Free checker
Furusato nozei budget checker
ふるさと納税 lets you send part of your resident tax to a municipality of your choice and keep a thank-you gift, for a flat ¥2,000 out of pocket — but only up to a cap that depends on your income. Work out your cap before you donate.
Your situation
Health insurance + pension, from box ⑤ of your 源泉徴収票. This is the biggest factor — a rough guide is about 15% of salary.
Your furusato budget
¥78,701
Donate up to this across all municipalities and you should get back everything except the standard ¥2,000 — roughly ¥76,701 returned through income tax and next year's resident tax.
- Resident tax income levy used
- ¥306,000
- Your marginal income-tax rate
- 10%
- FY2026 rules are still provisional, so this budget may move before you file.
Planning a donation?
What this assumes
- Resident-tax income levy (住民税所得割) estimated at ¥306,000 using the jp-personal-2026-v2 rule set.
- Marginal income-tax rate of 10% plus the 2.1% reconstruction surtax.
- Assumes a standard 10% resident-tax rate; your municipality may differ slightly.
- Assumes you file the donations on your 確定申告 (the one-stop exception does not apply once you file a return).
This is an estimate to help you plan, not tax advice. Your real cap depends on the resident-tax assessment your municipality issues the following June. Keep every donation receipt (寄附金受領証明書) — you need them to claim the deduction.
Next step
Furusato nozei only reduces your tax if you actually claim it. If you file a return, the one-stop exception no longer applies and every donation must go on your 確定申告.