Nenkin Projection (US Persons)

Estimate your Japanese public pension — the flat-rate 国民年金 plus the earnings-related 厚生年金 — from your years of coverage, check whether you clear the 10-year minimum, and see how it fits alongside US Social Security for a US person. A planning estimate, not a substitute for your 年金定期便.

1 · Your Japanese pension coverage

Years as a company employee (厚生年金) Years with pension deducted from salary. These count toward both the basic and earnings-related pensions. Years paying National Pension only (国民年金) Self-employed, student, or dependent-spouse years. These count toward the basic pension only. Average annual income during employee years (¥) Gross, including bonuses. Optional — needed only to estimate the 厚生年金 portion. US Social Security credits, if known From your SSA statement (max 4/year, 40 = fully insured). Counted as 3 months each toward Japan’s 10-year minimum via totalization — for qualifying only, not the amount.

2 · Estimated pension

Age you start claiming Standard is 65. Earlier means a permanent reduction; later, a permanent increase.

Estimated monthly pension ¥0

Enter your years of coverage to estimate your monthly pension.

What this means for a US person

You can draw this and full US Social Security. The Windfall Elimination Provision — which used to cut US Social Security for people drawing 厚生年金 — was repealed by the Social Security Fairness Act (2025). Drawing your Japanese pension no longer reduces your US benefit.
Short of 10 years? Totalization can get you qualified. Under the US–Japan agreement, your US coverage can count toward Japan's 10-year minimum (and vice-versa). But it only helps you qualify — each country still pays only for the years you actually contributed there, so it doesn't raise the amounts above.
Think hard before cashing out (脱退一時金). If you leave Japan before vesting you can claim a lump-sum refund (up to 5 years' worth, within 2 years of leaving) — but taking it erases that record for both a future Japanese pension and totalization. If there's any chance you'll return or could totalize, keeping the record is often worth more.
Your 年金定期便 is the real number. The figures here are a planning estimate. The annual statement the Japan Pension Service mails you (or your record on the Nenkin Net portal) shows your actual contribution months and projected amount — always check it against this.

Planning retirement across both systems? Taigan Bridge

This tool gives you a quick estimate. Taigan Bridge's retirement tooling reads your 年金定期便 (and your SSA statement) with your own Claude API key, tracks your contribution years and the gaps, works through the four vesting paths (追納, 任意加入, totalization, カラ期間), and optimizes when to claim each pension alongside US Social Security — all on your device, nothing uploaded.

Open Taigan Bridge →

🔒 Everything runs in your browser — there's no network request at all. Nothing you enter is saved or sent anywhere; refreshing the page clears it.

How to read this

This is a planning estimate using the FY2026 (令和8年度) full basic pension of ¥847,296/year (¥70,608/month) and the official earnings-related formula. Amounts are revised every April, so they will drift over time.
The basic pension (老齢基礎年金) is calculated precisely: the full amount × your contribution months ÷ 480 (40 years from age 20 to 60).
The earnings-related pension (老齢厚生年金) is a rough estimate: your average monthly pay × 5.481 ⁄ 1000 × your employee months. It assumes all employee service was after April 2003, caps the monthly figure at the ¥650,000 standard-remuneration ceiling, and ignores bonuses' separate treatment — so treat it as a ballpark and read your 年金定期便 for the real figure.
The claiming adjustment applies −0.4%/month before 65 (down to −24% at 60) or +0.7%/month after 65 (up to +84% at 75), permanently, to the whole pension.
If you enter your US Social Security credits, the eligibility check counts them toward Japan's 10-year minimum at 3 months per credit (totalization). This affects only whether you qualify — Japan still pays a pension based solely on your Japanese contributions, and you need at least one month of actual Japanese coverage to claim from Japan at all.
It only reflects Japanese pension. SOFA-status time exempt from the Japanese system doesn't build coverage, and US Social Security is separate.