Adulting Payments
Adulting Payments Glossary （お金のややこしい支払い用語集）
| English Term | Japanese Term | Explanation (簡単な説明) |
|---|---|---|
| Mandatory Contributions | 法定控除 (Hōtei Kōjo) | Legally required deductions from salary, such as income tax and social insurance premiums. 給料から法的に差し引かれるお金。所得税や社会保険料など。 |
| Statutory Payments | 法定納付金 (Hōtei Nōfukin) | Official payments mandated by law to government or social systems. 法律で義務付けられた政府や社会保険への支払い。 |
| Obligatory Deductions | 強制控除 (Kyōsei Kōjo) | Mandatory payroll deductions employers or employees must make. 会社や従業員が必ず支払わなければならない控除。 |
| Taxes and Social Insurance | 税金・社会保険料 (Zeikin / Shakai Hokenryō) | Common terms referring to income tax, resident tax, health insurance, pension, unemployment insurance, etc. 所得税、住民税、健康保険、年金、雇用保険など。 |
| Government-mandated Payments | 政府指定の支払い (Seifu Shitei no Shiharai) | Formal term for payments designated by government. 政府が指定する正式な支払い。 |
| Financial Responsibilities | 財務上の責任 (Zaimu-jō no Sekinin) | Broader term for financial obligations one must fulfill. 個人が果たすべき財務的な義務全般。 |
| Personal Obligations | 個人的義務 (Kojinteki Gimu) | General personal duties including payments and legal obligations. 支払いや法的義務を含む個人の責任全般。 |
📝 Adulting Payments Checklist & FAQ
（お金・税金・社会保険の大事なことチェックリスト＆よくある質問）
✅ Checklist: Key Payments & Actions (2025–2026)
| Task | Due Date / Timing | Notes / Where to do it |
|---|---|---|
| 年末調整 (Year-end tax adjustment) | Nov–Dec 2025 (if employed/paid) | Usually done by employer; confirm with HR |
| 確定申告 (Tax return filing) | Feb–Mar 2026 (if needed) | If 年末調整 not done or income changed |
| 住民税の支払い (Resident tax payment) | June–July 2026 | Based on 2025 income; paid to local city office |
| 健康保険料 (Health insurance premium) | Monthly/quarterly | Check if employer covers during 育休, or self-pay |
| 国民年金保険料 (National pension payment) | Monthly | Usually deducted at work; may need to pay yourself during 育休 |
| 育児休業給付金の申請 (Childcare leave benefit application) | Monthly during 育休 | Submit to employment insurance office |
| 復職届の提出 (Return-to-work notice) | Before resuming work Sept 2026 | Submit to employer to restart payroll/taxes |
❓ FAQ: Common Questions about Adulting Payments
Q1: Do I have to file 年末調整 if I’m on育休?
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If your employer still pays salary or benefits in Nov–Dec, 年末調整 will be done automatically.
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If not, you may need to file 確定申告 the next tax season (Feb–Mar).
Q2: Will I still pay住民税 while on育休?
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Yes, 住民税 is based on your previous year’s income and usually billed in summer next year.
Q3: How about health insurance and pension during育休?
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Health insurance premiums may be reduced or partially exempted depending on your employer’s policy.
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Pension payments may need to be paid by yourself if employer stops deductions. Check with HR or city office.
Q4: What paperwork do I need to submit to get育児休業給付金?
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Submit monthly applications to your employment insurance office with your employer’s confirmation.
Q5: Anything special I need to do before going back to work?
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Submit a 復職届 (return-to-work notice) to your employer to restart payroll and insurance deductions.