BPJS Calculator
IndonesiaEnter a monthly salary to see how much BPJS comes out of your pay and how much your employer covers. The result is split by program: BPJS Kesehatan, JHT, JP, JKK and JKM.
The BPJS Kesehatan base cannot fall below your regional minimum wage. Leave blank if you do not know it.
Office work is usually group 1. Factories and field work rate higher. Ask HR.
Beyond a spouse and 3 children. Each adds 1% of wage, paid by the employee.
BPJS deduction from salary
Rp 320.000
The employee share in total. This is what comes out each month.
Employer
Rp 819.200
Employer cost per month
Rp 8.819.200
Wage plus every employer share.
| Program | Contribution base | Employer | Employee |
|---|---|---|---|
| BPJS Kesehatan | Rp 8.000.000 | Rp 320.000 | Rp 80.000 |
| JHT (Old-age) | Rp 8.000.000 | Rp 296.000 | Rp 160.000 |
| JP (Pension) | Rp 8.000.000 | Rp 160.000 | Rp 80.000 |
| JKK (Work accident) | Rp 8.000.000 | Rp 19.200 | Rp 0 |
| JKM (Death) | Rp 8.000.000 | Rp 24.000 | Rp 0 |
| Total | Rp 819.200 | Rp 320.000 |
How BPJS contributions are calculated
Each program has its own rate and wage base. Every result is rounded to the whole rupiah.
- BPJS Kesehatan: 5% of wage, employer 4% and employee 1%. The wage used is at most Rp12,000,000 and at least the UMK. Each extra family member adds 1% for the employee.
- JHT: 5.7% of wage, employer 3.7% and employee 2%. No wage cap.
- JP: 3% of wage, employer 2% and employee 1%, on wages up to the JP cap (Rp 11.086.300 since March 2026). The cap rises every March.
- JKK: paid by the employer only, 0.24% / 0.54% / 0.89% / 1.27% / 1.74% for risk groups 1 to 5.
- JKM: paid by the employer only, 0.30% of wage.
- JKP (job-loss benefit) adds no deduction. It is funded by recomposing JKK and JKM contributions plus government money.
Example: Rp8,000,000 wage, JKK group 1
- BPJS Kesehatan: 5% × 8,000,000 = Rp400,000 (employer Rp320,000, employee Rp80,000).
- JHT: employer Rp296,000 (3.7%), employee Rp160,000 (2%).
- JP: employer Rp160,000 (2%), employee Rp80,000 (1%).
- JKK Rp19,200 and JKM Rp24,000, both employer.
The employee deduction is Rp320,000. The employer pays Rp819,200, so the cost to the company is Rp8,819,200 per month.
Legal basis
- Perpres 82/2018 and Perpres 64/2020: BPJS Kesehatan contributions for salaried and self-paying members.
- PP 46/2015: Jaminan Hari Tua (JHT).
- PP 45/2015: Jaminan Pensiun (JP), including the yearly wage cap adjustment.
- PP 44/2015 and PP 82/2019: JKK and JKM.
- PP 37/2021: Jaminan Kehilangan Pekerjaan (JKP).
Official sources: bpjsketenagakerjaan.go.id and bpjs-kesehatan.go.id.
FAQ
How much BPJS is deducted from an employee's salary?
The employee share is 1% BPJS Kesehatan, 2% JHT and 1% JP, so 4% of wage while the wage stays under the caps. JKK and JKM are not deducted.
What is the difference between JHT and JP?
JHT is a savings balance you can withdraw at retirement, when you leave a job (under the rules), or on death. JP is a monthly income after retirement, and needs at least 15 years of contributions.
What is the JP wage cap?
Wages above the cap are not charged JP. The cap is adjusted every March using the previous year's GDP growth. For 2025 it was Rp10,547,400. Since 1 March 2026 it is Rp11,086,300 (BPJS Ketenagakerjaan circular B/1226/022026).
What is the BPJS Kesehatan contribution above Rp12 million?
The base is capped at Rp12,000,000, so the 5% total is Rp600,000 a month: Rp480,000 from the employer and Rp120,000 from the employee.
Who pays JKK and JKM?
The employer. Employees pay nothing for these two programs. The JKK rate depends on the job risk group of the company.
How are extra family members charged?
Each member beyond a spouse and three children (parents or in-laws, for example) adds 1% of wage, paid by the employee.
Is the employer's BPJS contribution taxable?
JKK, JKM and BPJS Kesehatan premiums paid by the employer count as gross income for PPh 21. The employer's JHT and JP shares do not.
What does self-paying BPJS Kesehatan cost?
Class 1 is Rp150,000, class 2 Rp100,000 and class 3 Rp42,000 (the member pays Rp35,000 after subsidy), per person per month.
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Rates last checked: 2026-11-14