OFW Resource Hub

Kapag nagtatrabaho ka sa Japan, mahalagang maintindihan ang iyong payslip or kyūyo meisai. Dito makikita kung magkano ang kinita mo, ano ang mga deductions, at magkano ang actual na matatanggap mo.

Minsan confusing ito dahil Japanese ang terms, pero kapag alam mo ang basic parts, mas madali mong ma-check kung tama ang sahod mo.

Ano ang Payslip?

Ang payslip ay salary statement na ibinibigay ng employer every payday. Nakalagay dito ang :

• Basic salary

• Overtime pay

• Allowances

• Bonuses, if any

• Taxes

• Insurance deductions

• Pension deductions

• Net pay or take-home pay

Common Japanese Payslip Terms

• 給与明細 / Kyūyo Meisai – Payslip

• 基本給 / Kihonkyū – Basic salary

• 残業手当 / Zangyō Teate – Overtime allowance

• 通勤手当 / Tsūkin Teate – Transportation allowance

• 支給額 / Shikyūgaku – Total amount paid

• 控除 / Kōjo – Deductions

• 所得税 / Shotokuzei – Income tax

• 住民税 / Jūminzei – Resident tax

• 健康保険 / Kenkō Hoken – Health insurance

• 厚生年金 / Kōsei Nenkin – Employee pension

• 雇用保険 / Koyō Hoken – Employment insurance

• 差引支給額 / Sashihiki Shikyūgaku – Net pay / take-home pay

1. Basic Salary

Your basic salary is the fixed amount you earn before overtime, allowances, and deductions.

Check if this matches your employment contract. Kung iba ang nakalagay, ask your HR or employer for clarification.

2. Overtime Pay

If you worked beyond regular hours, your payslip should show overtime pay.

Common overtime-related terms include :

• Regular overtime

• Late-night work allowance

• Holiday work allowance

If marami kang overtime pero hindi malinaw sa payslip, i-check ang attendance record mo and compare it with your payslip.

3. Allowances

Some companies provide additional allowances, such as :

• Transportation allowance

• Housing allowance

• Night shift allowance

• Meal allowance

• Skill or position allowance

Hindi lahat ng company may same benefits, so check your contract or company rules.

4. Total Payment

The total payment shows your gross salary before deductions.

Ito ang kabuuang kinita mo for the pay period, pero hindi pa ito ang amount na papasok sa bank account mo.

5. Deductions

Deductions are amounts taken from your salary. Common deductions include :

• Income tax

• Resident tax

• Health insurance

• Pension

• Employment insurance

Normal na mas mababa ang take-home pay kaysa gross salary dahil sa mga deductions na ito.

6. Income Tax

Income tax is usually deducted monthly from your salary. The amount may depend on your income, tax category, and other factors.

During year-end adjustment, your employer may check whether the correct amount was deducted.

7. Resident Tax

Resident tax is usually based on your previous year’s income and paid to your local city or municipality.

Kung first year mo pa lang sa Japan, maaaring wala ka pang resident tax deduction. Pero sa following year, puwede na itong magsimula.

8. Health Insurance

Health insurance helps cover medical expenses when you visit clinics or hospitals in Japan.

If you are enrolled through your company, the premium is usually deducted from your salary.

9. Pension

Employee pension or kōsei nenkin is also commonly deducted from salary. This is part of Japan’s pension system.

If you leave Japan permanently and meet the requirements, you may be able to apply for a lump-sum withdrawal payment.

10. Net Pay

Net pay is the amount you actually receive after all deductions.

This is also called take-home pay.

Check if the amount matches the salary deposited into your bank account.

Tips para sa mga OFW

• Keep a copy of every payslip.

• Compare your payslip with your employment contract.

• Check overtime hours carefully.

• Make sure transportation allowance is included if applicable.

• Ask HR if you do not understand a deduction.

• Do not ignore sudden changes in salary.

• Save payslips for visa renewal, tax filing, loan applications, or future reference.

Understanding your payslip helps you protect your rights and manage your money better. Kapag alam mo kung saan napupunta ang sahod mo, mas madali kang makakapag-budget, makakapag-ipon, at makakapagpadala sa pamilya mo sa Pilipinas.

At PhilMoney, we believe that every OFW deserves clear and practical financial information. Through helpful guides like this, we aim to support Filipinos in Japan in making smarter decisions for themselves and their families.

Note : This article is intended for general information only. Regulations and procedures in Japan and the Philippines may change. Please verify the latest information with the appropriate government agency or official institution before taking action.