BPJS Kesehatan Calculator
Hitung iuran BPJS Kesehatan karyawan dan perusahaan (1% + 4%).
Max salary dihitung: Rp 12.000.000 sesuai aturan BPJS.
Aturan resmi BPJS Kesehatan
- 1% dibayar karyawan
- 4% dibayar perusahaan
- Batas gaji maksimum: Rp 12.000.000
Cara kerja kalkulator
- Anda masukkan gaji bulanan
- Kami cek batas maksimal gaji
- Kami hitung 1% (karyawan) dan 4% (perusahaan)
- Hasilnya langsung ditampilkan
How BPJS Kesehatan Contribution Is Calculated
BPJS Kesehatan is Indonesia’s national health insurance program. This calculator estimates the employee 1% and employer 4% contributions based on your monthly salary, following the 2026 BPJS rules.
- BPJS is calculated from monthly salary (gaji bulanan).
- The maximum salary used for BPJS is Rp 12.000.000 per month.
- Employee pays 1% of capped salary.
- Employer pays 4% of capped salary.
- Total BPJS Kesehatan = 5% of capped salary.
BPJS Kesehatan Contribution Rates (2026)
| Category | Rate | Paid By |
|---|---|---|
| Employee Contribution | 1% | Employee |
| Employer Contribution | 4% | Company |
| Total BPJS Kesehatan | 5% | Shared 1% + 4% |
Salary Cap for BPJS Calculation
BPJS uses a salary cap to prevent excessive contribution amounts. The maximum salary counted is:
Rp 12.000.000 per month
Examples:
| Monthly Salary | Salary Used for BPJS | Total BPJS (5%) |
|---|---|---|
| Rp 6.000.000 | Rp 6.000.000 | Rp 300.000 |
| Rp 12.000.000 | Rp 12.000.000 | Rp 600.000 |
| Rp 20.000.000 | Rp 12.000.000 (capped) | Rp 600.000 |
Why This Calculator Is Useful
- Automatically applies the salary cap.
- Accurate BPJS formula based on 2026 rules.
- Shows employee + employer contribution.
- Perfect for payroll, HR teams, and employees.
- Instant results with clean breakdown.
FAQs
Is BPJS calculated from basic salary or full income?
BPJS Kesehatan is calculated from your monthly salary (gaji bulanan) up to a maximum of Rp 12.000.000.
Does BPJS reduce taxable income?
No. BPJS Kesehatan does not reduce PKP. Only BPJS Ketenagakerjaan (JHT + Jaminan Pensiun) affects PKP.
Who pays BPJS: employee or employer?
Employee pays 1%, employer pays 4%. Total BPJS contribution = 5% of capped salary.
Is this calculator updated for 2026?
Yes. The salary cap (Rp 12.000.000) and 1% + 4% rates follow the 2026 BPJS regulations.