🇯🇵 Income Tax Calculator Japan 2026
Calculate your income tax in Japan: National + Local Tax
~0 EUR | ~$0
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~0 EUR~$0
Effective rate: 0%
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Social insurance: ~15% + Local inhabitant tax: 10%
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~0 EUR~$0
Monthly: ¥0 (~0 EUR~$0)
Income Distribution
Effective total rate: 0%
1. Income Tax (~¥572,500)
National tax (5-45%): ~¥427,500
Local tax (10%): ~¥500,000
Less basic deductions
Total: ~¥572,500
2. Social Insurance (~¥750,000)
Health insurance (~5%): ¥250,000
Pension (~9.15%): ¥457,500
Unemployment (~0.6%): ¥30,000
Total: ~¥737,500
That is ~¥307,500/month | Effective rate: ~26.2%
Employee Contributions
- Health insurance: ~5%
- National pension: 9.15%
- Unemployment: 0.6%
Employer
- Health + Pension: equal share
- Work injury: 100%
- Unemployment: 0.95%
🇯🇵 Complete Guide to Japanese Taxation
Why use this Japanese tax simulator? Japan's tax system is uniquely complex with national income tax plus separate inhabitant tax (approximately 10%) charged by prefectures and municipalities. This simulator combines both layers along with shakai hoken (social insurance) covering health, pension, and employment insurance — essential for understanding your true net salary in Japan.
Japan has a complex two-tier tax system: national income tax (Shotokuzei) and local inhabitant tax (Juuminzei). With progressive rates from 5% to 45% for national tax, plus a flat 10% local tax, the total tax burden can reach 55% for high earners.
2026 National Income Tax Brackets (Shotokuzei)
| Taxable Income (¥) | Rate | Deduction | USD Equivalent |
|---|---|---|---|
| 0 - ¥1,950,000 | 5% | ¥0 | 0 - $13,000 |
| ¥1,950,000 - ¥3,300,000 | 10% | ¥97,500 | $13k - $22k |
| ¥3,300,000 - ¥6,950,000 | 20% | ¥427,500 | $22k - $46k |
| ¥6,950,000 - ¥9,000,000 | 23% | ¥636,000 | $46k - $60k |
| ¥9,000,000 - ¥18,000,000 | 33% | ¥1,536,000 | $60k - $120k |
| ¥18,000,000 - ¥40,000,000 | 40% | ¥2,796,000 | $120k - $267k |
| Above ¥40,000,000 | 45% | ¥4,796,000 | > $267k |
+ 2.1% reconstruction surtax on national income tax (until 2037)
Local Inhabitant Tax (Juuminzei) - Flat 10%
In addition to national tax, all residents pay a flat 10% local inhabitant tax on their income:
- Prefectural tax: 4%
- Municipal tax: 6%
- Per capita (fixed): ~¥5,000/year
Maximum combined marginal rate: 45% (national) + 10% (local) = 55%
Social Insurance Contributions Breakdown
Employee Share (~15%)
- Health insurance (Kenko Hoken): ~5%
- Pension (Kosei Nenkin): 9.15%
- Unemployment insurance: 0.6%
- Long-term care (age 40+): ~0.9%
Employer Share (~15%)
- Health insurance: ~5% (equal)
- Pension: 9.15% (equal)
- Unemployment: 0.95%
- Workers' compensation: 0.25-8.8%
Pension contribution cap: ¥65,000/month (~$430). Contributions are capped above this amount.
Deductions and Allowances
Personal Allowances
- Basic allowance: ¥480,000 (~$3,200)
- Spouse allowance: ¥380,000
- Dependent child (16-18): ¥380,000
- Dependent child (19-22): ¥630,000
- Elderly parent: ¥480,000
Specific Deductions
- Social insurance premiums: 100% deductible
- Life insurance premiums: up to ¥40,000
- Medical expenses (>¥100,000): deductible
- Charitable donations: up to 40% of income
- Housing loan (10 years): up to 1%
Visa and Work Status Categories
Common Work Visas
- Engineer/Specialist: IT, engineers
- Intra-company Transfer: transfers
- Highly Skilled Professional: points system
- Business Manager: entrepreneurs
HSP (Highly Skilled) Benefits
- Permanent residence in 1-3 years
- Spouse can work
- Parents can accompany
- Domestic worker allowed
Japan vs France Comparison
| Criteria | 🇯🇵 Japan | 🇫🇷 France |
|---|---|---|
| Maximum income tax rate | 55% (nat+local) | 45% |
| Employee social contributions | ~15% | ~22% |
| Family taxation | Allowances | Family quotient |
| Cost of living (Tokyo vs Paris) | +5-10% | Reference |
| Average tech salary | ¥6-10M (~$40-66k) | $50-80k |
| Tax treaty with France | Yes (1995) | - |
Why Choose Japan?
Important Considerations
- Language barrier: Japanese is essential for daily life and integration
- Work culture: Long hours common, strict hierarchy, limited work-life balance
- Pension portability: France-Japan agreement allows combining periods, but Japanese pension is relatively low
- French exit tax: Worldwide income taxed in France for 10 years after departure (if applicable)
- Housing costs: Key money (礼金) + deposit (敷金) = 4-6 months rent upfront
- Employer-tied visa: Changing jobs = changing visa required
Japan has a complex tax system with national and local taxes. Compare with major Asian economies to evaluate the total tax burden.