{"id":958,"date":"2026-02-13T17:20:27","date_gmt":"2026-02-13T08:20:27","guid":{"rendered":"https:\/\/www.daijob.com\/en\/?post_type=expat-essentials&#038;p=958"},"modified":"2026-02-17T15:55:57","modified_gmt":"2026-02-17T06:55:57","slug":"nenkin-how-much-do-you-get-back","status":"publish","type":"expat-essentials","link":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/","title":{"rendered":"Nenkin: How much do you get back?"},"content":{"rendered":"\n<p>If you are an expat working in Japan, you likely see a &#8220;Nenkin&#8221; deduction on your paycheck every month. This contribution is for Japan\u2019s public pension system. For many foreigners, the big question is, How much do you get back?<\/p>\n\n\n\n<p>If you leave Japan permanently, you can claim a partial refund. This is officially called the Lump-sum Withdrawal Payment. This guide will explain exactly how to calculate your refund, the eligibility rules, and how to get your money back.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is the Nenkin System?<\/h2>\n\n\n\n<p>Every resident in Japan aged 20 to 59 must join the pension system. Most expats fall into one of two categories:<\/p>\n\n\n\n<p><strong>National Pension (Kokumin Nenkin):<\/strong> For students, freelancers, or the self-employed.<\/p>\n\n\n\n<p><strong>Employees\u2019 Pension (Kosei Nenkin):<\/strong> For those working at companies with salary deductions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who is Eligible for a Refund?<\/h2>\n\n\n\n<p>To get your <strong>nenkin<\/strong> back, you must meet these four conditions:<\/p>\n\n\n\n<p>\u30fbYou do not hold Japanese nationality.<br>\u30fbYou paid into the system for at least six months.<br>\u30fbYou no longer have a registered address in Japan.<br>\u30fbYou have never qualified for Japanese pension benefits before.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-6e5f84e6cf81fa782b7cb937d7159049\"><strong>Important:<\/strong> You must apply within two years of leaving Japan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The &#8220;5-Year Cap&#8221; Rule Change<\/h2>\n\n\n\n<p>Previously, the refund was capped at 36 months (3 years) and as of 2026, the cap has been extended to <strong>60 months (5 years)<\/strong>. Some new regulations may even allow long-term workers to claim up to <strong>96 months (8 years)<\/strong> of contributions back.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 20% Income Tax Trap<\/h2>\n\n\n\n<p>When you receive your nenkin refund, the government automatically deducts a <strong>20.42% income tax<\/strong> making you initially receive only about 80% of your total payment. <br><strong>Can you get this 20% back?<\/strong> <br>Yes, However, you cannot claim it directly from outside Japan. You must appoint a <strong>Tax Representative<\/strong> residing in Japan to file a tax return for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Detailed Steps to Claim Your Refund<\/h2>\n\n\n\n<p>You must follow these steps carefully to ensure you receive your money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 1: Before Leaving Japan<\/h3>\n\n\n\n<p>\u30fb<strong>Submit a Move-out Notice:<\/strong> Go to your local municipal office and file a <em>Tenshutsu-todoke<\/em>. This deregisters your address and ends your pension coverage.<br>\u30fb<strong>Appoint a Tax Representative:<\/strong> Find a friend or professional in Japan to be your Tax Representative. Someone who will claim the 20% tax withheld from your refund later.<br>\u30fb<strong>Get Your Pension Number:<\/strong> Make sure you have a copy of your Basic Pension Number.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 2: After Arriving in Your Home Country<\/h3>\n\n\n\n<p>\u30fb<strong>Wait for De-registration:<\/strong> You must no longer have an address in Japan to apply.<br><strong>\u30fbFill Out the Application:<\/strong> Download the <a href=\"https:\/\/www.nenkin.go.jp\/international\/japanese-system\/withdrawalpayment\/payment.html\">&#8220;Lump-sum Withdrawal Payment&#8221; form<\/a> from the JPS website. It is available in multiple languages.<br><strong>\u30fbPrepare Your Bank Details:<\/strong> You need a bank account that can receive international transfers. Provide your SWIFT\/BIC code and IBAN if applicable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 3: Mail the Documents to Japan<\/h3>\n\n\n\n<p>Mail your package to the Japan Pension Service in Tokyo. Include these items:<\/p>\n\n\n\n<p>\u30fbA copy of your passport (pages with your name, date of birth, and departure stamp).<br>\u30fbYour Basic Pension Number document.<br>\u30fbA copy of your deleted residence record (<em>Juhyo<\/em>) or a document showing your Resident Register Code.<br>\u30fbBank verification documents (e.g., a voided check or bank statement).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 4: Receive the Payment and Tax Refund<\/h3>\n\n\n\n<p>\u30fb<strong>The 80% Payment:<\/strong> After 4 to 6 months, JPS will transfer about 80% of your refund to your bank.<br>\u30fb<strong>The 20% Tax Refund:<\/strong> JPS will mail you a &#8220;Notice of Payment&#8221;. Send the <strong>original<\/strong> document to your Tax Representative in Japan and get them tol file a tax return at your last local tax office to claim the remaining 20% for you.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.daijob.com\/en\/member\/reg_login?org_method_name=login&amp;destination=members%2Fmypage\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"244\" src=\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/12\/20240910_wordpress-banner-1-1024x244.jpg\" alt=\"A visual guide outlining four steps to succeed in a job search: Sign Up Register your Resume Set Resume Status To Standard Get Scouts &amp; Direct Offers Encourages users to create a free account and prompts them to &quot;Register now&quot; for interaction.\" class=\"wp-image-598\" srcset=\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/12\/20240910_wordpress-banner-1-1024x244.jpg 1024w, https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/12\/20240910_wordpress-banner-1-300x72.jpg 300w, https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/12\/20240910_wordpress-banner-1-768x183.jpg 768w, https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/12\/20240910_wordpress-banner-1-1536x366.jpg 1536w, https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/12\/20240910_wordpress-banner-1-2048x488.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Nenkin Do You Get Back?<\/h2>\n\n\n\n<p>The refund amount depends on your pension type and how long you worked in Japan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. National Pension Refund<\/h3>\n\n\n\n<p>For the National Pension, the amount is a fixed sum based on the months you paid. As of 2026, the estimated amounts are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Contribution Period<\/strong><\/td><td><strong>Refund Amount (Approx. JPY)<\/strong><\/td><\/tr><\/thead><tbody><tr><td>6 \u2013 11 months<\/td><td>\u00a550,940<\/td><\/tr><tr><td>12 \u2013 17 months<\/td><td>\u00a5101,880<\/td><\/tr><tr><td>24 \u2013 29 months<\/td><td>\u00a5203,760<\/td><\/tr><tr><td>36 \u2013 41 months<\/td><td>\u00a5305,640<\/td><\/tr><tr><td>60 months or more<\/td><td>\u00a5509,400<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2. Employees\u2019 Pension Refund<\/h3>\n\n\n\n<p>For company employees, the formula is more complex. It uses your <strong>Average Standard Remuneration (ASR)<\/strong>. This is your average monthly salary plus bonuses.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-373c774d2c816b770a9bcbb79598386f\"><strong>The formula is:<\/strong> <code>Your Payout = Average Monthly Income \u00d7 Payout Rate<\/code><\/p>\n\n\n\n<p>The Payout Rate is determined by your total months of coverage:<br>\u30fb<strong>6 months:<\/strong> 0.5<br><strong>\u30fb12 months:<\/strong> 1.1<br><strong>\u30fb36 months:<\/strong> 3.3<br><strong>\u30fb60 months (5 years):<\/strong> 5.5<\/p>\n\n\n\n<p><strong>Example:<\/strong> If your average salary was \u00a5300,000 and you worked for 3 years (36 months), your estimated refund would be \u00a5300,000 \u00d7 3.3 = <strong>\u00a5990,000<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Visa Case-By-Case Insights<\/h2>\n\n\n\n<p>Your visa type often determines how you pay into the system and what you can claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30fbWork Visas (Engineer\/Specialist in Humanities\/Intra-company Transferee):<\/h3>\n\n\n\n<p>Most company employees are covered by the Employees&#8217; Pension Insurance (EPI). Your employer deducts premiums directly from your salary and pays half the cost. This is the easiest way to stay compliant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30fbBusiness Manager Visa:<\/h3>\n\n\n\n<p>Business managers are responsible for their own enrollment and their employees&#8217; contributions. Late payments can negatively impact your visa renewal and future PR applications.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30fbSpouse or Dependent Visas:<\/h3>\n\n\n\n<p>If you are the spouse of a company employee, you may be a &#8220;Category 3&#8221; insured person. In this case, you are covered by the system without paying individual premiums.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30fbHighly Skilled Professional (HSP) Visa:<\/h3>\n\n\n\n<p>HSP holders must be very careful with payment timing. Immigration reviews their tax and pension records carefully during the fast-track PR process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 10-Year Rule: Continuous Stay vs. Intervals<\/h2>\n\n\n\n<p>Japan requires 10 years of contributions to qualify for a lifetime pension. Your strategy changes depending on your total time in Japan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Case 1: Staying for 7 to 10 Years Continuously<\/h3>\n\n\n\n<p>If you have less than 10 years of coverage, you can claim the Lump-sum Withdrawal Payment. However, the refund is currently capped at 60 months (5 years). If you stay for 9 years and then withdraw, you effectively lose 4 years of contributions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Case 2: 10+ Years of Stay<\/h3>\n\n\n\n<p>Once you reach 10 years of payments, you are no longer eligible for a refund. Instead, you have earned the right to receive a Japanese pension when you turn 65. This applies even if you move back to your home country.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Case 3: Staying 7 to 10 Years with Intervals<\/h3>\n\n\n\n<p>What if you worked in Japan, left for a few years, and then returned? The Japan Pension Service totals your coverage periods. If your combined periods reach 10 years, you qualify for a pension. Furthermore, Japan has Social Security Agreements with many countries. These agreements allow you to &#8220;totalize&#8221; your pension years from both countries. For example, 7 years in Japan and 3 years in the USA may equal 10 years for eligibility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is Withdrawing a Good Idea?<\/h2>\n\n\n\n<p>While getting a large cash refund is tempting, consider the downsides. Japan has Social Security Agreements with many countries. If your country is on the list, the years you worked in Japan can often count toward your home country&#8217;s pension.<\/p>\n\n\n\n<p>Once you take the nenkin lump-sum refund, your entire enrollment history in Japan is erased. You will lose any future rights to a Japanese old-age pension.<\/p>\n\n\n\n<p><strong>Resources:<\/strong><br>\u30fb<strong>Japan Pension Service:<\/strong> <a href=\"https:\/\/www.nenkin.go.jp\/international\/japanese-system\/withdrawalpayment\/payment.html\" target=\"_blank\" rel=\"noreferrer noopener\">Official Lump-sum Withdrawal Guide<\/a><br>\u30fb<strong>Ministry of Foreign Affairs:<\/strong> <a href=\"https:\/\/www.mofa.go.jp\/j_info\/visit\/visa\/long\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">Visa Types and Requirements<\/a><br>\u30fb<strong>Japan Pension Service:<\/strong> <a href=\"https:\/\/www.nenkin.go.jp\/international\/agreement\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">Social Security Agreements by Country<\/a><br>\u30fb<strong>Nenkin Net:<\/strong> <a href=\"https:\/\/www.nenkin.go.jp\/n_net\/\" target=\"_blank\" rel=\"noreferrer noopener\">Online Pension History Access<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Take Away<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Summary Table<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Feature<\/strong><\/td><td><strong>Detail<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Max Period<\/strong><\/td><td>Up to 60 months (5 years)<\/td><\/tr><tr><td><strong>Tax<\/strong><\/td><td>20% deducted (Refundable via representative)<\/td><\/tr><tr><td><strong>Deadline<\/strong><\/td><td>Apply within 2 years of departure<\/td><\/tr><tr><td><strong>Requirement<\/strong><\/td><td>Minimum 6 months of contributions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Understanding nenkin is essential for any expat in Japan. Whether you want a refund or a lifetime pension, your payment history is the key. Always pay on time to protect your visa and financial future.<\/p>\n\n\n\n<p><strong>Is your salary keeping up with 2026 benchmarks? Read this article to see your current market value.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\"><strong>Discover Your Next Role in Japan. Access more than 10,000 jobs for free!<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.daijob.com\/en\/member\/reg_login?org_method_name=register\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Register Now!<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n","protected":false},"featured_media":959,"template":"","common_tags_en":[134,72,73,92,91,90,2],"common_category_en":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nenkin: How much do you get back? - Expat Career Guide<\/title>\n<meta name=\"description\" content=\"Don&#039;t let your nenkin contributions go to waste. See how much you can get back based on your visa, salary &amp; total months of coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nenkin: How much do you get back? - Expat Career Guide\" \/>\n<meta property=\"og:description\" content=\"Don&#039;t let your nenkin contributions go to waste. See how much you can get back based on your visa, salary &amp; total months of coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/\" \/>\n<meta property=\"og:site_name\" content=\"Expat Career Guide\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Daijob.OfficialPage\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-17T06:55:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1334\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/\",\"url\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/\",\"name\":\"Nenkin: How much do you get back? - Expat Career Guide\",\"isPartOf\":{\"@id\":\"https:\/\/www.daijob.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg\",\"datePublished\":\"2026-02-13T08:20:27+00:00\",\"dateModified\":\"2026-02-17T06:55:57+00:00\",\"description\":\"Don't let your nenkin contributions go to waste. See how much you can get back based on your visa, salary & total months of coverage.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#primaryimage\",\"url\":\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg\",\"contentUrl\":\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg\",\"width\":2000,\"height\":1334,\"caption\":\"An expat couple in a cafe discussing pension and finance matters related to working in Japan. The man holds a \\\"NENKIN\\\" (pension) booklet while the woman points to a laptop displaying \\\"Japan Pension Service\\\" and \\\"Lump-sum Withdrawal Payments.\\\" This image serves as a visual aid in an expat career guide for individuals navigating jobs in Japan, covering topics like pension management, labour rights, and the process of leaving Japan, including tax refunds and pension refunds through lump-sum withdrawal.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.daijob.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Expat Essentials\",\"item\":\"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Nenkin: How much do you get back?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.daijob.com\/en\/#website\",\"url\":\"https:\/\/www.daijob.com\/en\/\",\"name\":\"Daijob.com - Global Career Guide\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.daijob.com\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.daijob.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.daijob.com\/en\/#organization\",\"name\":\"Daijob.com\",\"url\":\"https:\/\/www.daijob.com\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.daijob.com\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/04\/daijob-logo.png\",\"contentUrl\":\"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/04\/daijob-logo.png\",\"width\":819,\"height\":200,\"caption\":\"Daijob.com\"},\"image\":{\"@id\":\"https:\/\/www.daijob.com\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Daijob.OfficialPage\",\"https:\/\/www.linkedin.com\/showcase\/daijob.com\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nenkin: How much do you get back? - Expat Career Guide","description":"Don't let your nenkin contributions go to waste. See how much you can get back based on your visa, salary & total months of coverage.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/","og_locale":"en_US","og_type":"article","og_title":"Nenkin: How much do you get back? - Expat Career Guide","og_description":"Don't let your nenkin contributions go to waste. See how much you can get back based on your visa, salary & total months of coverage.","og_url":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/","og_site_name":"Expat Career Guide","article_publisher":"https:\/\/www.facebook.com\/Daijob.OfficialPage","article_modified_time":"2026-02-17T06:55:57+00:00","og_image":[{"width":2000,"height":1334,"url":"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/","url":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/","name":"Nenkin: How much do you get back? - Expat Career Guide","isPartOf":{"@id":"https:\/\/www.daijob.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#primaryimage"},"image":{"@id":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#primaryimage"},"thumbnailUrl":"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg","datePublished":"2026-02-13T08:20:27+00:00","dateModified":"2026-02-17T06:55:57+00:00","description":"Don't let your nenkin contributions go to waste. See how much you can get back based on your visa, salary & total months of coverage.","breadcrumb":{"@id":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#primaryimage","url":"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg","contentUrl":"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2026\/02\/GCG-thumbnail-\u753b\u50cf\u4f5c\u308a-24.jpg","width":2000,"height":1334,"caption":"An expat couple in a cafe discussing pension and finance matters related to working in Japan. The man holds a \"NENKIN\" (pension) booklet while the woman points to a laptop displaying \"Japan Pension Service\" and \"Lump-sum Withdrawal Payments.\" This image serves as a visual aid in an expat career guide for individuals navigating jobs in Japan, covering topics like pension management, labour rights, and the process of leaving Japan, including tax refunds and pension refunds through lump-sum withdrawal."},{"@type":"BreadcrumbList","@id":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/nenkin-how-much-do-you-get-back\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.daijob.com\/en\/"},{"@type":"ListItem","position":2,"name":"Expat Essentials","item":"https:\/\/www.daijob.com\/en\/guide\/expat-essentials\/"},{"@type":"ListItem","position":3,"name":"Nenkin: How much do you get back?"}]},{"@type":"WebSite","@id":"https:\/\/www.daijob.com\/en\/#website","url":"https:\/\/www.daijob.com\/en\/","name":"Daijob.com - Global Career Guide","description":"","publisher":{"@id":"https:\/\/www.daijob.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.daijob.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.daijob.com\/en\/#organization","name":"Daijob.com","url":"https:\/\/www.daijob.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.daijob.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/04\/daijob-logo.png","contentUrl":"https:\/\/www.daijob.com\/en\/wp-content\/uploads\/2024\/04\/daijob-logo.png","width":819,"height":200,"caption":"Daijob.com"},"image":{"@id":"https:\/\/www.daijob.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Daijob.OfficialPage","https:\/\/www.linkedin.com\/showcase\/daijob.com\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/expat-essentials\/958"}],"collection":[{"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/expat-essentials"}],"about":[{"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/types\/expat-essentials"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/media\/959"}],"wp:attachment":[{"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/media?parent=958"}],"wp:term":[{"taxonomy":"common_tags_en","embeddable":true,"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/common_tags_en?post=958"},{"taxonomy":"common_category_en","embeddable":true,"href":"https:\/\/www.daijob.com\/en\/wp-json\/wp\/v2\/common_category_en?post=958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}