Japanese company employees have shakai hoken (social insurance) automatically deducted from each paycheck. The system bundles health insurance, the employees’ pension, long-term care insurance for older workers, and employment insurance. This calculator estimates each component and splits it between the employee and employer shares, entirely in your browser.
How it works
Health and pension premiums are not charged on your raw salary. Instead your monthly wage is snapped to an official standard monthly remuneration grade, and the premium is a percentage of that grade:
- Health insurance — the total rate (about 9.98% under Tokyo Kyokai Kenpo for 2024) is split 50/50 between you and your employer.
- Long-term care (kaigo) — an extra ~1.6% total, also split 50/50, but only for employees aged 40–64.
- Employees’ pension (kosei nenkin) — fixed nationally at 18.30% total, split into 9.15% each, on remuneration capped at the 650,000 yen grade.
- Employment insurance (koyo hoken) — charged on actual gross salary, not the grade: about 0.6% for the employee and 0.95% for the employer in general businesses.
Example
For a 300,000 yen monthly salary (under 40), your employee deduction covers roughly half of health insurance, half of the 18.30% pension, and 0.6% employment insurance. The employer pays a matching share plus a slightly higher employment-insurance rate.
Notes
Rates change annually and by prefecture. The standard-monthly-remuneration grade table means a small pay rise inside the same band leaves your premium unchanged. Income tax (shotokuzei) and resident tax are separate deductions not included here. Always verify against the current Kyokai Kenpo or your insurer’s published table.