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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 formats
Form inputs (no file)
Processing
Locally in your browser (JavaScript)
File upload
None
In 3 steps
Enter the annual gross salary in yen.
State whether you are 40 or older and choose the number of dependents.
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.