What is the ceiling for tax-exempt low-income households?

For households exempt from local resident tax, the ceiling is reduced to 24,600 JPY/month (or 15,000 JPY if annual pension is 800,000 JPY or less).

Can married couples combine their care bills under one ceiling?

Yes. Monthly care expenses incurred by all family members living within the same household can be pooled against the single household ceiling.

JapanUpdated for 2026Health

Japan High-Cost Long-Term Care Service Fee Calculator 2026 (Kougaku Kaigo)

Calculate statutory monthly maximum out-of-pocket limits for elderly care services in Japan (standard 44,400 JPY/month) and municipal reimbursement refunds.

Health & Wellness Medical & Clinical Social Security & Pension

Calculated Result

Final Out-of-Pocket Payment

¥44,400

Monthly Care Reimbursement Refund

¥20,600

Calculator Inputs

Household Monthly Covered Care Copay (10-30% share)

Quick select:

Household Income Tier

Final Out-of-Pocket Payment

¥44,400

Monthly Care Reimbursement Refund

¥20,600

Statutory Monthly Copay Cap

¥44,400

Annual Cumulative Refund

¥247,200

Copay exceeds your statutory ceiling; the surplus is fully reimbursed upon municipal application.

Copay vs Refund Breakdown

Net Out-of-Pocket

¥44,400(68%)

Government Refund

¥20,600(32%)

Calculated under Long-Term Care Insurance Act Art. 51. Applies exclusively to insurance-covered service copays (10%-30%). Room and board costs are excluded.

This calculator is a mathematical model for fitness and nutrition estimation for general awareness only. Estimated results do not constitute medical diagnosis or a substitute for professional healthcare. Always consult a physician or certified nutritionist before starting any new diet or training regimen.

Official Statute: 介護保険法第51条 (高額介護サービス費・所得区分別月額自己負担限度額算定基準)Last Verified: 2026-09-03

Calculation Methodology

Reimbursement Refund = Max(Monthly Care Service Copays - Statutory Monthly Income Cap, 0).

Frequently Asked Questions

For standard taxable households, the statutory monthly out-of-pocket ceiling for covered long-term care services is 44,400 JPY.

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Japan

Japan High-Cost Long-Term Care Service Fee Calculator 2026 (Kougaku Kaigo)

Calculator Inputs

Copay vs Refund Breakdown

Calculation Methodology

Frequently Asked Questions

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