What is the 500,000 JPY combined monthly threshold?

If the sum of your monthly wage (including 1/12th of annual bonuses) and your monthly Employees' Pension is 500,000 JPY or less, zero pension is reduced.

Does freelance or sole-proprietor income trigger pension reductions?

No. The working pension reduction applies strictly to corporate employees enrolled in the corporate Employees' Pension system.

JapanUpdated for 2026Finance

Japan Working Senior Pension Clawback Calculator 2026 (Zaishoku Rourei Nenkin)

Calculate statutory Japanese pension benefit reductions for seniors 65 and older earning salaries alongside pension payments under the 500,000 JPY monthly combined earnings threshold.

Pensions & Superannuation Retirement & Pensions Salaries & Monthly Wages

Calculated Result

Actual Monthly Pension Received

¥110,000

Monthly Pension Clawed Back

¥0

Calculator Inputs

Gross Monthly Salary

Quick select:

Past 12 Months Gross Bonuses

Quick select:

Statutory Monthly Employees' Pension

Quick select:

Actual Monthly Pension Received

¥110,000

Monthly Pension Clawed Back

¥0

Combined Monthly Income

¥480,000

Total Evaluated Base

¥480,000

Monthly Wage Base

¥370,000

Combined earnings are under the 500,000 JPY threshold; 100% of pension is paid.

Pension Payout vs Reduction

Net Received Pension

¥110,000(100%)

Pension Clawback

¥0(0%)

Calculated under Employees' Pension Act Art. 46 (500,000 JPY threshold). Clawbacks apply exclusively to Tier 2 Employees' Pension; Basic National Pension is paid in full.

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: 厚生年金保険法第46条 (在職老齢年金・65歳以上総報酬月額相当額と基本月額の合計50万円基準による支給停止)Last Verified: 2026-09-03

Calculation Methodology

Monthly Pension Cut = (Total Monthly Salary Base + Monthly Kosei Nenkin - 500,000 JPY) ÷ 2.

Frequently Asked Questions

No. Clawbacks apply strictly to the earnings-related Tier 2 Employees' Pension. The Tier 1 Basic National Pension is paid in full regardless of wage levels.