Gross/month
Rp 437.500
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This calculator helps estimate monthly deposit interest, including tax deductions, total net interest, and maturity value.
Gross/month
Rp 437.500
Tax/month
Rp 87.500
Net/month
Rp 350.000
Maturity value
Rp 104.200.000
Month 1
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 2
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 3
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 4
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 5
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 6
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 7
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 8
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 9
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 10
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 11
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Month 12
Gross: Rp 437.500
Tax: Rp 87.500
Net: Rp 350.000
Total gross interest: Rp 5.250.000
Total tax: Rp 1.050.000
Total net interest: Rp 4.200.000
A deposit is a banking product with fixed interest and a set term (tenor). This calculator realistically computes how much you actually receive monthly after 20% interest tax. Useful for comparing different interest rate or tenor scenarios before deciding.
I have Rp 100,000,000 and want to place it in a bank deposit at 5% annual interest for 12 months. How much net interest do I receive monthly?
Input Data:
Result:
From a Rp 100M deposit at 5%, you get about Rp 333,333 net per month after tax. In a year, total net interest is Rp 4M. Compare with other instruments (bonds, mutual funds) to find what suits you best.
What is a Deposit?
A deposit is a fixed-term savings product at a bank with a set interest rate and tenor (1, 3, 6, 12, or 24 months). Money can't be withdrawn before maturity without penalty. Suitable for guaranteed returns without market risk.
Why is deposit interest taxed?
In Indonesia, deposit interest above Rp 7.5M is subject to 20% final tax, automatically deducted by the bank. So interest received is already net. This calculator accounts for that tax deduction.
Deposit vs Money Market Fund, which is better?
Deposits are safer and guaranteed (insured by LPS up to Rp 2B). Money market funds usually offer slightly higher returns and can be redeemed anytime, but aren't guaranteed. Choose based on your liquidity needs and risk tolerance.
What's the minimum deposit amount?
Minimum deposit varies by bank. Generally from Rp 1M to Rp 10M. Some digital banks even offer deposits starting from Rp 100,000. Check directly with your target bank for the latest info.
These materials connect directly to how you use this tool. Read them first so the numbers are more meaningful when making decisions.