Tax Reform Simulator
Compares your income tax, resident tax and take-home pay before and after the FY2026 increase in the basic and employment-income deductions.
You needGross annual income (withholding slip or payslip)
This is an English translation of our Japanese page. The Japanese version is authoritative. Some dynamic tool labels may remain in Japanese.
Japan Tax Simulators: Reform Impact, iDeCo, Income Walls, Pension and Health Insurance
A directory of our free simulators. Pick the one you need: how the tax reform changes your take-home pay, how much iDeCo saves, what happens to your pay at the dependent-income walls, which health insurance is cheaper after leaving a job, and more. Each tool has its own page that walks you from the inputs to how to read the result.
All toolsFree, no sign-up. Figures are calculated on your device and never sent to a server
All results are estimates. See the notes on each page for the assumptions.
iDeCo Tax-Saving Simulator
From your monthly contribution and income, shows how much income and resident tax you save each year and the total you build up, with and without iDeCo.
You needGross annual income and the monthly amount you want to contribute
Dependent Income Wall Simulator
Checks the ¥1.06M, ¥1.30M and ¥1.60M walls from a single income figure and charts the dip in take-home pay at the social-insurance wall.
You needExpected annual income and whether your employer has 51 or more employees
Refundable Tax Credit Simulator
Estimates how much your household gains from the bridge payments and the food consumption-tax cut from April 2027, and from the full rollout in FY2029.
You needAnnual income, monthly food spending, number of children
Health Insurance After Leaving a Job
Compares two years of premiums under voluntary continuation and National Health Insurance, including the reduction for involuntary job loss and dependants.
You needMonthly salary at leaving, last year's salary income, your municipality
Consumption Tax Method Simulator
From sales and purchases, finds which method gives the lowest consumption tax by industry: standard, simplified, or the 20% and 30% special rules.
You needAnnual taxable sales, taxable purchases, industry
High-Cost Medical Benefit Simulator
From one month's medical bill and your income bracket, estimates your out-of-pocket cap under the August 2026 rules, including household pooling and frequent-use discounts.
You needAnnual income (bracket) and the expected medical bill
Pension Early or Deferred Claim Simulator
Shows at what age lifetime benefits break even if you claim early or defer, using after-tax, after-insurance amounts rather than the gross figure.
You needYour estimated pension at 65 from the annual pension notice
Micro-Company Simulator
Compares National Health Insurance plus National Pension against company social insurance at a low director's salary, net of the flat corporate tax and filing costs. Japanese only.
You needBusiness income, age, your municipality
