Japan Child & Childcare Support Levy Calculator (April 2026) | Monthly estimate by insurer
Estimate your monthly and annual burden under Japan's new Child and Childcare Support Levy (starting April 2026), based on your health insurer type (Kyokai Kenpo, company health insurance union, mutual aid association, National Health Insurance, or the elderly medical system) and annual income, using figures published by the Children and Families Agency. Also see the projected FY2026-FY2028 system-wide average trend. Your income is processed entirely in your browser and never sent anywhere.
The income you enter is processed entirely inside your browser and is never sent anywhere.
These are estimates only. Please confirm the exact amount with your insurer (your Kyokai Kenpo branch, health insurance union, mutual aid association, municipality, or late-stage elderly medical association).
Estimated burden
Select your health insurance type and enter your annual income to see an instant estimate.
FY2026 (starting April 2026) monthly estimate
- Estimated monthly amount
- Estimated annual amount
Your entered income falls outside the range of published estimates, so the closest in-range figure is shown as a reference.
Year-by-year trend (FY2026 → FY2027 → FY2028, system-wide average)
- FY2026
- FY2027 (projected)
- FY2028 (projected)
This trend reflects the system-wide average per enrollee, not an income-specific estimate. Only FY2026 has a published income-based breakdown (for employer-based insurance), so FY2027 onward is shown as the system average for reference.
Official Children and Families Agency materials state that, because spending reforms to social security are being carried out at the same time, the burden from this levy is offset and no net additional burden results. This tool presents that statement as-is, as the government's official position, without evaluating whether it is correct.
How to use
- Select your health insurance type (Kyokai Kenpo, health insurance union, mutual aid association, National Health Insurance, or the elderly medical system).
- Enter your annual income.
- See the estimated FY2026 monthly and annual amount instantly, along with the projected FY2026-FY2028 trend.
How it works
About the Child and Childcare Support Levy
Collection begins with the April 2026 premium (withheld from pay in practice from May). The calculation method differs depending on your health insurance type.
Kyokai Kenpo, health insurance unions, and mutual aid associations (employer-based insurance)
A single nationally uniform levy rate is used (0.23% for FY2026).
- Total annual levy = annual income (standard total remuneration) x 0.23%
- Total monthly amount = annual total / 12 (rounded to the nearest yen)
- Your share = total monthly amount / 2 (rounded to the nearest yen; the other half is paid by your employer)
This formula matches all five reference figures published by the Children and Families Agency (annual income ¥2M -> ¥192, ¥4M -> ¥384, ¥6M -> ¥575, ¥8M -> ¥767, ¥10M -> ¥959 per month).
National Health Insurance and the elderly medical system
These involve income-based reduction tiers for lower earners, and no simple rate formula has been published. This tool instead shows the closest published reference figure to your entered income, taken directly from the Children and Families Agency's tables. If your income falls outside the published range, the closest in-range figure is shown instead, with a note.
About the year-by-year trend
An income-based breakdown has only been published for FY2026, and only for employer-based insurance. For FY2027 and FY2028, this tool shows the system-wide average per enrollee (as published by the Children and Families Agency) as a reference trend, rather than an income-specific estimate. Actual individual amounts may change depending on future wage levels.
About the 'no net burden' statement
Official Children and Families Agency materials state that simultaneous social security spending reforms are expected to offset the burden from this levy, resulting in no net additional burden. This tool presents that statement as-is, as the government's official position, without evaluating whether it holds true.
What this tool does not calculate
Long-term care insurance premiums for people aged 40-64 are a separate system and are not included here. The actual amount for National Health Insurance and the elderly medical system is ultimately set by municipal ordinance, so the figures in this tool are estimates only.
FAQ
Why is the calculation different for Kyokai Kenpo versus National Health Insurance?
Kyokai Kenpo, health insurance unions, and mutual aid associations (employer-based insurance) use a simple, published formula: a nationally uniform levy rate (0.23% for FY2026) applied to income. National Health Insurance and the elderly medical system have income-based reduction tiers for lower earners, and no simple rate formula has been published, so this tool uses the closest published reference figure by income instead.
Why are FY2027 and FY2028 shown as a 'system-wide average' rather than a personalized figure?
The Children and Families Agency has only published an income-based breakdown for FY2026, and only for employer-based insurance. Beyond that, future amounts depend on wage levels that are hard to project, so only the system-wide average per enrollee has been published. This tool follows suit and shows that average as a reference trend for FY2027 onward.
What does 'no net additional burden' mean?
This is the government's official position, stated in Children and Families Agency materials: simultaneous reforms to social security spending are expected to offset the burden from this new levy. This tool presents that statement as-is, without evaluating whether it is accurate.
Is the income I enter sent anywhere?
No. All calculations happen entirely in your browser, and nothing is sent to any external server.
Is the amount shown a confirmed, final figure?
No, it is an estimate. In particular, the amount for National Health Insurance and the elderly medical system is ultimately determined by municipal ordinance, so please confirm the exact figure with your actual insurer (your Kyokai Kenpo branch, health insurance union, mutual aid association, municipality, or late-stage elderly medical association).
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