English 한국어

Japan Pension Refund Calculator

Check whether your Japan pension refund plan is ready before leaving: pension type, paid months, 60-month calculation cap, two-year filing window, bank or remittance access, resident tax and NHI cleanup, and tax representative follow-up for Employees' Pension 20.42% withholding cases.

  • Lump-sum withdrawal
  • Application form
  • Two-year filing
  • 60-month cap
  • 20.42% tax
  • Tax representative
  • Bank account
  • Refund remittance
  • NHI leaving
  • Working holiday exit
Check refund eligibility Check tax representative First 14 days records Bank/remittance access

Choose the next pension refund route

Use this shortcut for pension refund amount, lump-sum withdrawal, tax representative, final resident tax, NHI withdrawal, bank access, and remittance searches before or after leaving Japan.

Advertisement

Choose the pension refund path by goal

First 14 days, pension number, and employer setup

If the user is still early in Japan, capture the records that later become refund evidence: address registration, My Number, pension number, employer enrollment, bank account, and first payslip. Start with the first 14 days checklist and payslip deduction calculator.

Refund calculator, amount, or eligibility

If the search is Japan pension refund calculator, Japan pension refund for foreigners calculator, or how much pension refund in Japan, start with the checker above. It is a readiness signal, not the official Japan Pension Service payout formula.

Application form, claim form, or bank account

If the search is Japan pension refund application form, lump-sum withdrawal payment claim form, bank details, or documents, prepare departure records and payment access with the Japan bank account checklist and remittance checklist before losing access to local paperwork.

How long, two-year window, or after leaving

If the query is Japan pension refund how long, after leaving Japan, or two-year window, use the Leaving Japan checklist so moving-out notification, resident tax, NHI withdrawal, and tax representative timing are handled together.

Tax representative and 20.42% withholding

If the search is Japan pension refund tax representative, 20.42% tax, or Employees' Pension refund tax, open the tax representative checklist and Japan income tax calculator before assuming the withheld tax is automatically recovered.

  • Japan pension refund calculator
  • Japan pension refund application form
  • Japan lump-sum withdrawal payment claim form
  • application for lump sum withdrawal payments Japan form
  • Japan pension refund for foreigners
  • Japan pension refund for foreigners calculator
  • Japan pension refund how long
  • Japan lump-sum withdrawal how long
  • Japan pension lump sum withdrawal how long
  • Japan pension refund tax representative
  • Japan pension refund tax representative form
  • Japan pension refund form
  • Japan lump-sum withdrawal payment
  • Japan pension refund after leaving
  • Japan pension refund two years
  • Japan pension refund bank account
  • Japan pension refund remittance
  • Japan pension refund before closing bank account
  • Japan pension refund resident tax
  • Japan pension refund NHI leaving
  • Japan Employees' Pension refund tax
  • Japan pension refund 20.42 tax
  • Japan National Pension refund
  • Japan pension refund working holiday
  • How much pension refund in Japan

Japan pension refund checklist

After leaving Japan

Japan Pension Service says non-Japanese short-term contributors can apply after leaving Japan and no longer being covered by the pension system.

Two-year window

The claim should be filed within two years after leaving Japan or after you no longer have an address in Japan.

Employees' Pension tax

Employees' Pension lump-sum withdrawal payments may have 20.42% income tax withheld. A separate tax refund follow-up may be possible through the required procedure.

Bank account and payment access

Confirm payment instructions, account access, and whether you need a remittance route before closing Japanese accounts.

Remittance route

Use this when overseas payment, provider limits, account name matching, transfer records, source/purpose records, or post-departure access could affect refund planning.

Tax representative follow-up

Employees' Pension users should check nozei kanrinin need for possible tax refund follow-up after the pension payment.

Before you leave Japan

  • Confirm whether you paid National Pension, Employees' Pension, or both.
  • Collect your pension number, residence history, bank details, and departure records.
  • Keep first 14 days records, first payslip, pension enrollment evidence, bank opening documents, and remittance details together.
  • Decide whether you need a tax representative before losing easy access to local paperwork.
  • Confirm moving-out notification, National Health Insurance withdrawal, and card return if you are enrolled in municipal NHI.
  • Use the working holiday tax calculator if your employer withheld 20.42% from salary.
Open leaving Japan checklist Open first 14 days checklist Open bank checklist Open remittance checklist Open NHI leaving checklist Estimate resident tax Open tax representative checklist Open working holiday tax calculator Review health insurance costs

20.42% tax: pension refund vs working holiday salary

Employees' Pension

Lump-sum withdrawal tax follow-up

The NTA says Employees' Pension lump-sum withdrawal payments have 20.42% income tax withheld. A refund claim can be possible through the required return route with the entitlement notice and a tax agent in Japan.

Working holiday salary

Salary withholding is a different route

The NTA working holiday page says many under-one-year non-resident salary cases are completed through 20.42% withholding, with no final return or salary-tax refund. Do not mix this with the Employees' Pension tax follow-up.

Departure order

Set the agent before access is lost

If you still need national-tax procedures after leaving Japan, the NTA leaving-Japan page says you need a Japan-resident tax agent or you must handle required return/payment steps before departure.

Departure paperwork sequence

1. Before moving out

Collect pension number evidence, bank account details, residence card and address records, employer pension records, NHI withdrawal status, resident tax plan, and any documents needed by your municipality or tax office.

2. After leaving Japan

Confirm you are no longer covered by the Japanese pension system and file within the official window. The Japan Pension Service page links to application materials in English, Korean, Vietnamese, and other languages.

3. After the pension payment

If Employees' Pension tax was withheld, review whether a tax representative or separate income-tax refund procedure is relevant. This is why the pension page links back to the working holiday tax and income tax pages.

Pension refund FAQ

What are the most common topics?

Users usually search for Japan pension refund calculator, lump-sum withdrawal payment, how long it takes, application form, tax representative, and whether Employees' Pension tax can be recovered.

Can working holiday users apply?

They may be able to apply if they meet the official conditions, including contribution months, leaving Japan, no longer being covered, and filing within the allowed window.

Should I close my Japanese bank account first?

Do not rely on a generic rule. Confirm payment instructions and required bank details from the official form before closing accounts or losing access to local documents.

Advertisement

Official sources

Sources checked on June 25, 2026. Japan Pension Service lists the page as last updated April 7, 2026 and points users to multilingual application materials. Its application PDF explains the 60-month calculation cap for April 2021 or later base months and the older 36-month cap for earlier base months.