Pension lump-sum withdrawal calculator

If you paid into Japan's pension for 6 months or more and leave Japan, you can get part of it back as a Lump-sum Withdrawal Payment (脱退一時金). Up to 60 months are counted.

National Pension (self-employed, students, unemployed)

Last month you paid the premium

Months fully paid

Half-exempt months (optional)

Employees' Pension (company employees)

Last month of coverage (month before you left the job)

Months insured

Average monthly salary before tax (standard remuneration)

Total bonuses in that period (optional)

Your "standard monthly remuneration" is close to your monthly pay including allowances (max ¥650,000). It is on your payslip or pension record (ねんきん定期便).

Claim deadline

Date you moved out of Japan (転出日)

Who can claim

You are not a Japanese national, and you no longer have an address in Japan (you filed a moving-out notification, 転出届).
You paid into the National Pension, or were covered by the Employees' Pension, for 6 months or more. The two are not added together.
You do not qualify for a Japanese old-age pension (less than 10 years in total) and never had a right to a disability pension.
You claim within 2 years of moving out of Japan.

Before you claim

All your Japanese pension periods used for the payment are erased — including months beyond the 60-month cap. If you might come back to Japan for a long time, think first.
Countries with a totalization agreement with Japan (USA, Germany, France, Canada, Australia, Brazil, Philippines, India, Spain and others — 20 countries): after the payment you can no longer add your Japanese periods to your home country pension. The UK, Korea, China and Italy agreements do not add periods.
If you stay longer than 5 years, claim each time you leave Japan (for example after Technical Intern Training, then again after Specified Skilled Worker).
A cap of 8 years has been announced but is not in force yet. A rule that you cannot claim while holding a re-entry permit has also been passed and will start by June 2029 at the latest.

Getting the 20.42% tax back

Only the Employees' Pension part is taxed (20.42% withheld). The National Pension part is not.
Before you leave Japan, appoint a tax agent (納税管理人, anyone living in Japan) and file the notification at the tax office of your last address.
After you receive the payment, send the payment notice to your agent. From 1 January of the next year, they file a "Tax Return for Refund Due to Taxation on Retirement Income at the Taxpayer's Option".
If you had no other retirement allowance in the same year, the whole withheld tax is usually refunded (as in the National Tax Agency's example).

How to claim

Use the Lump-sum Withdrawal Payment Claim Form (one form for both pensions, available in 14 languages).
Send it by post to the Japan Pension Service, or apply online through e-Gov. You can send it before you leave if it arrives after your moving-out date.
Attach a copy of your passport, proof of your bank account (a Japan Post Bank account cannot receive it) and your Basic Pension Number.
Payment arrives about 4 months after the form is received.

National Pension amounts (base month April 2026 – March 2027)

Months	Amount
6–11	¥53,760
12–17	¥107,520
18–23	¥161,280
24–29	¥215,040
30–35	¥268,800
36–41	¥322,560
42–47	¥376,320
48–53	¥430,080
54–59	¥483,840
60 or more	¥537,600

Employees' Pension payment rates

Months	Payment rate
6–11	0.5
12–17	1.1
18–23	1.6
24–29	2.2
30–35	2.7
36–41	3.3
42–47	3.8
48–53	4.4
54–59	4.9
60 or more	5.5

Sources

Last checked: 2026-10-07. This calculator is an estimate, not legal or tax advice. The Japan Pension Service decides the actual amount.