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Tedori Calculator (Japan)

Work out your Japanese take-home pay (tedori) from gross salary, social insurance, income tax and resident tax - locally in your browser, no upload.

This calculator gives a non-binding, model-based estimate and is not financial, tax or legal advice. More in the disclaimer
Annual gross salary (JPY)
40 or older (long-term care insurance)
Number of dependents (fuyou)

Result

¥3,144,726
Take-home pay (tedori)
¥262,060
Take-home pay (monthly)
¥590,000
Social insurance
¥86,274
Income tax (incl. surtax)
¥179,000
Resident tax
21.4%
Burden rate
Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local
Your content stays with youno third-party access
Hosted in GermanyGlobal Content Delivery
Independently auditedTLS A+ · HTTP headers A+

Tedori (手取り) is the Japanese term for take-home pay - what actually lands in your account after your employer deducts social insurance and taxes from your gross salary. This calculator reproduces the four biggest deductions: the three employee-paid social-insurance premiums (Kenko Hoken/health insurance, plus Kaigo Hoken/long-term-care insurance from age 40, Kosei Nenkin/employee pension, Koyou Hoken/employment insurance), the national income tax including the 2.1 percent reconstruction surtax, and the resident tax (juuminzei).

The calculation runs entirely locally in your browser: gross salary first has the social-insurance premiums deducted, then the employment-income deduction (kyuyo-shotoku-koujo) is applied to arrive at taxable income. The progressive national tax tariff (5 to 45 percent across seven bands) plus the reconstruction surtax follows. Resident tax uses a simplified same-year approximation - in reality it is assessed the FOLLOWING year on the prior year's income, so a first-year employee does not actually owe any resident tax yet.

An honest note: this is a model-based estimate, not tax advice. Not modelled: furusato-nozei donations, individual insurance deductions, the current basic-deduction reform (the "103-man-yen wall"), or special allowances for a spouse or elderly dependents - only the general dependent-deduction rate is used. The health/long-term-care/employment-insurance rates are national-average approximations and can differ slightly by prefecture and insurance union.

Specifications

Specifications
Input formatsForm inputs (no file)
ProcessingLocally in your browser (JavaScript)
File uploadNone

In 3 steps

  1. Enter the annual gross salary in yen.
  2. State whether you are 40 or older and choose the number of dependents.
  3. Read off tedori (take-home pay), social insurance and taxes instantly.

Limitations: A model-based estimate from an annual gross salary. Not included: furusato-nozei, individual insurance/life-insurance deductions, the spousal special deduction, special dependent-deduction rates for elderly dependents, the current basic-deduction reform. Resident tax uses a same-year approximation instead of the real prior-year basis. Health/long-term-care/employment-insurance rates are national-average approximations. Japan only, not tax advice.

FAQ

Are my inputs uploaded?

No. The calculation runs entirely locally in the browser; nothing is sent or stored.

What is the difference between gross salary and take-home pay (tedori)?

Gross is the agreed salary figure; tedori is what is actually paid out after social insurance and taxes.

Why do I not pay resident tax in my first year?

Resident tax is assessed on the PRIOR year's income and withheld from June the following year - a first-year employee has no prior-year income yet. This calculator simplifies that to a same-year estimate.

Does the calculator account for furusato-nozei?

No, furusato-nozei donations and other individual deductions are not included.

Why does long-term-care insurance change with age?

Kaigo Hoken (long-term-care insurance) premiums only apply from age 40 in Japan - that is why this calculator has a dedicated switch for it.

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