Lump-sum Withdrawal Calculator
This calculator estimates your potential lump-sum withdrawal payment based on your contribution period and average monthly salary.
Note: This calculation is only an estimate. The actual amount may vary depending on various factors.
Enter between 6 and 60 months (max refund period is 5 years)
How the Calculation Works
The Japanese lump-sum withdrawal payment calculation is based on your average monthly standard remuneration, your insured period, and a fixed multiplier.
The Formula
Lump-sum Withdrawal Payment = Your Average Monthly Standard Remuneration × Multiplier (based on your insured period)
Multipliers by Insured Period
| Insured Period | Number used for payment rate calculation | Multiplier |
|---|---|---|
| 6-11 months | 6 | 0.5 |
| 12-17 months | 12 | 1.1 |
| 18-23 months | 18 | 1.6 |
| 24-29 months | 24 | 2.2 |
| 30-35 months | 30 | 2.7 |
| 36-41 months | 36 | 3.3 |
| 42-47 months | 42 | 3.8 |
| 48-53 months | 48 | 4.4 |
| 54-59 months | 54 | 4.9 |
| 60+ months | 60 | 5.5 |
A 20% income tax is withheld from the lump-sum payment. However, non-Japanese residents can apply for a tax refund to recover this amount.