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Tax & Money Tools for Foreigners in Japan
For Foreign Residents in Japan
Free calculators for foreign residents: income tax, take-home pay, social insurance, side-job rules — all in plain English, updated for the 2026 tax year (Reiwa 8).
Tools
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Take-Home Pay Calculator (Employees)
Calculate your real net income from gross annual salary. Includes health insurance, pension, employment insurance, income tax, and resident tax for the 2026 tax year.
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Take-Home Pay Calculator (Freelancers / Sole Proprietors)
For self-employed foreigners: estimate income tax, resident tax, national health insurance, national pension, and business tax from your annual sales and expenses.
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Bonus Take-Home Calculator (Shoyo)
Estimate net pay from a Japanese summer or winter bonus after social insurance and withholding income tax. Reflects FY2026 caps (1.5M JPY pension, 5.73M annual health).
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National Health Insurance (Kokuho)
Annual NHI premium estimator for self-employed or between-jobs foreign residents in Japan. Shinjuku Ward FY2026 rates with medical, support, and long-term care components.
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Health Insurance After Resignation (NHI vs Voluntary Continuation)
Just resigned? Compare NHI and Voluntary Continuation premiums side-by-side based on your last salary, household, and age. Decide within the 14-day window.
Guides
Visa Status & Tax in Japan: What You Need to Know
How your visa type affects your tax obligations, residency status (resident vs non-resident), and how to file a tax return as a foreign resident.
Japanese Bonus Explained: How Shoyo Deductions Work
Why your bonus take-home is 65–78%. Health insurance, Welfare Pension, employment insurance, withholding tax — and why resident tax is not deducted.
Filing a Japanese Tax Return as a Foreign Resident
When and how to file kakutei shinkoku. Who must file, what to claim, e-Tax with My Number, side-income rules, and the February–March deadline.
National Pension for Foreigners (2026)
Kokumin Nenkin / Kosei Nenkin enrollment, contributions, Lump-sum Withdrawal when leaving Japan, and totalization agreements with 24+ countries.
Health Insurance in Japan for Foreigners (2026)
Shakai Hoken vs NHI, the 70% subsidy, High-Cost Medical Care Benefit, and what's covered. The unsung hero of Japan's safety net.
Childcare Benefits for Foreign Families (2026)
Childbirth Lump Sum (¥500K), Child Allowance after 2024 reform, Childcare Leave Benefit (67%/50%), free preschool, and ward-level support.
Buying Property in Japan as a Foreigner (2026)
Visa requirements, mortgages for foreigners, taxes (acquisition / annual / capital gains), the housing loan deduction, and ownership costs.
Inheritance Tax for Foreigners (2026)
The 10-year rule, worldwide vs domestic assets, basic deduction, spouse exemption, and international planning to avoid double taxation.
Becoming a Freelancer in Japan (2026)
Visa, opening declaration (Kaigyo Todoke), Blue Form ¥650K deduction, invoicing, social insurance switch, and tax tools for self-employment.
Departing Japan: Tax & Admin Checklist
30-day pre-departure checklist: tax filings, pension withdrawal, health insurance cancellation, bank accounts, and tax representative setup.
Tax Residency in Japan: Resident, Non-resident, Non-permanent
Understand the three tax statuses, how length of stay affects worldwide vs domestic taxation, and the 5/10-year boundaries.
Investing in Japan as a Foreigner
NISA eligibility for foreigners, stock brokers, international tax treaty benefits, and how to invest while complying with home-country rules.
Japan Tax Calendar for Foreign Residents (2026)
Month-by-month tax dates and deadlines: income tax, resident tax, NHI, pension, year-end adjustment, quarterly payments.
Working in Japan: Tax Basics for Foreign Employees (2026)
Salary deductions explained: income tax brackets, resident tax shock in year 2, social insurance, year-end adjustment, and key deductions.
Side Job Tax Rules for Foreign Employees (2026)
The JPY 200K threshold, visa restrictions, filing requirements, and how to keep your day-job employer from finding out about side income.
NISA for Foreign Residents in Japan (2026)
Tax-exempt investing for foreigners: eligibility, brokerage selection, what to buy, US dividend tax catch, and what happens when you leave Japan.
About these tools
All calculators are free, work entirely in your browser (no data sent to servers), and are updated for the 2026 tax year (Reiwa 8) including the December 2024 tax reform (basic deduction increase, salary income deduction increase).
Results are estimates. Your actual tax depends on your municipality, age, family structure, and various deductions. For official advice, consult a Japanese tax accountant (税理士) or your local tax office (税務署).