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Japanese pension: take it back or add it up?

When you leave Japan you can ask for part of your pension contributions back (脱退一時金, dattai ichijikin). But once you receive it, that period no longer counts toward your retirement.

Estimate the refund

Applies to those who contributed through the company scheme (kōsei nenkin), with the last contribution after April 2021.

Take it back

  • You need 6 months or more of contributions and must not qualify for a Japanese pension.
  • At most 60 months (5 years) count.
  • You must apply within 2 years after you no longer have an address in Japan.
  • 20.42% is withheld as tax. Part of it can come back if you file through a tax representative (nōzei kanrinin).

Add it up for retirement

  • Under the Brazil–Japan Social Security Agreement (since 2012), time paid in Japan can count toward INSS retirement, and time in Brazil toward the Japanese pension.
  • People who plan to return to Japan or already have many years of contributions usually gain more by adding it up.
  • After receiving the refund, your time in Japan is reset to zero and no longer counts.
This calculation is an estimate and does not replace guidance from Nenkin (Japan Pension Service), INSS or a sharōshi (labor and social security attorney). Check your situation before deciding.