Take-home pay calculator

Base salary and allowances to take-home pay: income tax (PPh 21 TER), BPJS, overtime, and the cost to the business. Free, no account. Numbers are calculated in your browser and not saved.

Take-home payRp4.365.000

Earnings

Base salary	Rp4.500.000
Total	Rp4.500.000

Deductions

BPJS Health	Rp45.000
Old-age savings (JHT)	Rp90.000
Total	Rp135.000

Paid by the business on top of salary

BPJS Health (paid by business)	Rp180.000
Work accident (JKK, paid by business)	Rp10.800
Death benefit (JKM, paid by business)	Rp13.500
JHT (paid by business)	Rp166.500
Total	Rp370.800

Cost to the business for this person: Rp4.870.800 a month.

This year's pension (JP) wage cap is not verified yet; JP is not counted. Add it by hand if your business must join JP.

Rules used (the same as the Nadi app)

bpjs.jht: effective 2026-01-01. Source: https://www.bpjsketenagakerjaan.go.id/penerima-upah.html (diakses 31 Okt 2026)
bpjs.kesehatan: effective 2026-01-01. Source: Perpres 82/2018 Pasal 30 jo. Perpres 64/2020, Pasal 32 jo. Perpres 59/2024 (peraturan.bpk.go.id); dibaca 31 Okt 2026
bpjs.jp: effective 2026-01-01, not yet checked against the official text so not counted. Source: https://www.bpjsketenagakerjaan.go.id/penerima-upah.html (diakses 31 Okt 2026)
bpjs.jkm.pemberi_kerja: effective 2026-01-01. Source: https://www.bpjsketenagakerjaan.go.id/penerima-upah.html (diakses 31 Okt 2026)
bpjs.jkk.pemberi_kerja: effective 2026-01-01. Source: https://www.bpjsketenagakerjaan.go.id/penerima-upah.html (diakses 31 Okt 2026)
pph21.ter: effective 2024-01-01. Source: Lampiran PP 58/2023 (jdih.kemenkeu.go.id/api/download/e47c3fc4-a912-4bf1-bcad-335fee3f71f8/2023pp058.pdf) via PMK 168/2023; dibaca 31 Okt 2026
pph21.kategori: effective 2024-01-01. Source: PP 58/2023 Pasal 2 ayat (2); dibaca 31 Okt 2026
lembur.pp35: effective 2021-02-02. Source: PP 35/2021 Pasal 31 (peraturan.bpk.go.id); dibaca 31 Okt 2026

Income tax uses the effective rates (TER) of PP 58/2023 and PMK 168/2023; BPJS uses each programme's official rates; overtime follows PP 35/2021 Article 31. Only rules checked against the official text are used; any that are not yet checked are named below the result.

New labour law

Law 27/2026 on Labour Protection has applied since 28 Oct 2026 and revokes Law 13/2003. This calculation still uses the earlier rules. Nadi is matching its articles against the new law, so check again before paying or deciding.

Read the official text

This is an estimate for a normal month. In Nadi, the same calculation runs for every employee at once, with payslips, an annualised December, and the Payroll gate. Try Nadi without signing up.

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