社会保険計算機 2026 — Japan Social Insurance
Calculate Japanese social insurance (社会保険) 2026: health insurance (健康保険 4.985%), pension (厚生年金 9.15%), employment insurance (雇用保険 0.6%). Employee and employer split.
Monthly Salary (月給)
Social Insurance Breakdown
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Enter monthly salary (月給)
Enter your monthly gross salary (月給 or 報酬月額). The standard remuneration (標準報酬月額) is used to calculate contributions and is capped at ¥1,390,000 for health insurance and ¥650,000 for pension.
Review contributions breakdown
Japanese social insurance (社会保険) includes: health insurance (健康保険 ~9.97%), pension (厚生年金 18.3%), and employment insurance (雇用保険 ~1.55%). Costs are split between employee and employer.
Suggerimenti
- Nursing care insurance (介護保険 kaigo hoken) adds ~1.82% from age 40 (split equally employee/employer), increasing the total social insurance burden.
- Freelancers and self-employed join National Health Insurance (国民健康保険) and National Pension (国民年金 ¥16,980/month for 2026) instead.
- The pension contribution ceiling means high earners pay a proportionally smaller share — the pension system is not purely proportional to salary.
Domande frequenti
What is shakai hoken (社会保険)?
Shakai hoken refers to Japan's mandatory social insurance system for employees: health insurance (健康保険 kenkou hoken), pension insurance (厚生年金保険 kousei nenkin hoken), and employment insurance (雇用保険 koyou hoken). Nursing care insurance (介護保険) applies from age 40.
What is the standard remuneration (標準報酬月額)?
The standard remuneration is a rounded figure based on average monthly pay, used to calculate contributions. It is determined in April-June each year and fixed for a year. Health insurance has 50 grades (¥58,000-¥1,390,000), pension has 32 grades (¥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 insurance provides retirement pension, disability, and survivor benefits. Employment insurance provides unemployment benefits and parental leave support.