Pension Contribution Calculator 2026 - Japan

Calculate Japanese social insurance contributions for 2026: Health insurance (4,985%), Pension (9.15%), Unemployment Insurance (0.6%). Employee and Employer Contribution.

Monthly Allowance

Contribution Details

Standard Return¥300,000
Employee Health Insurance (4,985%)¥14,955
Pension (dependent) (9,15%)¥27,450
Unemployment insurance (dependent) (0,6%)¥1,800
Total charged to employee¥44,205
Total charged by employer¥45,255
Gross income (before tax/for residents)¥255,795

Come utilizzare Calcolatore Contributi Previdenziali 2026 - Giappone

Insert monthly salary

Enter your gross monthly salary. Standard pay is used to calculate contributions and is limited to ¥1,390,000 for health insurance and ¥650,000 for pension.

Verify details of contributions

Contribution to Japanese pensions includes: health insurance (approximately 9.97%), pension (18.3%), and unemployment insurance (approximately 1.55%). Costs are split between employee and employer.

Suggerimenti

  • Long-term care insurance adds approximately 1.82% from age 40 onwards (split evenly between employee and employer), increasing overall pension burden.
  • Free professionals and self-employed workers instead enroll in National Health Insurance and National Pensions (¥16,980 per month for 2026).
  • The maximum on pension contributions means that higher incomes pay a proportionally smaller share: the pension system is not purely proportional to income.

Domande frequenti

What is shakai hoken?

Shakai hoken refers to Japan's mandatory social insurance system for employees: health insurance (kenkou hoken), pension insurance (kousei nenkin hoken), and employment insurance (koyou hoken). Long-term care insurance (kaigo hoken) applies from age 40.

What is the standard remuneration?

Standard remuneration is an average monthly pay rounded figure used to calculate contributions. It's set in April-June each year and remains fixed for a year. Health insurance has 50 levels (¥58,000-¥1,390,000), pension has 32 levels (¥88,000-¥650,000).

Who must enroll in shakai hoken?

All full-time employees at companies must enroll. Part-time workers working 3/4 of the regular hours, or working more than 20 hours/week at companies with 51+ employees earning ¥88,000/month or more, must also enroll from October 2024.

What benefits does shakai hoken provide?

Health insurance covers 70% of medical costs (30% copay), dental, prescriptions, and short-term disability. Pension plan offers retirement, disability, and survivor benefits. Employment plan provides unemployment benefits and parental leave.