How will your life change with the annual income barrier of 1.78 million yen?
"Raising the annual income wall" is a hot topic in the news. I heard that "1.03 million yen wall" will be "1.78 million yen," but will our take-home increase or decrease? 🤔
We have summarized the points that people working part-time or part-time should know about the tax reform in 2026!
▼ This point
The wall of 1.03 million yen will be raised to 1.78 million yen in two stages ✨
People with an annual income of 2 million yen to 6 million yen may take up tens of 💰
[Super important] The wall of social insurance (1.3 million yen · 10.6 million yen) is intact ⚠️
Be sure to check the notes in the second half of the slide so that you don't have to pay taxes, but your take-home income has decreased due to social insurance premiums!
If you think "What will happen in my case?," it is recommended to check it on a simulation site ✍️
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Annual Income Wall Measures
# 103 million yen wall review
Wall problem of 1.3 million yen
How to work part-time housewives
Part of the Dependent
# take-home
# Tax reform 2026
The Work Loss
The Social Insurance Wall
Household Management Beginner
Housewife's Study
Work style reform
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■ Trade name: Ainet Securities Co., Ltd. (Financial Instruments Business Operator)
■ Registration Number: Kanto Local Finance Bureau Director (Kinsho) No. 11
■ Membership Association: Financial Futures Firms Association (Membership Number: No. 1158), Japan Investment Advisors Association (Membership Number: 012-02238)
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Loss may occur due to fluctuations in market prices or swap points.
Due to the leverage effect, it is possible to trade more than the margin deposited by the customer, but there is a risk that losses exceeding the margin may occur.
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私自身もパートで働いている身として、年収の壁が178万円に引き上げられるニュースは大きな関心事でした。以前は103万円を超えると所得税がかかっていたため、収入をそのラインで抑えている人も多かったのですが、今回の改正では2025年にまず160万円、2026年に178万円まで所得税がかからなくなる暫定措置が取られます。実際にはこれにより、年収200万円から600万円の中所得層の人が数万円単位で年間の手取りが増える見込みで、多くの人にとっては嬉しいニュースです。 ただし注意したいのは、社会保険の壁である130万円や106万円のラインは変更されない点です。これらの壁を超えると社会保険料の負担が期待以上に増え、所得税の恩恵以上に手取りが減ってしまう可能性があります。例えば、130万円の壁を超えると扶養から外れて毎月2〜3万円ほどの社会保険料が発生するため、実質的な収入が減ることもあり、これを見誤らないことが重要です。 また、106万円の壁については、従業員が51人以上の企業で働く場合、2026年10月から週20時間以上勤務なら年収に関係なく社会保険加入義務が生じる可能性があり、これも把握しておくと良いでしょう。 私の周囲でも、これらの改正を知ってからは「130万円以内に収入を抑える扶養内パート」か「手取りを増やすために178万円近くまで稼ぐ働き方」どちらが自分に合うか悩んでいる人が多いです。社会保険加入は将来的な年金や保障の面でもメリットがありますので、単純に損得だけでなく生活設計も含め考えるのがおすすめです。 結局は、自分の働く環境や家庭の状況に合わせた最適な働き方を見つけることが重要です。ぜひ所得税と社会保険の両面を総合的に考え、シミュレーションサイトなどで具体的な手取り額を確認しながら、賢く計画的に収入を増やしていきましょう。
