What is the full basic pension?

FY2026 (from April 2026): JPY 70,608/month / JPY 847,300/year (+1.9% over the previous year, the 4th consecutive raise). That's the full amount for 40 years (480 months) of contributions between ages 20 and 60. Unpaid / exempt months are pro-rated.

Earnings-related formula?

Earnings-related = avg standard salary × 5.481/1000 × employees' pension months (post-April-2003 simplified formula). Example: JPY 350,000 avg × 5.481/1000 × 480 months = JPY 920,808/year. The pre-April-2003 formula (7.125/1000, no bonus) is NOT modelled here.

What goes into 'average standard salary'?

The bonus-inclusive monthly average over your employees' pension period. You can back-calculate from your annual nenkin-teiki-bin, or approximate as (gross salary + bonuses) / 12. The standard salary is capped (currently JPY 650,000), so amounts above that don't flow through.

Deferred / early-start adjustments?

Relative to age 65: deferring (66–75) adds 0.7% per month deferred; starting early (60–64) subtracts 0.4% per month early. E.g. deferring 5 years to age 70 = +42%. This tool computes the standard age-65 amount only — multiply manually for deferred / early-start figures.

Kakyu-nenkin (dependant add-on) and other supplements?

Kakyu-nenkin (for spouse-dependants, around JPY 390k/year), keikai-tekashinka (basic-pension gap fill), and furikae-kasan (post-kakyu spouse top-up) are NOT modelled here. They depend on individual household / history; cross-check with the nenkin-teiki-bin or JPS office.

How much is the National Pension premium?

FY2026: JPY 17,920/month (+JPY 410 vs prior year). 'Months' in this tool means months of paid contributions (+ pro-rated exempt months). Verify the exact months from the JPS office.

Maximum employees' pension months?

Employees' Pension allows enrollment up to age 70 (National Pension stops at 60). This tool caps the input at 600 months (50 years) — beyond that is rare and warrants individual consultation.

Relation to iDeCo / NISA?

This tool covers public pension only. For combined projections with iDeCo (individual DC) and NISA (tax-exempt investing), see ideco-nisa-calc. iDeCo's income-tax deduction + tax-free growth makes it a strong supplement to public pension.

Is my input uploaded?

No. Everything runs in your browser — salary and contribution history never leave the device.

Back to Finance

Japan pension estimator — basic + earnings-related (FY2026 figures)

Enter your accumulated months in the National Pension and the Employees' Pension, plus your average standard remuneration during the employees' pension period, to estimate the annual / monthly public pension you'll receive in retirement. Uses the FY2026 (令和 8 年度) full basic-pension figure of JPY 847,300/year (JPY 70,608/month) and the 5.481/1000 earnings-related multiplier (Heisei-15-and-later formula). Pro-rates by contributing months so partial careers (20–60 years of age, 25 / 30 / 35 years of coverage) work too. Runs entirely in your browser — salary figures never leave the device.

financecalculator

How to use

Enter your National Pension months (0–480), Employees' Pension months, and average standard salary during the employees' period (bonus-inclusive monthly average), then click Estimate pension. The output shows (1) the basic pension annual (and ratio to the full amount), (2) the earnings-related portion with its formula, and (3) the public-pension total annual and monthly equivalent. Uses the FY2026 (令和 8 年度) basic-pension full amount of JPY 847,300/year and the post-April-2003 multiplier of 5.481/1000.

FAQ

What is the full basic pension?: FY2026 (from April 2026): JPY 70,608/month / JPY 847,300/year (+1.9% over the previous year, the 4th consecutive raise). That's the full amount for 40 years (480 months) of contributions between ages 20 and 60. Unpaid / exempt months are pro-rated.
Earnings-related formula?: Earnings-related = avg standard salary × 5.481/1000 × employees' pension months (post-April-2003 simplified formula). Example: JPY 350,000 avg × 5.481/1000 × 480 months = JPY 920,808/year. The pre-April-2003 formula (7.125/1000, no bonus) is NOT modelled here.
What goes into 'average standard salary'?: The bonus-inclusive monthly average over your employees' pension period. You can back-calculate from your annual nenkin-teiki-bin, or approximate as (gross salary + bonuses) / 12. The standard salary is capped (currently JPY 650,000), so amounts above that don't flow through.
Deferred / early-start adjustments?: Relative to age 65: deferring (66–75) adds 0.7% per month deferred; starting early (60–64) subtracts 0.4% per month early. E.g. deferring 5 years to age 70 = +42%. This tool computes the standard age-65 amount only — multiply manually for deferred / early-start figures.
Kakyu-nenkin (dependant add-on) and other supplements?: Kakyu-nenkin (for spouse-dependants, around JPY 390k/year), keikai-tekashinka (basic-pension gap fill), and furikae-kasan (post-kakyu spouse top-up) are NOT modelled here. They depend on individual household / history; cross-check with the nenkin-teiki-bin or JPS office.
How much is the National Pension premium?: FY2026: JPY 17,920/month (+JPY 410 vs prior year). 'Months' in this tool means months of paid contributions (+ pro-rated exempt months). Verify the exact months from the JPS office.
Maximum employees' pension months?: Employees' Pension allows enrollment up to age 70 (National Pension stops at 60). This tool caps the input at 600 months (50 years) — beyond that is rare and warrants individual consultation.
Relation to iDeCo / NISA?: This tool covers public pension only. For combined projections with iDeCo (individual DC) and NISA (tax-exempt investing), see ideco-nisa-calc. iDeCo's income-tax deduction + tax-free growth makes it a strong supplement to public pension.
Is my input uploaded?: No. Everything runs in your browser — salary and contribution history never leave the device.

Related tools

Japanese retirement-allowance tax estimator — 退職所得控除 calculator

Enter your retirement allowance and tenure to estimate the retirement-income deduction (退職所得控除), taxable amount with the 1/2 rule, income tax, special reconstruction tax, resident tax and net take-home. Supports the short-tenure variants (短期退職手当等 / 特定役員退職手当等) and the disability bump. Runs entirely inside your browser — figures never leave your device.

financetaxcalculator

iDeCo / NISA tax-savings calculator — Japan tax-advantaged investing

Estimate the tax savings of Japan's two main tax-advantaged investment accounts. iDeCo mode tallies the annual income-tax + 10% resident-tax deduction on contributions (using the progressive bracket table) AND the 20.315% capital-gains exemption. NISA mode only applies the 20.315% gain exemption. Compare against the after-tax outcome of doing the same monthly contributions in a regular taxable brokerage account. Runs entirely in your browser — your figures never leave the device.

financetaxcalculator

Japan side-income tax estimator — the 200k-yen filing threshold

Plug in your salary, side-job revenue and expenses to estimate the extra income tax, reconstruction surtax and resident tax — plus net take-home — that the side gig adds on top of a salaried job. Detects the JPY 200,000/year filing threshold (no income tax under it, but resident tax filing is still required). Switch between miscellaneous and business income; business + blue-return adds the JPY 650,000 deduction. Runs entirely in your browser — figures never leave the device.

financetaxcalculator

Compound interest calculator — lump-sum & monthly contribution

Project the future value of an investment compounded over time. Supports three modes: principal only, monthly contributions, or annual contributions. Great for simulating Tsumitate NISA / iDeCo / certificates of deposit. Year-by-year balances can be exported as CSV. Principal, rate, and term stay in your browser — nothing is uploaded.

financecalculator