How is the salaried corporate Employees' Pension calculated?

The earnings-related Employees' Pension is determined by your career average monthly salary multiplied by 0.005481 per insured contribution month.

How much does delaying your pension start increase payouts?

Delaying pension uptake between ages 66 and 75 increases your monthly benefit by 0.7% per month of delay, up to a permanent +84% lifetime boost at age 75.

JapanUpdated for 2026Finance

Japan Public Pension Estimate Calculator 2026 (Nenkin Simulator)

Calculate your estimated retirement pension benefits under Japan's dual-tier public pension system: National Basic Pension (Kokumin Nenkin) and Employees' Pension (Kosei Nenkin) starting at age 65.

Retirement & Pensions Pensions & Superannuation Salaries & Monthly Wages

Calculated Result

Annual Public Pension Total

¥1,736,808

Monthly Equivalent Pension

¥144,734

Calculator Inputs

Career Average Monthly Salary

Quick select:

Years in Employees' Pension (Company Worker)

Quick select:

National Pension Paid Months (Max 480)

Quick select:

Annual Public Pension Total

¥1,736,808

Monthly Equivalent Pension

¥144,734

Basic National Pension (Tier 1)

¥816,000

Employees' Pension (Tier 2)

¥920,808

Over 25 years in the corporate pension system builds a robust earnings-related Tier 2 pension foundation.

Pension Tier 1 vs Tier 2 Breakdown

Tier 1: Basic Pension

¥816,000(47%)

Tier 2: Employees' Pension

¥920,808(53%)

Calculated under 2026 statutory pension values (Full basic pension: 816,000 JPY/year) and career wage multipliers (5.481/1000). Does not include dependent spouse additions (Kakyu Nenkin).

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: 国民年金法第27条 (老齢基礎年金の額) 及び厚生年金保険法第43条 (報酬比例年金額の算定乗率5.481/1000)Last Verified: 2026-09-03

Calculation Methodology

Basic Pension = 816,000 JPY × (Paid Months ÷ 480); Employees' Pension = Career Average Monthly Wage × (5.481 ÷ 1000) × Insured Months.

Frequently Asked Questions

40 full years (480 months) of contributions between ages 20 and 60 are required to receive the maximum Basic Pension (approx 816,000 JPY/year or 68,000 JPY/month).