Take-Home Pay Comparison

See your real monthly disposable income across 4 Japan cities and 3 US metros — taxes, rent, and living costs all factored in.

Monthly Disposable Income Ranking

#1
☕Seattle
$8.1k
#2
🌁San Francisco
$5.7k
#3
🗽New York City
$4.4k
#4
🌸Fukuoka
$3.7k
#5
🏭Nagoya
$3.6k
#6
🏯Osaka
$3.5k
#7
🗼Tokyo
$3.1k

All amounts converted to USD at the entered exchange rate. Japan figures use the ¥/$ rate above.

🇯🇵 Japan Cities

🗼

Tokyo

¥472,057 ($3,147)▼

Annual Deductions

Social Insurance (~14.75%)−¥1,770,000
National Income Tax−¥1,182,318
Residence Tax−¥785,000
Annual Net¥8,262,682
≈ $55,085

Monthly

Monthly Net¥688,557
Rent (1LDK, Tokyo)−¥140,000
Food−¥60,000
Utilities−¥8,000
Internet + Phone−¥8,500
Monthly Disposable¥472,057
≈ $3,147
🏯

Osaka

¥532,057 ($3,547)▼

Annual Deductions

Social Insurance (~14.75%)−¥1,770,000
National Income Tax−¥1,182,318
Residence Tax−¥785,000
Annual Net¥8,262,682
≈ $55,085

Monthly

Monthly Net¥688,557
Rent (1LDK, Osaka)−¥90,000
Food−¥50,000
Utilities−¥8,000
Internet + Phone−¥8,500
Monthly Disposable¥532,057
≈ $3,547
🏭

Nagoya

¥547,057 ($3,647)▼

Annual Deductions

Social Insurance (~14.75%)−¥1,770,000
National Income Tax−¥1,182,318
Residence Tax−¥785,000
Annual Net¥8,262,682
≈ $55,085

Monthly

Monthly Net¥688,557
Rent (1LDK, Nagoya)−¥80,000
Food−¥45,000
Utilities−¥8,000
Internet + Phone−¥8,500
Monthly Disposable¥547,057
≈ $3,647
🌸

Fukuoka

¥552,057 ($3,680)▼

Annual Deductions

Social Insurance (~14.75%)−¥1,770,000
National Income Tax−¥1,182,318
Residence Tax−¥785,000
Annual Net¥8,262,682
≈ $55,085

Monthly

Monthly Net¥688,557
Rent (1LDK, Fukuoka)−¥75,000
Food−¥45,000
Utilities−¥8,000
Internet + Phone−¥8,500
Monthly Disposable¥552,057
≈ $3,680

🇺🇸 US Metro Cities

🌁

San Francisco

$5,682▼

Annual Deductions

FICA (SS + Medicare)−$13,353
Federal Income Tax−$37,539
CA State Tax + SDI−$16,569
Annual Net$132,539

Monthly

Monthly Net$11,045
Rent (1LDK, San Francisco)−$3,400
Food−$800
Utilities−$145
Internet + Phone−$110
Health insurance−$728
Transportation−$180
Monthly Disposable$5,682
☕

Seattle

#1
$8,090▼

Annual Deductions

FICA (SS + Medicare)−$13,353
Federal Income Tax−$37,539
Annual Net$149,108

Monthly

Monthly Net$12,426
Rent (1LDK, Seattle)−$2,500
Food−$650
Utilities−$145
Internet + Phone−$110
Health insurance−$761
Transportation−$170
Monthly Disposable$8,090
🗽

New York City

$4,381▼

Annual Deductions

FICA (SS + Medicare)−$13,353
Federal Income Tax−$37,539
NY State Tax−$10,924
NYC City Tax−$7,317
Annual Net$130,867

Monthly

Monthly Net$10,906
Rent (1LDK, New York City)−$4,100
Food−$900
Utilities−$145
Internet + Phone−$110
Health insurance−$1,100
Transportation−$170
Monthly Disposable$4,381

Estimates only. Japan figures use standard employment income deduction, basic deduction, and reconstruction surtax. US figures use 2024 single-filer brackets with standard deduction. Rent is a rough average for livable central areas. Individual circumstances will vary.