Work out your monthly BPJS contributions in Indonesia. Enter your salary and see exactly what you pay, what your employer pays, and what lands in your account — for BPJS Kesehatan (health insurance) and BPJS Ketenagakerjaan (JHT, JKK, JKM, JP and JKP). Everything runs in your browser; nothing is uploaded.
BPJS Kesehatan: 5% of salary (4% employer + 1% employee), capped at a salary base of Rp 12,000,000 per month (Perpres 64/2020). BPJS Ketenagakerjaan: JHT old-age 5.7% (3.7% employer + 2% employee); JKK work accident 0.24–1.74% (employer only, by risk class); JKM death 0.3% (employer only); JP pension 3% (2% employer + 1% employee), capped at a salary base of about Rp 11,086,300 (adjusted yearly); JKP job-loss 0.22% (employer only; the government pays a further 0.24%).
BPJS Kesehatan is capped: contributions are calculated on at most Rp 12,000,000 of salary a month. The JP pension part is capped lower, at about Rp 11,086,300. Above those caps the amount stays flat even if your salary is higher.
BPJS Kesehatan is health insurance — doctor visits, hospital care and medicines. BPJS Ketenagakerjaan is employment insurance: JHT (old-age savings), JKK (work accidents), JKM (death benefit), JP (pension) and JKP (job loss). Salaried employees are covered by both.
As a PBPU (non-wage) participant you pay a fixed monthly amount by class: Class 1 Rp 150,000, Class 2 Rp 100,000 or Class 3 Rp 35,000. Choose the class in the calculator to see your amount. Ketenagakerjaan cover for freelancers is optional and arranged separately.
Disclaimer: This is an estimate based on the BPJS rates and caps published for 2025–2026. Rates and caps change — the JP cap is adjusted yearly — so always check your payslip and the official BPJS pages before relying on a figure. This tool is not affiliated with BPJS and is not financial advice.