Enter your enrollment period and average standard monthly remuneration to estimate the lump-sum withdrawal payment (脱退一時金) you can claim after leaving Japan.
Pension Lump-Sum Refund Calculator
Estimate your lump-sum withdrawal payment after leaving Japan
The rate is capped at 60 months (5 years).
Take your total salary + bonus from your Gensen Choshuhyo and divide by months worked.
* This calculator gives a rough estimate only and may differ from the actual amount paid by the Japan Pension Service. You can reclaim part of the withheld tax by appointing a tax agent and filing a return.
How to Use
- Enter the number of months you were enrolled in Employees' Pension Insurance. The payout rate is capped at 60 months (5 years) of contributions.
- Enter your average standard monthly remuneration — your total salary and bonus from your Gensen Choshuhyo, divided by months worked.
- Click Calculate to see the applicable rate, the pre-tax lump-sum amount, the 20.42% Japan withholding tax, and your net amount.
How the calculation works
The lump-sum payment is your average standard monthly remuneration multiplied by a rate that increases with your enrollment period (published by the Japan Pension Service), capped at 60 months. Japan withholds 20.42% of the payout at source.
Lump-sum (pre-tax) = average monthly remuneration × rate by enrollment period
Net amount = pre-tax amount × (1 − 20.42%)
Frequently Asked Questions
Q. Does the rate keep increasing past 60 months?
A. No. The rate is capped once you reach 60 months (5 years) of contributions — additional enrollment beyond that doesn't increase the lump-sum rate.
Q. Can I get the withheld 20.42% back?
A. Yes. If you appoint a tax agent before leaving Japan, you can file a tax return the year after receiving the payment (within 5 years) and reclaim part of the withheld amount.
Q. What if I was enrolled for less than 6 months?
A. You're not eligible for the lump-sum payment if your enrollment period is under 6 months.
Key Takeaways
- The payout rate rises with enrollment period but is capped at 60 months (5 years).
- 20.42% is withheld at source; appointing a tax agent lets you reclaim part of it via a tax return.
- You must claim within 2 years of leaving Japan.
The lump-sum refund lands in a Japanese bank account. If you have already left, you then have to move it home — and that is where a second round of fees appears.
On an amount this size, a 1–2% exchange rate spread is worth tens of thousands of yen. It is worth comparing your bank’s rate against the mid-market rate.
Compare transfer costs first →
If you live in Japan, sign up for a Japanese account — that is what lets you send from your local bank.
New to Wise? Start with how to sign up in Japan — the ID you need, how long verification takes, and the mistake that gets most applications rejected.
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