Deposito Calculator (Indonesia)
Calculate Indonesian time deposit (deposito berjangka) returns with 20% withholding tax, for monthly or at-maturity payout.
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Deposito berjangka (time deposit) is the most popular savings product in Indonesia, offering higher interest than regular savings accounts at a fixed rate for a fixed tenor (1–24 months). Interest earned is subject to 20% final withholding tax (PPh Pasal 4 Ayat 2), automatically deducted by the bank. This calculator shows gross interest, tax withheld, and net interest for both monthly payout and at-maturity payout options.
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What is deposito berjangka?
A time deposit (deposito berjangka) locks your money for a fixed period (1–24 months) at a guaranteed interest rate, typically higher than a regular savings account. Popular tenors are 1, 3, 6, and 12 months. Your principal is safe and covered by LPS up to Rp 2 billion.
How much tax is withheld from deposito interest?
Indonesian deposito interest is subject to a 20% final withholding tax (PPh Pasal 4 Ayat 2). This is automatically deducted by the bank before paying out interest. Exception: if your principal is Rp 7,500,000 or below, the tax rate is 0%.
What is the minimum deposit amount?
Minimums vary by bank. Most conventional banks require Rp 1,000,000–Rp 10,000,000. Some digital banks and cooperative savings institutions accept lower amounts.
Can I withdraw deposito before maturity?
Early withdrawal (pencairan sebelum jatuh tempo) usually incurs a penalty of around 0.5%–1% of principal, applied against the interest owed. Some banks waive the penalty with sufficient advance notice. Check your bank's terms before committing.
Deposito vs reksa dana pasar uang — which is better?
Deposito offers guaranteed returns and principal is protected by LPS (Lembaga Penjamin Simpanan) up to Rp 2 billion. Reksa dana pasar uang may offer slightly higher returns but with minor daily fluctuations and no LPS protection. Deposito is ideal for capital preservation; money market funds are better for slightly higher returns with daily liquidity.