Japan Income Wall Simulator

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 FY2026 tax reform: for 2026 income, the income-tax-free line is ¥1.78M, the spousal and dependent line ¥1.36M and the residence-tax line ¥1.19M. The October 2026 social insurance change is covered too. HOW IT HELPS YOUR HOUSEHOLD 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 and which month you reach a wall. It shows how much more you can earn each month — in yen, and in hours once you enter your hourly wage. 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. Shows what crossing a wall costs, in yen How much household net pay drops right after a wall, and how much you would have to earn to get back. If you are in the "working at a loss" dip, it tells you how far lowering your income would raise it. Walls calculated from the tax tables ¥1.19M, ¥1.30M, ¥1.36M, ¥1.69M, ¥1.78M and ¥2.07M for 2026 income. Wall amounts are derived from the deduction tables for each tax year, so your 2025 records use the 2025 rules. Each wall links to the National Tax Agency or the Japan Pension Service. Hours as well as yen From October 2026, joining your employer's social insurance depends on working 20 hours a week, not on earnings. The app shows this hours wall next to the yen walls. Everything stays on your device What you enter is stored and calculated on this device only. Nothing is sent anywhere. Export a backup before you change phones. WHAT PRO ADDS - Free: the calculation, charts, the list of walls, the “working at a loss” dip, monthly pay records, and up to 3 saved scenarios - Pro (one-time purchase): the year-end projection from your records with a monthly limit in yen and hours, alerts when a wall gets close, a home screen widget, unlimited saved scenarios, and past years’ records 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 using national average premium rates. The revised deductions are settled in the December 2026 year-end adjustment. Please check with your employer, local authority or tax office before making a big decision. ——— Terms of Use (EULA): https://freetokyolabs.com/homenetnavi/en/terms.html Privacy Policy: https://freetokyolabs.com/homenetnavi/en/privacy.html