[Summary]
When you sell stocks or mutual funds and make a profit, taxes are involved in your taxable account. The number you often see there is 20.315%.
20.315% is used as the combined tax rate for income tax, special income tax for reconstruction, and resident tax. NISA accounts are exempt from tax, but for special accounts and general accounts, take-home pay is calculated based on this tax rate.
In this article, we will organize the points that beginners should check first in the order in which they are most likely to stumble in practice. Since taxes vary depending on individual circumstances, please confirm the final decision with an official or specialized contact such as the National Tax Agency, local government, tax office, or tax accountant.
First, the conclusion
20.315% is used as the combined tax rate for income tax, special income tax for reconstruction, and resident tax. NISA accounts are exempt from tax, but for special accounts and general accounts, take-home pay is calculated based on this tax rate.
| Check points | way of seeing |
|---|---|
| Profit 100,000 yen | The estimated tax amount is approximately 20,315 yen. The take-home pay is approximately 79,685 yen. |
| Profit 500,000 yen | The estimated tax amount is approximately 101,575 yen. |
| Profit 1 million yen | The estimated tax amount is approximately 203,150 yen. |
| NISA | If you are within the tax exemption limit, you will not be charged this tax. |
The important thing when reading tax articles is not just memorizing the system name. It's about looking at your income, accounts, deductions, and reporting methods separately.
common misconceptions
- I think I take home all the profits.
- Confusing capital gains and dividend taxes.
- Calculations are the same for NISA and taxable accounts.
This is an area where it is easy to get confused just by reading the search article. In particular, "sales" and "income," "income tax" and "resident tax," and "NISA" and "taxable account" need to be treated as different things.
Order of actual checking
If you are confused, it will be easier to organize if you check them in the following order.
- what is the profit
- Is the account a NISA or a taxable account?
- Is there tax withholding?
- Is there anything that can be considered a loss?
If it is still difficult to make a decision after looking at the above, it is safer not to leave it to your own judgment. Please check through official channels such as consultation with the tax office, the National Tax Agency's tax return preparation corner, and consultation with a tax accountant.
Summary
20.315% is the basic number when considering the investment income. Just thinking about it after tax makes it much easier to judge profit margins and see the value of your NISA allowance.
While it's hard to get away with not knowing about taxes, there's no need to fear them too much if you sort them out early. When your income increases, when you start investing, or when you want to use deductions, it is most practical to prepare your records early rather than at the end of the year.
Source/reference materials
- National Tax Agency, No.1463 Taxation when transferring stocks, etc.
- National Tax Agency, No.1330 When dividends are received
- National Tax Agency, No.1535 NISA system
- Financial Services Agency, Learn about NISA
- Confirmation date: 2026-05-30