Japan Bonus Take-Home Pay Calculator
Enter your gross bonus, last month’s salary, and number of dependents. The tool deducts social insurance (health, nursing care, pension, employment) and withholding income tax using an approximation of the NTA bonus withholding rate table (Column A), then shows a rough net bonus. It is an estimate; actual amounts follow your payroll. For regular monthly or annual pay, use the Salary Take-Home Pay Calculator.
🔒 Runs in your browser · Your data is never sent to a server
Bonus and salary
Used to pick the withholding rate. The tool subtracts estimated social insurance from it, then looks up the rate table.
Your spouse and dependents counted for withholding (Column A). Eight or more are treated as seven.
Bonuses paid earlier between April and the following March. Used for the annual health insurance cap of ¥5.73 million.
Notes
- Social insurance uses typical Japan Health Insurance Association (Kyokai Kenpo) employee rates: about 4.955% health, 0.795% nursing care, 9.15% pension, and 0.55% employment insurance. Your insurer, prefecture, and industry may use different rates.
- Health and nursing care premiums apply to the standard bonus amount (the bonus rounded down to ¥1,000), capped at ¥5.73 million per fiscal year (April to March). The pension premium is capped at ¥1.5 million per payment. Employment insurance applies to the gross bonus.
- Withholding tax is found by looking up your rate in an approximation of the bonus withholding rate table (Column A), using last month’s salary after social insurance and your number of dependents, and multiplying it by the bonus after social insurance. The rate already includes the reconstruction surtax.
- The rate table here is an approximation based on the 2025 brackets, not an exact copy of the National Tax Agency table. Actual deductions follow your employer’s payroll, so check your bonus payslip. This is not tax advice.
- Special cases are not covered: no salary paid last month, a bonus more than ten times last month’s salary, and Column B (no dependent declaration filed).
- Last month’s social insurance is roughly estimated from the gross salary, so it can differ from the amount based on your actual standard monthly remuneration.
- Resident tax is not taken from bonuses; it is deducted from monthly pay, so it is not included in this result.
Glossary
Standard bonus amount
The gross bonus rounded down to ¥1,000, used as the base for health, nursing care, and pension premiums. Health insurance is capped at ¥5.73 million per fiscal year and pension at ¥1.5 million per payment.
Bonus withholding rate table
A table published by the National Tax Agency for withholding income tax on bonuses. The rate is chosen from last month’s salary after social insurance and the number of dependents, then applied to the bonus after social insurance.
Column A and Column B
Column A applies to pay from the main employer where you filed a dependent declaration; Column B applies when you have not filed one or for a second job. This tool covers Column A only.
Reconstruction surtax
A 2.1% surtax on income tax that funds reconstruction after the Great East Japan Earthquake. It is already built into the bonus withholding rates.
FAQ
What is the take-home pay on a ¥1 million bonus?
For someone under 40 with no dependents and a ¥300,000 salary last month, about ¥147,000 goes to social insurance and about ¥52,000 to withholding tax, leaving roughly ¥800,000 (about 80% of gross). More dependents lower the withholding rate.
Is social insurance deducted from bonuses too?
Yes. Health, nursing care, pension, and employment insurance all apply to bonuses. The standard bonus amount is capped at ¥5.73 million per fiscal year for health insurance and ¥1.5 million per payment for the pension.
How is income tax on a bonus decided?
The rate comes from the National Tax Agency bonus table, based on last month’s salary after social insurance and your number of dependents. It is applied to the bonus after social insurance, and any over- or under-withholding is settled in the year-end adjustment.
Why does my bonus payslip show a different amount?
This tool uses average Kyokai Kenpo rates and an approximated rate table. Your insurer’s rates, your actual standard monthly remuneration, and rounding rules can cause a difference of a few hundred to a few thousand yen. Check your payslip for the real figure.
Share this page