The Verdict
Below Typical Professional Income
At ￥120,000, your income is below the estimated professional median for Tokyo (~￥8,440,000). Budgeting will be essential, especially for housing in central districts.
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Estimated Monthly Allocation
Monthly Net Income
￥8,500
Housing & Utilities
￥3,825Target 30-35% of net. Covers rent/mortgage in outer districts.
Groceries & Transport
￥2,975Core living expenses adjusted for Tokyo CPI.
Lifestyle & Leisure
￥1,275Dining out, entertainment, and personal care.
Savings & Investment
￥425Remaining allocation for long-term wealth.
Other salary checks in Tokyo
Jump to adjacent income bands to stress test lifestyle outcomes.
Compare ￥120,000 across peer hubs
Same salary, different macro-region hubs to benchmark opportunity cost.
Adjust the Numbers
Salary FAQs
What does ￥120,000 translate to after tax in Tokyo?↓
Our deterministic engine estimates roughly ￥102,000 per year (~￥8,500 monthly) after Japan income taxes and mandatory social contributions for a single filer.
Can ￥120,000 comfortably cover housing in Tokyo?↓
Allocating about ￥3,825 (45% of monthly net income) keeps housing and utilities within the recommended 30–35% band even in prime districts.
How much could I save earning ￥120,000 in Tokyo?↓
Following the Sovereign allocation, you could direct roughly ￥425 per month (5% of take-home pay) toward investments, reserves, or debt payoff.