Indonesia Take-Home Salary Calculator
See your net monthly pay after BPJS contributions and PPh 21 income tax.
Estimate only. Not tax advice — confirm with your employer's payroll team.
Four things reduce your gross salary
Indonesian payroll deducts three BPJS (social security) contributions and one income tax from your gross salary each month. Employers pay additional BPJS contributions on top, but those don't come out of your pay — this calculator focuses on what actually leaves your salary.
The three employee-side BPJS deductions
| Program | Employee rate | Wage cap |
|---|---|---|
| BPJS Kesehatan (health) | 1% | Rp12,000,000 |
| JHT — old-age savings | 2% | None |
| JP — pension | 1% | Rp11,086,300 (from March 2026) |
Two other BPJS Ketenagakerjaan programs — JKK (workplace accident) and JKM (death benefit) — are 100% employer-funded, so they don't touch your paycheck at all.
PPh 21, your PTKP allowance, and how monthly withholding actually works
Before tax applies, your income is reduced by a standard 5% occupational expense deduction (capped at Rp500,000/month), your JHT and JP contributions, and your PTKP — a tax-free threshold that depends on your marital and dependent status, from Rp54,000,000/year for a single person up to Rp72,000,000/year for a married person with 3+ children.
| Taxable income (PKP) | Rate |
|---|---|
| Up to Rp60,000,000 | 5% |
| Rp60,000,000 – Rp250,000,000 | 15% |
| Rp250,000,000 – Rp500,000,000 | 25% |
| Rp500,000,000 – Rp5,000,000,000 | 30% |
| Above Rp5,000,000,000 | 35% |
Since January 2024, employers actually withhold tax monthly using a simplified "TER" (Tarif Efektif Rata-rata) effective-rate lookup table, not the progressive brackets directly — so your real payslip may show a slightly different monthly figure than this calculator. Both methods reconcile to the exact same annual total every December, which is what this calculator estimates.
FAQ
Do foreign employees pay BPJS?
Yes — foreign nationals who have worked in Indonesia for six months or longer are required to participate in both BPJS Kesehatan and BPJS Ketenagakerjaan on the same basis as local employees.
Why did the JP wage cap change mid-year?
The JP (pension) ceiling adjusts annually based on GDP growth under government regulation, and took effect 1 March 2026 rather than 1 January — so if you're comparing against an older figure, check the effective date.