Indonesia Take-Home Salary Calculator
Free Indonesia net salary calculator: PPh 21 on the progressive bands after BPJS Kesehatan, JHT and JP deductions, every step shown.
What does the Indonesia Take-Home Salary Calculator do?
It converts a gross Indonesian monthly salary into net pay by deducting the BPJS employee contributions (JHT, JP and Kesehatan), the occupational allowance, the PTKP threshold, and PPh 21 on the progressive bands.
- Inputs: gross monthly salary.
- Output: net pay with BPJS and PPh 21 itemised.
- Method: the progressive PPh 21 bands and the current BPJS rates.
Quick answer
An IDR 10,000,000 monthly salary nets about IDR 9,365,000 after BPJS of IDR 400,000 and PPh 21 of about IDR 235,000 a month. The annual PPh 21 is roughly IDR 2,820,000 once PTKP and the deductible contributions are applied.
What This Calculator Really Does
An Indonesian payslip separates the BPJS social funds from income tax, and the tax is computed on an annual base, not monthly. First the BPJS employee share is deducted: JHT at 2%, JP at 1% and Kesehatan at 1%. The JHT and JP contributions are deductible for PPh 21, but Kesehatan is not. Then the occupational allowance of 5% (capped) and the PTKP threshold are subtracted before the progressive rates apply.
The rules it applies
- BPJS: JHT 2% of salary, JP 1% capped at an IDR 10,547,400 base, Kesehatan 1% capped at an IDR 12,000,000 base.
- Occupational allowance: 5% of gross, capped at IDR 500,000 a month.
- PTKP: IDR 54,000,000 a year for a single taxpayer.
- PPh 21 bands: 5% to IDR 60m, 15% to 250m, 25% to 500m, 30% to 5bn, 35% above.
- Not modelled: dependents (which raise PTKP), the TER monthly method, and zakat or religious contributions.
Worked example with real numbers
Gross IDR 10,000,000 a month = IDR 120,000,000 a year. BPJS = JHT 200,000 + JP 100,000 + Kesehatan 100,000 = IDR 400,000 a month. Annual base = 120,000,000 - 6,000,000 (occupational allowance) - 3,600,000 (deductible JHT + JP) - 54,000,000 (PTKP) = IDR 56,400,000. PPh 21 = 5% = IDR 2,820,000 a year, about IDR 235,000 a month. Take-home = IDR 9,365,000 a month.
Reading the result
The donut splits PPh 21 from the BPJS contributions, because the BPJS funds are your retirement and health benefits, not lost income. Note that only JHT and JP reduce the tax base; Kesehatan does not, which is a common source of confusion. If you have dependents, your PTKP rises and your PPh 21 falls. Employers also pay their own larger BPJS share, which never appears on your payslip.
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Frequently Asked Questions
How is the Indonesia take-home salary calculated?
Gross salary minus BPJS (JHT 2%, JP 1%, Kesehatan 1%), then annual PPh 21 on income after the 5% occupational allowance, the deductible JHT and JP contributions and the IDR 54m PTKP. The steps panel shows each layer.
What do I need to use the Indonesia Take-Home Salary Calculator?
Only your gross monthly salary. The BPJS rates, the caps, the occupational allowance and the PTKP are all built in.
What does the result from the Indonesia Take-Home Salary Calculator show?
Monthly take-home with BPJS and PPh 21 itemised, plus a donut chart of how the gross divides.
Which BPJS contributions reduce Indonesian income tax?
JHT (2%) and JP (1%) are deductible for PPh 21; Kesehatan (1%) is not. That is why the taxable base is lower than gross minus all BPJS.
Is the Indonesia Take-Home Salary Calculator really free?
Yes — 100% free, no sign-up, everything runs in your browser.