Social Insurance Calculator

Calculate National Health Insurance and National Pension premiums

Your numbers

Business income (after blue-return deduction)

The income figure on your tax return (revenue − expenses − blue-return deduction)

Annual Social Insurance Total

¥765,619

Percentage of Income: 15.3%

Monthly Average

¥63,802

Annual Social Insurance Total

Share of income (the bar runs to 30%)

NHI Premium Breakdown

Medical Portion¥390,807

Elderly Support Portion¥145,560

Child & child-rearing support¥14,212

NHI Total¥550,579

Assumes nobody but you has income, that you are the head of the household, and that you were enrolled all year. Low-income reductions and the children's reductions are applied.

Tokyo 23 wards (shared rates, not Edogawa): official FY2026 rates

National Pension

Monthly Premium¥17,920

Annual Premium¥215,040

Comparison with Employment

As Self-Employed¥765,619

As Employee¥723,132

Difference+¥42,487

Social insurance is deductible too

Denpyo helps track all your deductible payments.

Scan
Organize
Tax ready

Try it free now

About the Social Insurance Calculator

Estimate FY2026 Japan National Health Insurance (国保) and National Pension (¥17,920 a month) for the self-employed, with official rates for Tokyo's 23 wards and major cities, and compare with employee insurance.

How to use this estimate

Enter your details, review the result, then adjust the inputs to compare scenarios. The result is an estimate, not a tax return.

Social Insurance Calculator

Your numbers

NHI Premium BreakdownHelp

National PensionHelp

Comparison with EmploymentHelp

Calculation Notes