Japan Income Wall Simulator

Updated for the 2025 tax reform and the October 2026 social insurance change. Enter your pay each month and see where the year lands and which month you reach a wall.

Enter what you were paid each month and see where this year lands, and which month you reach one of Japan's income walls. Updated for the 2025 tax reform and the October 2026 social insurance changes.

WHAT IT DOES

Projects your year-end from what you actually earned Enter your pay month by month and the app works out where the year lands at that pace. It tells you things like "at this pace you reach the 1.3M yen wall in November" and "keep the remaining 5 months under 100,000 yen each and you stop short of it." Based on your records, not a guess.

Decides on household net pay, not just your own The calculation includes the deduction your partner loses as you earn more, so you can choose your hours on what the household actually keeps rather than on staying under a number.

Shows what crossing a wall costs, in yen Not just a dip on a chart: it shows how much household net pay drops right after you cross, and how much you would have to earn to get back to where you were.

Handles the October 2026 change The earnings requirement for the 1.06M yen wall is removed in October 2026. After that, joining social insurance is decided by your hours rather than the amount, so the calculation switches based on the date. The scheduled reductions in the employer size requirement are covered too.

Six walls, each with its official source 1.06M, 1.10M, 1.23M, 1.30M, 1.60M and 2.016M yen. What each one is and what changes when you pass it, with links to the National Tax Agency and the Japan Pension Service.

Hourly wage, and family members you support Work out your annual income from your hourly wage and hours. Households with a child aged 19 to 22 are covered by the special relative deduction introduced in 2025.

Everything stays on your device What you enter is stored and calculated on this device only. Nothing is sent anywhere.

PRICING

• Free: the calculation, charts, the list of walls, monthly records and the year-end projection, and up to 3 saved scenarios
• Pro (monthly or yearly): unlimited saved scenarios, alerts when a wall gets close, and a home screen widget

The accuracy of the calculation is the same on the free plan.

Note: this app calculates Japanese income tax, residence tax and social insurance only.

This is an estimate. It uses national average premium rates and a nationwide guide figure for national health insurance. Your actual amounts depend on your employer and your local authority. Please check with them or your tax office before making a big decision.

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