Pension Lump-Sum Calculator (脱退一時金)
Estimate your Japanese pension refund when leaving Japan permanently. Supports both Employees' Pension (Kosei Nenkin) and National Pension (Kokumin Nenkin).
Your Pension Details
Your average standard monthly remuneration during the contribution period. Check your Nenkin Teiki-bin (ねんきん定期便) for this value.
Number of months you contributed. Must be 6-119 months (less than 10 years).
Your Pension Refund Estimate
Gross Lump-Sum
￥990,000
Tax Withheld (20.42%)
-￥202,158
Net Payment (After Tax)
￥787,842
- Contribution Period
- 36 months (3 Years)
- Payment Rate
- 3.3 (Used: 36 months)
⚠ This is an estimate. Actual amounts are determined by the Japan Pension Service. You must apply within 2 years of leaving Japan. For Kosei Nenkin, 20.42% tax is withheld (reclaimable through a tax representative). For Kokumin Nenkin, no tax is withheld — you receive the full amount.
Learn more about the lump-sum withdrawal on the Japan Pension Service website
How to Reclaim the 20.42% Withholding Tax
The 20.42% tax withheld from your Employees' Pension lump-sum is fully refundable, but the process requires a representative in Japan and must follow strict chronological steps.
How to Reclaim the 20.42% Withholding Tax
The 20.42% tax withheld from your Employees' Pension lump-sum is fully refundable, but the process requires a representative in Japan and must follow strict chronological steps.
1. Appoint a Tax Representative (納税管理人) — BEFORE leaving Japan
You must designate a resident of Japan (trusted friend, former colleague, or professional tax proxy) to handle your tax affairs. Fill out the Declaration Naming a Person to Administer the Taxpayer's Tax Affairs (納税管理人の届出書) and submit it to the local tax office (税務署) that governs your final Japanese address.
2. Apply for the Pension Lump-Sum — AFTER deregistering residency
Once you have officially moved out of Japan and submitted your Moving-Out Notice (転出届) to your local ward office, mail your pension refund application to the Japan Pension Service in Tokyo.
3. Wait for Payment and the Official Notice — 3 to 6 months
The Japan Pension Service will deposit the net lump-sum (79.58% of the total) into your overseas bank account. Shortly after, they will mail a physical Notice of Lump-Sum Withdrawal Payment (脱退一時金支給決定通知書) to your overseas home address.
4. Mail the Original Notice to Japan — original document required
The Japanese Tax Office will not accept a scan, photocopy, or PDF of the Notice. You must mail the physical, original document internationally to your designated Tax Representative in Japan.
5. Representative Files the Tax Return — deadline: 5 years from departure
Your Tax Representative takes your original Notice to your former local tax office and files a Final Tax Return (確定申告) on your behalf. The tax office will process the return and deposit the 20.42% refund directly into your Representative's Japanese bank account (usually 1-2 months).
6. Representative Transfers the Refund — international bank fees apply
Once the funds clear, your Tax Representative remits the money from their Japanese account to your overseas bank account. Discuss how international transfer fees (SWIFT, Wise, etc.) will be handled beforehand.