Last verified June 13, 2026 against official ISA/MOFA sources
The spouse visa income requirement: there is no official number
The ISA publishes no minimum income figure for the spouse visa — not in the law, not on the checklist, not anywhere. What it reviews instead is whether your household can plausibly support itself, proven through a short list of documents. This page covers what's actually checked, what "enough" looks like in practice, and what to do in every hard case: no tax record, low income, savings instead of salary, money from abroad.
What immigration actually checks
The financial review of a spouse COE application runs on two inputs. The first is what you declare on the application form: item 25 (how the applicant's stay will be funded — self, supporter in Japan, supporter abroad, remittances, with a monthly amount) and item 26 (who the supporter is, their work, their annual income). The second is what you prove: the supporter's 住民税 taxation (or exemption) certificate and tax-payment certificate for the most recent year, showing the year's total income and tax-payment status [source] .
Notice whose documents those are. The applicant's own income is not the subject — most applicants abroad have no Japanese income to show and that is expected. The reviewer reads the supporter's certificates against the declared monthly support and asks one question: does this household's plan add up? Income that comfortably covers rent and living costs for the family size answers it. So does a thinner income plus documented savings, or a second supporter.
Two mechanical points: the certificates must show the year's total income and tax-payment status (ask the city office for the versions with 総所得 and 納税状況 printed — the abbreviated ones get applications bounced), and like every Japanese certificate in the file they must be issued within 3 months of submission.
So how much is "enough"?
The honest answer: there is no number, and that's by design. The spouse visa exists to let families live together; the financial review exists to check the plan is real, not to means-test the marriage. A single sponsor in rural Japan on ¥2.2 million with paid-off family housing and a working spouse-to-be is a different case from a Tokyo household of four on the same income — a fixed threshold would treat them identically, and the ISA doesn't use one.
The closest thing to an official statement lives in the ISA's change/renewal guidelines (revised January 2026): "assets or skills sufficient for an independent living" is listed as a consideration — and the guidelines immediately add that it is assessed on a household basis (世帯単位で認められれば足ります), and even a public-burden case is weighed against humanitarian reasons rather than auto-denied. Household basis, humanitarian override: the ISA's own framing is flexibility, not a threshold.
What we can report from the practitioner side: immigration lawyers commonly describe household income around ¥2.4–3 million a year as the comfort zone where finances stop being a question — but that is professional rule-of-thumb, not regulation, and approvals below it are routine when the rest of the file makes sense. Treat every number you read (including ours) as orientation, not a pass mark.
If your situation makes the arithmetic genuinely hard — no income, no savings, no family help — the productive move isn't optimizing the form, it's changing the facts: a job offer in hand, a few months of saving, or a supporter added to the application all do more than any wording can.
The hard cases, case by case
These five scenarios cover nearly every financial-requirement question applicants actually ask. Each one has a documented path.
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The sponsor just started a new job (no tax certificate yet)
Japanese tax certificates document last year's income, so a sponsor who started working this year has nothing to show on paper. This is exactly the situation the ISA's substitute list exists for: submit the employment contract or offer, recent payslips if any exist, and bank records. A 非課税証明書 (certificate of tax exemption) for the year with no income is still worth including — it shows the record is clean rather than missing.
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The sponsor lived abroad and has no recent Japanese tax record
The most common case for couples moving to Japan together. The checklist anticipates it: where recent entry or relocation means the tax certificates can't demonstrate support, the ISA accepts bank records, internet-banking transaction history, and an employment offer from a Japanese employer. A concrete plan — a job lined up, savings that cover the first year, family housing — answers the question the missing certificate raises.
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The sponsor has low income (part-time, student, between jobs)
Low income is a question to answer, not an automatic refusal. The form itself provides the answer mechanism: item 25 lets you check multiple methods of support, and item 26 has room for more than one supporter. A parent or in-law with stable income can be added as a second supporter, with their tax certificates included. What reviewers need is arithmetic that works: documented money in, realistic costs out.
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Neither spouse has income — you're living on savings
Savings can carry an application. Document them with bank statements or passbook copies showing the balance and its history — both items on the ISA's own substitute list. There is no published "savings per month of stay" formula; the practical test is whether the balance plausibly covers your household's costs until income starts, and where the money came from.
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The money comes from outside Japan
The form anticipates this too: item 25 has a checkbox for a supporter living abroad, and 25(2) records remittances — who sends them, from where, how much per month. Foreign bank statements are acceptable evidence; like every foreign-language document in the application, they need a Japanese translation attached (translator's name and date on it — no certification required).
Supporter is not guarantor
Everything on this page is about the supporter — the person whose money funds your stay (items 25–26). The guarantor (item 27) is a separate role: the person who signs the 身元保証書, covering living expenses, repatriation travel costs, and compliance with Japanese law — a moral commitment with no legal enforcement (ISA Q&A). A parent or in-law who helps financially becomes an additional supporter; the guarantor for a spouse COE is, per the ISA checklist, the Japanese spouse. The form guide explains the distinction field by field.
Money questions, answered
Is there a minimum income requirement for the Japan spouse visa?
No. no statutory threshold; ~¥2.4–3M/year household income is the practitioner comfort zone — the ISA publishes no income figure for the spouse visa, anywhere. The checklist asks for the supporter's tax certificates and the form asks how the household will be supported; the review is about whether the numbers plausibly cover your living costs, not about clearing a stated bar. Any site quoting a fixed yen figure as "the requirement" is presenting practitioner guesswork as law.
My Japanese spouse earns ¥1.5–2.5 million a year. Is that enough?
There is no threshold to clear, so nobody can promise an outcome — but applications in this range are approved routinely, especially when the numbers add up: modest rent, no dependents, some savings, or family help. If the arithmetic looks thin, strengthen it the way the form invites you to: add a second supporter in items 25–26 (a parent or in-law with stable income) or document savings alongside the income.
Can savings substitute for income?
Yes. Bank statements and passbook copies are on the ISA's own list of acceptable financial evidence, and item 25 has a "self" method-of-support option that covers living on your own funds. There is no published minimum balance; the working test is whether the savings realistically cover the household until income starts. Show the balance and its history, not just a one-day snapshot.
How much in savings should we show?
No official number exists. Think in terms of the budget you wrote in item 25: if you declared ¥200,000/month of support and have no income yet, a balance that covers a year of that (¥2–2.5 million) tells a coherent story; a balance that covers two months invites questions. This is planning logic, not a rule — the ISA publishes no formula.
The sponsor has no tax certificate — new job, or just returned to Japan. What do we submit?
The checklist itself answers this: when recent entry or relocation means the tax certificates can't demonstrate support, submit bank statements or passbook copies, internet-banking transaction records, or an employment offer (内定) from a Japanese employer. The list is explicitly non-exhaustive — payslips, an employment contract, or a written explanation of your support plan all fit its spirit.
Does a job offer (内定) count if the sponsor hasn't started working yet?
Yes — an employment offer from a Japanese employer is explicitly on the ISA's substitute list for financial evidence. Submit the offer letter or contract showing the position and salary. A job you are merely interviewing for is not evidence; a signed offer is.
What document proves savings — a bank statement, a balance certificate, or a letter?
The ISA's substitute list names bank statements/passbook copies and internet-banking transaction records — evidence that shows history, not just a balance. A one-line balance certificate (残高証明書) proves a single day; pairing it with statements covering several months is stronger because it shows the money is genuinely yours and genuinely stable.
Are foreign bank statements accepted?
Yes. Nothing in the checklist restricts financial evidence to Japanese banks, and the form explicitly provides for supporters abroad and remittances. Attach a Japanese translation to any document not in Japanese — the translator can be you or your spouse; put the translator's name and date on it.
Should the "annual income" on the form match the tax certificate exactly?
Match the figure you can document. The tax certificate shows last year's total income, and that is the number the reviewer will see — writing the same figure in item 26 keeps the file consistent. If current income is genuinely higher (new job, raise), you can state the current figure, but then include the payslips or contract that prove it.
Will immigration check the applicant's own bank account?
Only if you put it in play. The checklist asks for the supporter's documents, not the applicant's. If you check "self" as a method of support in item 25, your own funds become part of the case and should be documented like any other support: statements with history, translated if not in Japanese.
Is the old "¥80,000 per month per person" figure still current?
It was never official. That number has circulated in forums for years as a rule of thumb for the monthly-support amount in item 25, but it appears in no ISA document. Write the amount your household will actually spend — a realistic figure consistent with your rent and family size reads better than a number copied from a forum.
We deposited a large lump sum before applying. Does that look suspicious?
The evidence the ISA asks for — statements and transaction history — makes a sudden deposit visible by design. A lump sum isn't disqualifying, but an unexplained one invites exactly the question you don't want the reviewer asking alone. Explain the origin in a short cover note (sold a car, moved savings from another account, gift from parents) and include the paper trail where it exists.
Do the supporter's debts or loans hurt the application?
The checklist requests income and tax-payment evidence — there is no credit check in the published document list, and loans don't appear on the 住民税 certificates. What the certificates do reveal is unpaid residence tax, which reads as instability. If debt service visibly eats the income shown on bank statements you submit, account for it in the support budget you declare.
Can a parent or parent-in-law be the financial supporter instead of my spouse?
As a supporter, yes — items 25–26 accommodate supporters other than the spouse, including more than one, and the checklist's financial documents are submitted for whoever actually pays (their tax certificates, their income). The guarantor role in item 27 is a separate question — for a spouse COE the checklist assigns it to the Japanese spouse residing in Japan. See the form guide's supporter-vs-guarantor section for the distinction.
Immigration sent a request for additional financial documents. Is that a bad sign?
No — it's the system working as designed. An additional-documents request (追加資料提出通知) means the reviewer wants the file to succeed enough to ask, rather than refusing on what's missing. Respond completely and promptly; the processing clock effectively extends while they wait. The request letter lists exactly what to send.
Official sources used on this page
- ISA — COE for Spouse or Child of Japanese National (document checklist, including the financial-evidence substitute list)
- ISA — COE application form (items 25–26, methods of support)
- ISA — examination Q&A (guarantor definition)
The "no statutory threshold" statement and the substitute-document list were verified against the ISA checklist on June 13, 2026. The ¥2.4–3M comfort zone is practitioner consensus, clearly labeled as such above — it appears in no official source.