HomeNet Navi - Income Wall Sim

See exactly where Japan's income walls hit your household. Visualize take-home pay across all 2026 tax & social insurance thresholds and find your optimal earnings.

Household Take-Home Income Simulator for Japanese Tax Law 2026

HomeNet Navi visualizes how Japan's income walls affect your household's net pay - all on one screen. Enter both spouses' incomes and instantly see how spousal income deductions, social insurance premiums, and local/national taxes interact across every major threshold.

WHO THIS IS FOR

• Couples wondering "Does earning more actually hurt us?"
• Part-time workers approaching the 1.03M, 1.06M, 1.3M, 1.5M, or 2.01M yen walls
• Dual-income households re-evaluating one partner's work schedule
• Anyone wanting to optimize take-home pay before year-end payroll adjustments

KEY FEATURES

Household Take-Home Curve Plot your combined net income across income levels. The dips at each wall are immediately visible - no more guessing.

Accurate 2026 Tax Rules Calculations follow the National Tax Agency and Japan Pension Service's latest rules, including the full spousal income deduction matrix.

Scenario Comparison Stack multiple earning scenarios side-by-side to compare net income differences and tax burdens at a glance.

Wall-Approach Alerts (Pro) Get notified when you are within a set amount of crossing a threshold. Perfect for adjusting hours before December payroll.

Fully On-Device All calculations happen locally. No data is ever sent to a server.

PRICING

• Free: core take-home calculator + 5 major income walls
• Premium Monthly: 190 yen (first month free)
• Premium Annual: 1,500 yen (first month free)

Results are simulation estimates based on 2026 Japanese tax law. Consult a tax professional before making major financial decisions.