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Tax, Payroll & Zakat

BPJS Health and Employment Calculator

See how much BPJS is deducted from an employee’s salary and how much the company pays for each program, including the effect of the wage cap and additional family members.

Free · no sign-up · runs in your browser · updated

Use BPJS Health and Employment Calculator

Overtime and non-fixed allowances are not part of the contribution basis. The result follows the wage caps currently in force.

BPJS programs you are enrolled in

Set by BPJS according to the type of business. Offices are usually very low risk.

Beyond the worker, spouse and 3 children: e.g. a 4th child, parents, parents-in-law. Each person adds +1% of wages.

Enter one month’s wage to see the contribution breakdown.

How to use BPJS Health and Employment Calculator

  1. Enter one month’s wage: basic salary plus fixed allowances.

  2. Select the programs you are enrolled in, the JKK risk class, and the number of additional BPJS Health family members if any.

  3. Read the contribution table per program and the total employee and employer shares.

Contribution rates per program

BPJS Health for wage earners: 5% of wages, with 4% paid by the employer and 1% by the worker. Wages above Rp12 million are counted only up to Rp12 million. Members pay an additional 1% for each family member beyond the worker, spouse and three children.

BPJS Employment: Old-Age Security (JHT) 5.7% (3.7% employer, 2% worker) with no wage cap; Pension Security (JP) 3% (2% employer, 1% worker) with a wage cap of Rp11,086,300 since 1 March 2026; Work Accident Security (JKK) 0.24% to 1.74% by risk class and Death Security (JKM) 0.3%, both paid by the employer.

The JP wage cap changes every March

The Pension Security wage cap is adjusted every year under PP 45/2015 (Government Regulation). It was Rp10,547,400 from March 2025 and rose to Rp11,086,300 from March 2026, according to BPJS Employment. Some sites still show the old figure, so check your source.

What is not calculated

Job Loss Security (JKP) is not calculated because it does not reduce workers’ pay. The wage floor (UMK or UMP, regional minimum wage) for the contribution basis, rounding by BPJS, and special provisions such as contribution relaxation programs are also not covered. Workers who are not wage earners have a different contribution scheme.

Questions about BPJS Health and Employment Calculator

What percentage is the employee’s BPJS Health contribution?

A total of 5% of wages: 4% paid by the employer and 1% deducted from the employee’s salary, with a wage cap of Rp12 million. Additional family members are charged 1% per person, paid by the member.

How much JHT and JP is deducted from salary?

JHT is 2% of wages with no cap, and JP is 1% of wages up to a cap of Rp11,086,300 since March 2026. The employer’s shares are 3.7% and 2% respectively.

What is the JKK risk class?

The JKK rate is set by BPJS according to the work accident risk of the type of business, from 0.24% (very low) to 1.74% (very high), and is paid entirely by the employer.

Which wage is the basis for contributions?

Basic salary plus fixed allowances. Overtime, bonuses and non-fixed allowances such as meal allowances based on attendance are generally excluded.

Is my salary data sent to a server?

No. The calculation runs in your browser.

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