Money calculators for people living in Japan
Salary, tax and social insurance in Japan work differently from most countries, and the first years are the most confusing: resident tax arrives a year late, health insurance depends on your prefecture, and leaving Japan has its own deadlines. Manesimu calculates these precisely for 2026, using the same figures published by the National Tax Agency, the Japan Health Insurance Association and the Japan Pension Service.
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Find what you need
Starting work in Japan
Your first months: registration, your payslip, and what you actually take home.
Taxes and saving
How tax is settled each year, and tax-free ways to donate and invest.
- Year-End Adjustment Refund Calculator (Nenmatsu Chōsei)
- Filing a Tax Return in Japan: A Guide for Foreign Residents
- Side Jobs in Japan: Visa Permission and Tax for Foreign Residents
- Furusato Nozei Limit Calculator (Hometown Tax Donation)
- NISA Calculator for Foreign Residents
- iDeCo Calculator for Foreign Residents
Having a baby
Childbirth grant, maternity allowance and childcare leave pay.
Changing or losing your job
Unemployment benefits and your health insurance in between jobs.
Illness and medical bills
The monthly cap on medical costs and your insurance options.
Leaving Japan
Your pension refund, resident tax and the steps to take before your flight.
Calculators
Japan Take-Home Pay Calculator
Salary after tax in Japan for 2026, with your prefecture's health insurance rate, bonus, family, and the resident tax that starts in your second year.
Japan Pension Refund Calculator (Lump-Sum Withdrawal Payment)
Leaving Japan? Estimate your lump-sum withdrawal payment from employees' and national pension, the 20.42% tax withheld, and the refund you can claim with a tax agent.
Furusato Nozei Limit Calculator (Hometown Tax Donation)
How much you can donate in 2026 and pay only ¥2,000, with the one-stop exception, leaving Japan, and family living abroad explained.
Year-End Adjustment Refund Calculator (Nenmatsu Chōsei)
Estimate your 2026 year-end adjustment refund. The 2026 tax cut is settled in December, so most employees get more back this year.
Bonus Take-Home Calculator
How much of your bonus you keep in 2026: social insurance by prefecture and income tax at the National Tax Agency's bonus rate.
Health Insurance After Leaving Your Job (National Health Insurance vs Voluntary Continuation)
Your health insurance options in Japan after you quit, and which is cheaper: National Health Insurance (Tokyo wards) or keeping your employer's insurance.
Unemployment Benefit Calculator (Employment Insurance)
How much unemployment benefit you can get in Japan and for how long, with the August 2026 rates, the Hello Work steps, and what to report to immigration.
Maternity & Childcare Leave Benefit Calculator
Maternity allowance, childcare leave benefit (67% then 50%) and the post-birth support benefit, with the childbirth grant and premium exemption explained.
High-Cost Medical Expense Benefit Calculator
Your monthly cap on medical bills in Japan and the refund above it, with the new limits from August 2026.
NISA Calculator for Foreign Residents
How much tax-free growth NISA can give you, who can open an account, and what happens to it when you leave Japan.
Medical Expense Deduction Calculator
How much tax you get back when your family's medical costs exceed ¥100,000 in a year, and how to claim it in a tax return.
Net to Gross Salary Calculator
The gross salary you need for the take-home pay you want, for job offers and salary negotiation.
iDeCo Calculator for Foreign Residents
Your tax saving from iDeCo with the new limit from December 2026, and whether you could withdraw the money if you leave Japan.
Retirement Allowance Tax Calculator
The tax on a retirement allowance (taishokukin), and the 20.42% withholding and refund if it is paid after you leave Japan.
Guides
Leaving Japan: Money Checklist (Taxes, Pension, Resident Tax)
What to do with resident tax, income tax, your pension, NISA and your residence card when you leave Japan, in the order you need to do it.
Resident Tax in Japan: Why It Starts in Your Second Year
Why your take-home pay drops in June of your second year, how much resident tax is, how it is paid, and what happens if you change jobs or leave.
Filing a Tax Return in Japan: A Guide for Foreign Residents
Who must file a tax return (kakutei shinkoku), who gets money back, how foreign income is taxed, and how to file for 2026 income.
Moving to Japan: Money Checklist for Your First Months
Registering your address, health insurance and pension, My Number, the tax form for your employer, and when resident tax starts.
Japanese Payslip Explained: Every Deduction on Your Salary
What each deduction on a Japanese payslip means, with 2026 rates, and why the amounts change in June, September and December.
Side Jobs in Japan: Visa Permission and Tax for Foreign Residents
Whether your residence status allows a side job, when you must file a tax return, and why income under ¥200,000 still needs a resident tax declaration.