BPJS Ketenagakerjaan Calculator
Hitung iuran JHT, JP, JKK, dan JKM untuk karyawan dan perusahaan dari gaji bulanan.
Untuk ilustrasi, kalkulator ini memakai persentase umum JHT & JP (employee + employer) serta JKK & JKM perusahaan.
Gaji di atas batas akan dihitung maksimum sebesar nilai cap untuk JP.
Komponen iuran BPJS Ketenagakerjaan
- JHT (Jaminan Hari Tua) – tabungan pensiun jangka panjang.
- JP (Jaminan Pensiun) – manfaat pensiun bulanan.
- JKK (Jaminan Kecelakaan Kerja) – perlindungan saat kecelakaan kerja.
- JKM (Jaminan Kematian) – santunan untuk ahli waris.
Cara kerja kalkulator BPJS Ketenagakerjaan ini
- Anda masukkan gaji bulanan.
- Kalkulator menghitung JHT & JP karyawan dan perusahaan memakai persentase yang ditentukan.
- Kalkulator menghitung JKK & JKM perusahaan.
- Untuk JP, gaji akan dibatasi (cap) pada nilai yang anda isi di kolom cap.
- Hasil: total iuran karyawan, total iuran perusahaan, dan total keseluruhan.
Catatan: Persentase dan salary cap bisa berubah sesuai regulasi pemerintah. Angka di sini adalah ilustrasi umum. Selalu cek aturan resmi BPJS Ketenagakerjaan untuk angka terbaru.
How BPJS Ketenagakerjaan Contributions Are Calculated
BPJS Ketenagakerjaan (BPJS TK) is Indonesia’s social security program for workers. This calculator estimates JHT, JP, JKK, and JKM contributions for both employees and employers based on your monthly salary and the latest 2026 rules.
- JHT (Jaminan Hari Tua): Employee 2% + Employer 3.7%
- JP (Jaminan Pensiun): Employee 1% + Employer 2% (salary cap applies)
- JKK (Jaminan Kecelakaan Kerja): 0.24% (paid by employer)
- JKM (Jaminan Kematian): 0.30% (paid by employer)
BPJS TK Contribution Rates (2026)
| Program | Employee Rate | Employer Rate | Total |
|---|---|---|---|
| JHT (Old Age Security) | 2% | 3.7% | 5.7% |
| JP (Pension) | 1% | 2% | 3% |
| JKK (Work Accident) | 0% | 0.24% | 0.24% |
| JKM (Life Insurance) | 0% | 0.30% | 0.30% |
Pension Salary Cap (JP Cap)
BPJS JP (Jaminan Pensiun) uses a salary cap to limit maximum contributions. For 2026, the salary cap is:
Rp 12.000.000 per month
Example of salary cap application:
| Monthly Salary | Salary Used for JP | JP Total (3%) |
|---|---|---|
| Rp 8.000.000 | Rp 8.000.000 | Rp 240.000 |
| Rp 12.000.000 | Rp 12.000.000 | Rp 360.000 |
| Rp 20.000.000 | Rp 12.000.000 (capped) | Rp 360.000 |
What Each BPJS TK Program Covers
- JHT: Long-term savings you can withdraw later.
- JP: Pension program for retirement benefits.
- JKK: Protection against workplace accidents or injuries.
- JKM: Life insurance providing benefits for the worker’s family.
Why This Calculator Is Useful
- Accurate calculations using official BPJS TK formulas.
- Includes employee + employer breakdown.
- Applies JP salary cap automatically.
- Updated with 2026 BPJS TK contribution rules.
- Perfect for payroll, HR teams, and employees.
FAQs
Why is JP (pension) capped at Rp 12 million?
The government sets a maximum salary for JP calculation to keep pension contributions consistent across all income levels.
Does JHT have a salary cap?
No. JHT is always calculated based on actual monthly salary without a cap.
Are JKK and JKM paid by employees?
No. JKK and JKM are fully paid by the employer with no employee deduction.
Is this calculator updated for 2026?
Yes. All JHT, JP, JKK, and JKM rates follow the latest 2026 BPJS TK regulations.