Finance and insurance salary in Japan — average annual income by age
The average annual salary for Finance and insurance in Japan is ¥6,592,000 (2023, MHLW Basic Survey on Wage Structure, 1,023,300 workers surveyed) — 29.8% above the national average of ¥5,078,000.
Finance and insurance earnings curve by age
| Age band | Total annual | Male annual | Female annual |
|---|---|---|---|
| ~19 | ¥2,207,000 | ¥2,382,000 | ¥2,191,000 |
| 20-24 | ¥3,419,000 | ¥3,625,000 | ¥3,270,000 |
| 25-29 | ¥4,878,000 | ¥5,581,000 | ¥4,311,000 |
| 30-34 | ¥6,051,000 | ¥7,423,000 | ¥5,040,000 |
| 35-39 | ¥6,977,000 | ¥9,083,000 | ¥5,024,000 |
| 40-44 | ¥7,672,000 | ¥10,342,000 | ¥5,318,000 |
| 45-49 | ¥7,876,000 | ¥10,911,000 | ¥5,639,000 |
| 50-54 | ¥7,841,000 | ¥10,655,000 | ¥5,418,000 |
| 55-59 | ¥7,587,000 | ¥10,031,000 | ¥5,202,000 |
| 60-64 | ¥5,148,000 | ¥5,767,000 | ¥4,426,000 |
| 65~ | ¥4,684,000 | ¥4,666,000 | ¥4,692,000 |
Understanding The Finance and insurance industry salary data
Finance and insurance: average annual salary
The Finance and insurance industry earn a weighted-average annual income of ¥6,592,000 (sample: 1,023,300 workers), +29.8% higher than the national average (about ¥1,514,000 more). The median is ¥7,587,000. Figures are estimates derived from a worker-count-weighted average of age-band data.
At what age does pay peak in Finance and insurance?
Income peaks in the 45-49 age band at ¥7,876,000 (about 2.3x the entry level). The steepest rise is in the 25-29 band.
Finance and insurance: male vs female average salary
At ages 30-34, women earn 67.9% of what men earn (57.9% across all ages). A lower figure means a wider gender gap.
Finance and insurance: how pay changes with age
The age curve is classified as “inverted-U”. Inverted-U is the standard Japanese pattern, peaking before retirement; rising means expertise compounds with experience. About 23.2% of the estimated annual income is bonus (annual special cash earnings).
Finance and insurance average salary by age and gender
Estimated annual income for Finance and insurance by age band (total / male / female):
| Age | Total | Male | Female |
|---|---|---|---|
| 25-29 | ¥4,878,000 | ¥5,581,000 | ¥4,311,000 |
| 30-34 | ¥6,051,000 | ¥7,423,000 | ¥5,040,000 |
| 35-39 | ¥6,977,000 | ¥9,083,000 | ¥5,024,000 |
| 40-44 | ¥7,672,000 | ¥10,342,000 | ¥5,318,000 |
| 45-49 | ¥7,876,000 | ¥10,911,000 | ¥5,639,000 |
| 50-54 | ¥7,841,000 | ¥10,655,000 | ¥5,418,000 |
Frequently asked questions
- What is the average salary for Finance and insurance?
- About ¥6,592,000, estimated from the MHLW Basic Survey on Wage Structure (2023, weighted-average estimate).
- At what age does income peak for Finance and insurance?
- In the 45-49 age band, at an estimated ¥7,876,000.
- How big is the gender pay gap for Finance and insurance?
- At ages 30-34, women earn about 67.9% of what men earn.
- What is the average salary for Finance and insurance at age 25-29?
- An estimated ¥4,878,000 overall (male ¥5,581,000 / female ¥4,311,000).
- What is the average salary for Finance and insurance at age 30-34?
- An estimated ¥6,051,000 overall (male ¥7,423,000 / female ¥5,040,000).
Source: MHLW Basic Survey on Wage Structure (2023). Estimated from a worker-count-weighted average of 5-year age bands; cells not published due to small samples are excluded.
Finance and insurance vs nationwide
| Age | Finance and insurance | All industries | Diff | % |
|---|---|---|---|---|
| ~19 | ¥221万 | ¥262万 | ¥-41万 | -15.8% |
| 20-24 | ¥342万 | ¥335万 | +¥7万 | +2.0% |
| 25-29 | ¥488万 | ¥415万 | +¥73万 | +17.7% |
| 30-34 | ¥605万 | ¥465万 | +¥141万 | +30.3% |
| 35-39 | ¥698万 | ¥514万 | +¥184万 | +35.8% |
| 40-44 | ¥767万 | ¥548万 | +¥219万 | +39.9% |
| 45-49 | ¥788万 | ¥576万 | +¥212万 | +36.8% |
| 50-54 | ¥784万 | ¥600万 | +¥184万 | +30.7% |
| 55-59 | ¥759万 | ¥607万 | +¥152万 | +25.1% |
| 60-64 | ¥515万 | ¥462万 | +¥53万 | +11.4% |
| 65~ | ¥468万 | ¥367万 | +¥102万 | +27.7% |
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