What is included in the total monthly payment?

Principal and interest (the actual loan payment), property taxes, homeowner's insurance, and PMI if your down payment is under 20%. This gives you the real cost of owning the home each month.

What is PMI and when does it go away?

Private Mortgage Insurance (PMI) is required when your down payment is less than 20%. It typically costs 0.3-1.5% of the loan annually. PMI automatically drops off when you reach 20% equity (80% LTV).

How much down payment do I need?

A 20% down payment avoids PMI and results in lower monthly payments. However, many loans allow 3-5% down. FHA loans require 3.5% minimum.

What does a mortgage payment actually include?

A full mortgage payment is often described as PITI: Principal (reduces your loan balance), Interest (lender's fee), Taxes (property tax collected in escrow), and Insurance (homeowner's insurance plus PMI if your down payment is under 20%). This calculator shows principal and interest only — add your local tax and insurance estimates to get your true monthly cost.

When can I remove PMI?

Private Mortgage Insurance (PMI) is required when your down payment is below 20% and typically costs 0.5–1.5% of the loan per year. You can request cancellation once your equity reaches 20% through payments or appreciation. Lenders are legally required to automatically cancel PMI when your balance drops to 78% of the original purchase price.

Kalkulator KPR

Hitung cicilan KPR bulanan termasuk pokok dan bunga.

Harga Rumah

Uang Muka

Suku Bunga Tahunan

Jangka Pinjaman

Tarif pajak properti tahunan

Asuransi rumah tahunan

Tarif PMI (jika < 20% DP)

Total pembayaran bulanan

$2,337.85

Pokok & Bunga$1,862.85

Pajak properti$350.00

Asuransi rumah$125.00

Jumlah Pinjaman$280,000.00

Uang Muka$70,000.00 (20.0%)

Total Bunga$390,624.92

Total biaya (semuanya)$841,624.92

Pokok

Total Bunga

Tahun-by-Tahun (30 years)

Tahun	Remaining	Pokok	Total Bunga
Tahun 1	$277,155.73	$2,844.27	$19,509.90
Tahun 2	$274,105.85	$3,049.88	$19,304.28
Tahun 3	$270,835.50	$3,270.36	$19,083.81
Tahun 4	$267,328.73	$3,506.77	$18,847.39
Tahun 5	$263,568.45	$3,760.27	$18,593.89
Tahun 6	$259,536.35	$4,032.11	$18,322.06
Tahun 7	$255,212.76	$4,323.59	$18,030.58
Tahun 8	$250,576.62	$4,636.14	$17,718.02
Tahun 9	$245,605.33	$4,971.29	$17,382.88
Tahun 10	$240,274.67	$5,330.66	$17,023.50
Tahun 11	$234,558.66	$5,716.01	$16,638.15
Tahun 12	$228,429.43	$6,129.23	$16,224.94
Tahun 13	$221,857.13	$6,572.31	$15,781.86
Tahun 14	$214,809.70	$7,047.42	$15,306.74
Tahun 15	$207,252.83	$7,556.88	$14,797.28
Tahun 16	$199,149.66	$8,103.17	$14,251.00
Tahun 17	$190,460.71	$8,688.95	$13,665.22
Tahun 18	$181,143.64	$9,317.07	$13,037.09
Tahun 19	$171,153.04	$9,990.60	$12,363.56
Tahun 20	$160,440.22	$10,712.82	$11,641.34
Tahun 21	$148,952.97	$11,487.25	$10,866.91
Tahun 22	$136,635.30	$12,317.67	$10,036.50
Tahun 23	$123,427.18	$13,208.11	$9,146.05
Tahun 24	$109,264.25	$14,162.93	$8,191.23
Tahun 25	$94,077.49	$15,186.77	$7,167.40
Tahun 26	$77,792.87	$16,284.62	$6,069.54
Tahun 27	$60,331.03	$17,461.84	$4,892.33
Tahun 28	$41,606.87	$18,724.16	$3,630.01
Tahun 29	$21,529.15	$20,077.73	$2,276.44
Tahun 30	$0.00	$21,529.15	$825.02

On a $350,000.00 home with $70,000.00 (20.0%) down at 7.00%: P&I is $1,862.85/mo, plus $350.00 tax, $125.00 insurance. Total: $2,337.85/month. Over 30 years you'll pay $390,624.92 in interest.

Analisis Bagaimana Jika

Suku Bunga Tahunan$2,337.85

Tarif pajak properti tahunan$2,337.85

Tarif PMI (jika < 20% DP)$2,337.85

Most people underestimate their all-in monthly cost by 30–40% when they only look at principal + interest.

Langkah berikutnya

Net Worth Calculator

Track whether this home purchase moves your net worth forward

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Tentang Kalkulator Ini

Kalkulator ini membantu Anda memperkirakan cicilan pokok dan bunga bulanan. Bandingkan berbagai harga properti, uang muka, dan suku bunga sebelum membuat salah satu keputusan keuangan terbesar dalam hidup Anda.

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Pertanyaan Umum

Apa yang tidak termasuk dalam kalkulator ini?

Hanya pokok dan bunga. Cicilan aktual Anda juga akan mencakup pajak PBB, asuransi jiwa, dan asuransi kebakaran.

Berapa uang muka yang saya butuhkan?

Umumnya minimal 10-20% dari harga properti untuk KPR di Indonesia. Uang muka lebih besar berarti cicilan bulanan lebih rendah.

📖

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.