Winter Bonus Take-Home in Japan (2026): How It's Worked Out
What comes off a Japanese winter bonus in 2026, with a take-home table.
By the MoneyBackKit Japan team · Updated October 21, 2026 · 4 min read
Most winter bonuses in Japan are paid in early December. With 2026 rates and the NTA bonus table, most people keep about 80%.
What comes off a bonus
- Health insurance (half of 9.85% in Tokyo), plus care insurance at 40–64
- The child support levy (0.115% from April 2026)
- Pension (9.15%, up to ¥1.5m per bonus) and employment insurance (0.5%)
- Income tax at a rate set by last month's pay and dependants
| Bonus | Social ins. | Rate | Income tax | Take-home (30) | Take-home (45) |
|---|---|---|---|---|---|
| ¥0.3m | ¥44,070 | 4.084% | ¥10,452 | ¥245,478 | ¥243,148 |
| ¥0.5m | ¥73,450 | 4.084% | ¥17,420 | ¥409,130 | ¥405,246 |
| ¥0.7m | ¥102,830 | 4.084% | ¥24,388 | ¥572,782 | ¥567,344 |
| ¥1m | ¥146,900 | 4.084% | ¥34,840 | ¥818,260 | ¥810,491 |