Net Salary Calculator
Take-home pay on a ¥490,000 monthly salary in Japan (2026)
A single employee in Tokyo under 40 with no bonus keeps about ¥404,961 a month in the first year and ¥380,152 a month from the second year, when resident tax starts.
A month, year 1
¥404,961
A month, year 2+
¥380,152
| Item | Monthly | Annual |
|---|---|---|
| Monthly salary | ¥490,000 | ¥5,880,000 |
| Health | −¥25,200 | −¥302,400 |
| Pension | −¥45,750 | −¥549,000 |
| Employment | −¥2,450 | −¥29,400 |
| Income Tax | −¥11,639 | −¥139,672 |
| Resident tax (from year 2) | −¥24,808 | −¥297,700 |
| Take-home, year 1 | ¥404,961 | ¥4,859,528 |
| Take-home, year 2+ | ¥380,152 | ¥4,561,828 |
From 40 to 64, care insurance adds ¥4,050 a month, so the take-home from the second year is ¥376,928.
Assumptions: single, no dependents, the salary paid in 12 equal months; 協会けんぽ Tokyo rates from March 2026 with the child-support levy from April, income tax on the 2026 rules, resident tax in Tokyo's 23 wards. An estimate: your payslip can differ a little.