Free Tool

Take-Home Pay Calculator

Estimate your take-home pay based on PPh 21, BPJS, and current Indonesian regulations.

Salary Breakdown

Total Gross Earnings —

PPh 21 —

BPJS Kesehatan —

BPJS JHT (employee) —

BPJS JP (employee) —

Total Deductions —

Take-Home Pay (THP) —

Estimated employer cost ▸ Employer cost breakdown —

Employee gross earnings —

BPJS Kesehatan (4%) —

JKK (by industry risk) —

JKM (0.30%) —

JHT (3.70%) —

JP (2.00%) —

PPh 21 borne by employer —

Calculation Assumptions & Rates Based on current Indonesian regulations

BPJS Kesehatan	1% employee / 4% employer	max salary Rp 12 million
BPJS JHT	2% employee / 3.7% employer
BPJS JP	1% employee / 2% employer	max salary Rp 11,086,300
PPh 21	Annualization + progressive bracket	PMK 168/2023
Position cost	5% of net gross	max Rp 6 million/year
PTKP	Per selected PTKP code	PMK 101/2016

Calculated for January (first month, no accumulated history), without overtime or THR.

PMK 168/2023

Employer BPJS contributions (Kes, JKK, JKM) are included in taxable gross, not ignored like older methods.

Accurate BPJS rates

JHT 2% / JP 1% employee per PP 44/2015. Some calculators have these rates swapped.

Production engine

Uses the exact same payroll engine as real Interwise payroll runs, not a separate simulation.