BPJS Calculator (Indonesia)
Calculate BPJS Kesehatan and BPJS Ketenagakerjaan (JHT, JP, JKK, JKM) contributions for employees and employers.
ℹ️Über diesen Rechner
BPJS (Badan Penyelenggara Jaminan Sosial) covers two mandatory social security programs in Indonesia. BPJS Kesehatan provides health insurance: employees pay 1% and employers pay 4% of salary (capped at Rp 12,000,000/month). BPJS Ketenagakerjaan covers JHT (old-age savings, 2% employee + 3.7% employer), JP (pension, 1% employee + 2% employer, capped at Rp 9,559,600/month per 2024 regulation), JKK (workplace accident insurance, employer only, 0.24%–1.74% by risk class), and JKM (death benefit, 0.3% employer).
Häufig gestellte Fragen
What is BPJS Kesehatan?
BPJS Kesehatan is Indonesia's mandatory national health insurance. Employees contribute 1% of salary and employers contribute 4%, with contributions calculated on a salary capped at Rp 12,000,000/month. Maximum employee contribution is Rp 120,000/month.
What is JHT (Jaminan Hari Tua)?
JHT is old-age savings under BPJS Ketenagakerjaan. Employee 2% + Employer 3.7% of salary. Workers can withdraw JHT upon reaching age 56, resignation (after 10 years), disability, or death. JHT funds grow with interest from BPJS.
What is JP (Jaminan Pensiun)?
JP provides monthly pension income starting at retirement age (56 years). Employee 1% + Employer 2%, calculated on salary capped at Rp 9,559,600/month (2024 per Permenaker 2/2024). Workers who resign before retirement age receive a lump-sum payout.
What are JKK and JKM?
JKK (Jaminan Kecelakaan Kerja) covers workplace accidents and occupational diseases — paid by employer only at 0.24%–1.74% of salary based on business risk class. JKM (Jaminan Kematian) provides a death benefit to beneficiaries — paid by employer only at 0.3% of salary.
Can I use BPJS Kesehatan without an employer?
Yes. You can register as PBPU (Peserta Bukan Penerima Upah / mandiri). Rates: Kelas III Rp 42,000/month, Kelas II Rp 100,000/month, Kelas I Rp 150,000/month (2024 rates). You pay the full amount yourself.