Japan Pension Calculator 2026

Japan's public pension system has two tiers. The National Pension (国民年金/Kokumin Nenkin) covers all residents aged 20-59 with a flat monthly contribution of ¥16,980. After 40 years of full contributions, the basic pension pays ¥816,000 per year (¥68,000/month) from age 65.

Employees enrolled in social insurance also contribute to the Employees' Pension (厚生年金/Kousei Nenkin). The contribution rate is 18.3% of standard monthly remuneration, split equally between employer and employee. The benefit is calculated as: average monthly remuneration × 5.481/1000 × contribution months.

You can claim your pension early from age 60 (with a 0.4% reduction per month) or defer up to age 75 (with a 0.7% increase per month). Deferring to 70 increases your pension by 42%.