Estimator · Pension lump-sum
Estimate your Nenkin refund
Put in your average monthly pay and how many months you paid into the pension. The calculator uses the payment multiplier the Japan Pension Service applies, then shows the 20.42% tax held back and what we can claim on top.
Step 1 · Which pension did you pay?
Step 2 · Average monthly pay before deductions
Standard monthly remuneration
¥
per month
Use the average gross pay across your whole time in Japan, including overtime. Bonuses paid from April 2021 count too.
Step 3 · Months of contributions
Months paid
months
Six months is the minimum to claim. Sixty months is the maximum paid back for contributions from April 2021 onwards.
Your estimation
Payment multiplier
Gross lump-sum
Tax withheld at 20.42%
First payment to your bank
Tax we claim back for you
Our fee for both claims
Estimated total in your hand
An estimate, not a quote from the pension office. The real amount depends on your recorded contribution months and standard remuneration grades.How the numbers work at 3, 5 and 10 years
The maths
How the number is worked out
For the employees' pension, the lump-sum is your average standard monthly remuneration multiplied by a payment multiplier set by your contribution months. The multiplier rises in six-month steps, so paying one extra month can move you into the next band.
6 to 11 months
× 0.5
12 to 17 months
× 1.1
24 to 29 months
× 2.2
36 to 41 months
× 3.3
48 to 53 months
× 4.4
60 months
× 5.5
Multipliers move when the pension premium rate changes. We check the current table on the day we file.
Three things that change the result
- Contribution months before April 2021 are capped at 36, even if you worked longer. Months from April 2021 on are capped at 60.
- The pension office uses its own record of your standard remuneration grade, not your payslip average. Small gaps are normal.
- National pension lump-sums come from a fixed table and have no tax withheld, so there is no second payment to claim.
Next step
Send us a photo of your pension book. We pull your real contribution months and give you a firm figure instead of an estimate.