The Verdict
Below Typical Professional Income
At ￥400,000, your income is below the estimated professional median for Osaka (~￥8,440,000). Budgeting will be essential, especially for housing in central districts.
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Estimated Monthly Allocation
Monthly Net Income
￥28,333
Housing & Utilities
￥12,750Target 30-35% of net. Covers rent/mortgage in outer districts.
Groceries & Transport
￥9,917Core living expenses adjusted for Osaka CPI.
Lifestyle & Leisure
￥4,250Dining out, entertainment, and personal care.
Savings & Investment
￥1,417Remaining allocation for long-term wealth.
Other salary checks in Osaka
Jump to adjacent income bands to stress test lifestyle outcomes.
Compare ￥400,000 across peer hubs
Same salary, different macro-region hubs to benchmark opportunity cost.
Adjust the Numbers
Salary FAQs
What does ￥400,000 translate to after tax in Osaka?↓
Our deterministic engine estimates roughly ￥340,000 per year (~￥28,333 monthly) after Japan income taxes and mandatory social contributions for a single filer.
Can ￥400,000 comfortably cover housing in Osaka?↓
Allocating about ￥12,750 (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 ￥400,000 in Osaka?↓
Following the Sovereign allocation, you could direct roughly ￥1,417 per month (5% of take-home pay) toward investments, reserves, or debt payoff.