 2026 and anybody who knows can answer. No account needed.
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