Freelance Income Calculator
Enter annual revenue and expenses to calculate your net income after income tax, resident tax, business tax, national health insurance, and national pension.
This tool is based on Japan's tax system (2024). It does not apply to residents outside Japan.
Monthly: ¥245,386
Breakdown
Tax Breakdown
Insurance Breakdown
Deduction Breakdown
* National health insurance rates vary by municipality. These are estimates.
How to Use
- STEP 1
- Enter your annual revenue and expenses
- STEP 2
- Select Blue Form deduction (None if self-filing white form)
- STEP 3
- Set your age, pension enrollment, and dependents
- STEP 4
- Add iDeCo and Small Business Mutual Aid contributions if applicable
Notes
- This tool is based on Japan's 2024 tax system
- National health insurance rates vary significantly by municipality (~11% estimate)
- Business tax is calculated as Type 1 business (5%)
- Consult a tax professional for accurate calculations
Tax Saving Tips
Blue Form filing provides up to ¥650K deduction (requires e-Tax + electronic records)
iDeCo contributions are fully deductible and earnings are tax-free
Small Business Mutual Aid is fully deductible and works as retirement fund
Proper expense tracking reduces taxable income
FAQ
QUESTION 1
How to calculate for side business income?
You can calculate side business income only. However, if combined with main job, your income tax rate may be higher than this estimate.
QUESTION 2
Blue Form vs White Form - what's the difference?
Blue Form requires bookkeeping but provides up to ¥650K deduction. White Form is simpler but has no deduction.
QUESTION 3
When does business tax apply?
Business tax applies when business income exceeds ¥2.9M. The rate is 3-5% depending on business type.
QUESTION 4
Why is national health insurance so expensive?
NHI premiums are income-based and higher earners pay more. Employees share premiums with employers, but self-employed pay 100%.
* Results are estimates. Actual taxes vary by individual circumstances. Consult a tax professional for accurate calculations.