I recently started a job with a temp agency. I am working 5 days a week, 37.5 hours, so technically full-time (>75%) I think.
My salary is 180,000 a month and I am getting deducted about 50,000 (18,000 for 健康保険 and 33,000 for 厚生年金). This only leaves about 130,000 for the month on a full-time salary. I’ve done many contracts before in Japan and never had this much deducted. Im more concerned with the 年金 than the 保険. I’m wondering if this is normal? Is the temp agency charging me for their share of the 年金? Any advice is appreciated. Cheers.
6 comments
On 180,000 a month, your social insurance deductions shouldn’t be that high – ask your agency’s HR to explain it.
On a ¥180,000 (assuming no additional allowances) you would be SMR line 12 which pension is ¥16,470 per month for employee (and then matched by employer): https://www.nenkin.go.jp/service/kounen/hokenryo/ryogaku/ryogakuhyo/20200825.files/01.pdf
So it does look like you’ve paid double pension.
Firstly just to wipe it out before pointing fingers, It’s possible they may have billed you double for your first salary payment. Did you by any chance start working for them mid month Before a salary cut of for said month? For example, did you start say June 20th 2022 and now getting your July 2022 pay, which also includes June 2022 abs July 2022?
That is definitely way off. Ask your HR/Payroll to explain the calculation.
Using [this simulation tool](http://www.n-jim.jp/information/tool.html) (I put Tokyo as the location and 30 as the age, change it as necessary), it spits out:
健康保険料: 8,829円
厚生年金保険料：16,470円
Based on the above ballpark calculation, it seems like you were deducted about twice the normal amount.
Deduction is fair but pension deduction looks higher.
Don’t your payments depend on last years salary? Did you have a different job last year?
Did you make a much higher salary at some time in the last year? If you were making between 350,000 and 370,000 yen per month (average total compensation including bonuses; line 22 on Karlbert’s helpful chart), your 厚生年金 would be just short of 33,000 yen, and the amount you pay is only adjusted twice (once?) per year.
If you find yourself making significantly less money than you once did, there will be a period of several months where you are stuck paying the higher rate and thus paying a much higher percentage of your salary until the adjustment finally comes.