Compound Interest and Deposit Calculator

Without extra deposits, final balance = P × (1 + r ÷ m)^(m × t), where P is the starting principal, r is the nominal annual rate, m is how many times interest compounds per year and t is the time in years. Example: Rp10 million at 6% per year compounded monthly for 5 years becomes about Rp13.49 million.

This tool also adds monthly deposits at the start or end of the month. The more often interest compounds and the longer the time, the bigger the compounding effect. A fixed rate is only an assumption; real investment returns go up and down.

Interest on deposits and savings is subject to 20% final income tax on the gross amount, withheld by the bank (PP 131/2000). No tax is withheld if the deposit or savings balance is not more than Rp7,500,000 (PMK 212/PMK.03/2018). Some sources read this threshold as the amount of interest; we follow the wording of the rule, which refers to the balance, so confirm with your bank.

LPS (the Indonesia Deposit Insurance Corporation) guarantees deposits up to Rp2 billion per customer per bank, provided the interest received does not exceed the guarantee interest rate (TBP). For 1 October 2026 to 31 January 2027, the rupiah TBP is 3.75% at commercial banks and 6.25% at rural banks (BPR). The TBP is reviewed periodically; this tool flags when the period has passed.

This tool calculates deposit interest as amount × rate × months ÷ 12. Banks often use actual days divided by 365 and round, so results can differ by a few thousand rupiah. With principal-and-interest ARO, any amount that passes the Rp7.5 million threshold starts to be taxed in the following period.