Take-Home Salary Calculator (Indonesia)

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About this tool

Gaji bersih after BPJS and PPh 21 (official TER tables)

Calculate Indonesia take-home pay (gaji bersih): BPJS + PPh 21 with the official PP 58/2023 TER tables and the Article-17 annual view. Free, in-browser.

RT-FIN-271 · Finance & Money · Reviewed Jun 2026

Calculate your Indonesian take-home pay (gaji bersih): gross to net after employee BPJS (Kesehatan + Ketenagakerjaan) and PPh 21 under the official 125-row TER tables — with the Article-17 annual view and December true-up. Everything runs in your browser.

Gross monthly salary (Rp)

Annual bonus (Rp, optional)

PTKP status

📅 Research current as of 11 Jun 2026 · Sources: BPJS: Kesehatan 1%/4% (cap Rp12jt), JHT 2%/3.7%, JP 1%/2% (cap Rp11,086,300 — re-indexed every March). PPh21: full 125-row PP 58/2023 TER tables (verified vs the BPK statute + DJP deck) + Art-17 true-up.

Rates, regulations, and lender practices change frequently — verify current figures with your provider or licensed advisor before acting.

Take-home / month (Jan–Nov)

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PPh 21 / month (TER) (—)

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Employee BPJS / month

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Net / year

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BPJS breakdown (employee)

BPJS Kesehatan (1%)

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JHT (2%)

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JP (1%, capped)

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Annual view (Article 17)

Biaya jabatan

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PTKP

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Taxable income (PKP)

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Annual tax

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December true-up

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⚠ Estimates only — not tax advice. Rates as at 2026-06-11 (TER per PP 58/2023; JP cap re-indexed every March). DJP's and your payroll's computation prevail.

From gross to take-home in Indonesia

Enter your monthly salary (Rp)

Type your gross monthly salary (base + fixed allowances). The calculator works out BPJS contributions and PPh 21 withholding automatically.

Pick your PTKP status

TK/0 through K/3 — marital status and dependants set your TER category (A/B/C) and annual PTKP.

Add your annual bonus (optional)

Bonuses count toward annual gross income for the Article-17 annual view.

Read the simulation

Results show monthly net pay (the January–November payslip under TER), the BPJS breakdown, plus the annual tax and December true-up under the Article 17 rates.

From gross to take-home in Indonesia

An Indonesian payslip nets off two things: employee BPJS contributions and PPh 21 income tax. The BPJS side is 1% Kesehatan (on salary up to Rp 12 million), 2% JHT on the full salary, and 1% Jaminan Pensiun up to the cap (Rp 11,086,300 since March 2026, indexed to GDP every March). JKK, JKM and JKP cost the employee nothing.

Since 2024, the monthly tax is withheld at the TER — a flat average effective rate read from the official PP 58/2023 tables by income band and PTKP category. This calculator embeds all 125 rows, so the January–November figure matches what payroll actually withholds.

December works differently: the year's tax is recomputed under the progressive Article 17 rates — annual gross minus biaya jabatan (5%, capped Rp 6 million), minus deductible employee BPJS (JHT + JP), minus PTKP — and the difference against eleven months of TER is settled. The annual view here mirrors that computation.

PTKP status drives everything: it sets both the TER category (A/B/C) and the annual tax-free threshold (Rp 54–72 million). Married status and up to three dependants raise it in Rp 4.5 million steps.

Scope: permanent employees (pegawai tetap) on monthly salaries with resident tax status. Daily-paid workers (daily TER), non-employees, benefits-in-kind, and zakat are outside this model.

10 Facts About Indonesian Take-Home Pay

Since January 2024, monthly PPh 21 withholding uses the average effective rate (TER) — a flat rate looked up from the official PP 58/2023 tables, not a monthly progressive computation.

The TER tables have three categories by PTKP status: A (TK/0, TK/1, K/0), B (TK/2, TK/3, K/1, K/2) and C (K/3) — 125 rate rows in total.

December is the true-up month: the annual tax is recomputed under the progressive Article 17 rates, minus the January–November TER withholdings.

PTKP has been unchanged since 2016: Rp 54 million a year (TK/0), plus Rp 4.5 million for married status and per dependant (max 3).

The occupational deduction (biaya jabatan) reduces net income: 5% of gross, capped at Rp 500 thousand a month or Rp 6 million a year.

Employee BPJS contributions: 1% Kesehatan (Rp 12 million salary cap), 2% JHT (uncapped), and 1% JP (capped at Rp 11,086,300 as of March 2026).

The Jaminan Pensiun wage cap rises every March with GDP growth — this calculator carries the March 2026 figure.

JKP (job-loss insurance) costs employees nothing — it is funded by the government and a recomposition of JKK/JKM.

Article 17 rates step from 5% (taxable income to Rp 60 million) up to 35% (above Rp 5 billion).

A Rp 10 million salary at TK/0: the 2% TER withholds Rp 200 thousand a month — the official example in DJP's socialization deck.

Frequently Asked Questions

Take-home = gross monthly salary − employee BPJS contributions (Kesehatan 1%, JHT 2%, JP 1% with cap) − the monthly PPh 21 withholding at the TER rate.
The average effective rate (PP 58/2023): a flat monthly rate looked up from the official tables by gross income and PTKP category. It applies January–November; December uses the Article 17 annual computation.
Category A for TK/0, TK/1 and K/0; B for TK/2, TK/3, K/1 and K/2; C for K/3. The calculator picks it automatically from your PTKP status.
TER is deliberately coarse; December recomputes the annual tax under Article 17 (after biaya jabatan, employee BPJS, and PTKP) and settles the difference. This calculator shows both views.
Three: BPJS Kesehatan 1% (Rp 12 million cap), JHT 2% (uncapped), and JP 1% (Rp 11,086,300 cap). JKK, JKM and JKP are fully employer/government-funded.
No. JKP is funded by the central government and a recomposition of JKK/JKM — your payslip shows Rp 0 for it.
It joins annual gross income in the Article-17 view (affecting annual tax and the December true-up). Actual payroll withholding in the bonus month can differ.
Payroll may use different wage components (variable allowances, benefits-in-kind), another JKK risk class, or its own rounding. The TER rates here match the official tables exactly; differences usually come from wage composition.
Yes — this models permanent employees (pegawai tetap) on monthly salaries. Non-permanent employees use the daily TER and non-employees use other schemes.
No. Everything runs in your own browser — salary figures are never sent to any server or stored; closing the page erases them.

Important — please read.

Estimates only — not tax, financial, or legal advice, and not a substitute for DJP's computation or your employer's payroll. Wage composition (variable allowances, benefits-in-kind), JKK risk classes, and zakat are not modelled.

No affiliation. RECATOOLS is not affiliated with, endorsed by, or representing DJP/Kemenkeu, BPJS Kesehatan, BPJS Ketenagakerjaan, or any government agency.

Rates as at 2026-06-11. The JP wage cap changes every March (GDP-indexed); the BPJS Kesehatan structure is under post-KRIS review; TER tables are fixed by PP 58/2023. Verify at pajak.go.id and the BPJS sites.

Scope limits: permanent employees, resident taxpayers, monthly salaries. Not for daily-paid or non-employee schemes.

No warranty; limitation of liability. Provided "as is" without warranty of any kind. To the maximum extent permitted by law, RECATOOLS accepts no liability for any loss arising from use of this calculator.

Privacy. All calculations run locally in your browser; no salary or personal data is transmitted or stored.