What is the monthly contribution limit for corporate employees?

Corporate employees without company pensions can contribute up to 23,000 JPY/month (276,000 JPY/year).

Are investment gains within iDeCo tax-free?

Yes. All capital gains and dividends generated inside iDeCo accounts are 100% tax-exempt.

JapanUpdated for 2026Finance

Japan iDeCo Tax Savings Calculator 2026 (Individual DC Pension)

Calculate your annual income tax and resident tax savings from Japan's iDeCo (Individual Defined Contribution Pension Plan) contributions through 100% statutory income deductions.

Pensions & Superannuation Retirement & Pensions Income Tax & Brackets

Calculated Result

Annual Tax Savings

¥82,800

Cumulative Lifetime Tax Savings

¥1,656,000

Calculator Inputs

Gross Annual Income

Quick select:

Monthly iDeCo Contribution

Quick select:

Years of Contribution

Quick select:

Annual Tax Savings

¥82,800

Cumulative Lifetime Tax Savings

¥1,656,000

Annual Contribution Total

¥276,000

Total Capital Contributed

¥5,520,000

Your contribution generates over 50,000 JPY in guaranteed annual tax savings.

Contribution vs Tax Savings

Annual Contribution

¥276,000(77%)

Tax Saved Per Year

¥82,800(23%)

Tax relief modeled on marginal income and resident tax rates under the Defined Contribution Pension Act.

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: 確定拠出年金法 (Defined Contribution Pension Act) 及び所得税法第76条 (小規模企業共済等掛金控除)Last Verified: 2026-09-03

Calculation Methodology

Annual Tax Saved = Annual Contribution × (Income Tax Rate + Resident Tax 10%)

Frequently Asked Questions

Yes. Every yen contributed is fully deductible against taxable income, lowering both national income tax and municipal resident tax.

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Calculator Inputs

Contribution vs Tax Savings

Calculation Methodology

Frequently Asked Questions

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