Guides JP

Bonus Take-Home Calculator

Enter your gross bonus, previous month salary, age, dependents, and health insurance type to instantly calculate your net bonus after social insurance (health, pension, employment, nursing, child and childcare support levy) and withholding income tax. Uses FY2026 (Reiwa 8) Kyokai Kenpo rates by prefecture and the official bonus withholding rate tables (2026 for bonuses paid in 2026, 2027 for bonuses paid from January 2027), with a visual breakdown.

Last updated: 2026/10/16 Finance Feedback & bug reports

Input

Payment date
Withholding tax uses the 2026 bonus rate table (withholding in 2026 still follows the pre-reform tables; the higher basic deduction is settled in the December year-end adjustment). Social insurance uses FY2026 rates.
×10,000 JPY
×10,000 JPY
The bonus tax rate is based on your previous month salary
Age Group
Health Insurance
%
Your share is calculated as half of this. Nursing insurance, the support levy, pension and employment insurance use the same rates as Kyokai Kenpo.

Result

Net Bonus (Take-Home)
0
Gross Bonus
0
Total Social Insurance
0
Withholding Tax
0
Take-Home
0

Deduction Breakdown

ItemAmount

Note: Resident tax is not deducted from bonuses (it is withheld from monthly salary).

Important Notes

  • Results are estimates only and do not constitute tax, social insurance, or labor advice.
  • Social insurance is estimated with the employee share of FY2026 Kyokai Kenpo prefecture rates (from March 2026), nursing 1.62%, the child and childcare support levy 0.23%, pension 18.3% and employment insurance (general business) 0.5% for the employee. Previous-month premiums use the standard monthly remuneration derived from your previous salary; actual amounts vary by your standard remuneration and bonus brackets.
  • Withholding tax is calculated using the NTA "Bonus Withholding Rate Table", Column A (dependent declaration filed): the 2026 table for bonuses paid in 2026 and the 2027 table for bonuses paid from January 2027.
  • The child and childcare support levy started with premiums for April 2026 (paid in May). The FY2026 rate is 0.23% (employee 0.115%); it does not apply to bonuses paid in March 2026 or earlier.
  • For exact figures, consult your payroll department, a tax accountant, or a labor and social security attorney.

Basis & sources (as of October 2026, in Japanese)

For your monthly salary take-home, use the Take-Home Pay Calculator.

How to Use

1

Enter payment date, bonus and previous salary

Choose when the bonus is paid (2026 or from January 2027), then enter your gross bonus and the gross salary of the month before the bonus. The previous month salary determines the tax rate.

2

Select age, dependents, and health plan

Set your age group (nursing insurance applies at 40-64), number of dependents, and health insurance type (prefecture for Kyokai Kenpo, or a custom rate for union plans).

3

Check take-home and breakdown

Your net bonus after social insurance and income tax appears instantly, with a doughnut chart and detailed breakdown table.

About the Bonus Take-Home Calculator

This tool calculates your net bonus (take-home) by deducting social insurance (health, pension, employment, nursing, child and childcare support levy) and withholding income tax from your gross bonus. Bonus tax is calculated differently from monthly salary: the rate is determined by your previous month salary (after social insurance) and number of dependents. The tool uses FY2026 (Reiwa 8) Kyokai Kenpo rates by prefecture and the official NTA bonus withholding rate tables for 2026 and 2027, and runs entirely in your browser.

Features

  • FY2026 Rates & 2027 Tax TableFY2026 Kyokai Kenpo rates, the child support levy, pension and employment rates, plus the revised withholding table used for bonuses paid from January 2027.
  • Visual Breakdown ChartSee exactly what is deducted - health insurance, pension, income tax - in a doughnut chart.
  • Kyokai Kenpo & Union PlansPrefecture-based Kyokai Kenpo rates plus custom rate input for company union health plans.
  • Privacy ProtectedYour data is never sent to a server. All calculations run locally in your browser.

Use Cases

  • Know your summer or winter bonus take-home in advance
  • Understand the real amount you receive from a gross figure
  • Compare bonus offers when changing jobs or at appraisal
  • Plan loan prepayments or NISA contributions from your bonus
  • Understand the social insurance and tax deducted from a bonus

FAQ

How much is the take-home of a bonus?
Generally about 75-85% of the gross is your take-home. Social insurance (health, pension, employment, the child support levy, plus nursing at 40+) and withholding income tax are deducted. The exact amount depends on age, previous salary, dependents, and prefecture, so use this tool to calculate.
How is bonus income tax calculated?
The rate is found from the NTA bonus withholding table using your previous month salary (after social insurance) and dependent count, then multiplied by (bonus minus its social insurance). This tool uses that official method (Column A): the 2026 table for bonuses paid in 2026 and the 2027 table for bonuses paid from January 2027.
Is resident tax deducted from a bonus?
No. Resident tax is not withheld from bonuses. It is levied on the prior year's income and deducted from monthly salary in 12 installments, so it is excluded from bonus take-home.
How is bonus social insurance determined?
It is based on the "standard bonus amount" (gross bonus rounded down to the nearest 1,000 yen) multiplied by each rate. Health, nursing, the child support levy and pension are split with the employer; this tool shows your share (about half). Employment insurance applies to the full bonus.
Is there a cap on the standard bonus amount?
Yes. Health insurance is capped at a cumulative 5.73M yen per fiscal year (Apr-Mar), and pension is capped at 1.5M yen per payment. This tool reflects these caps as an estimate.
What is the child and childcare support levy ("singles tax")?
It is the "Child and Childcare Support Levy" collected on top of health insurance premiums from the premiums for April 2026 (paid in May). The FY2026 rate is 0.23%, of which employees pay half (0.115%). Because everyone pays it regardless of having children, it is sometimes called a "singles tax". It does not apply to bonuses paid in March 2026 or earlier, so you can choose whether to include it.
What if there was no salary in the previous month?
If there was no previous-month salary, or the bonus exceeds 10x the previous salary (after social insurance), a special rule uses the monthly tax table instead of the bonus rate table. In that case this tool's tax may differ from the actual amount.
Is my data saved?
No. The amounts you enter are never sent to or stored on any server. All calculations run entirely in your browser.
Does bonus income tax change from 2027?
Yes. In line with the higher basic deduction and employment income deduction from the FY2026 tax reform, the bonus withholding rate table is revised for bonuses paid on or after January 1, 2027. The salary brackets move up, so the rate may drop a step for the same previous salary (e.g., with 0 dependents and a previous salary after social insurance of 260,000 to under 263,000 JPY, 6.126% becomes 4.084%). Bonuses paid in 2026 are withheld with the pre-reform 2026 table and the difference is settled in the year-end adjustment.

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