Retirement Calculator
Plan your retirement with confidence. This calculator helps you determine how much you need to save for a comfortable retirement, factoring in contributions fromBPJS Jaminan Hari Tua (JHT) and BPJS Jaminan Pensiun (JP)that you receive as a formal employee in Indonesia.
Your Data
Results
You need to invest Rp 2.910.412/month for 25 years to retire comfortably
Retirement Fund Growth Projection
Related Articles
Read these articles to help plan your retirement:
Retirement Savings: Complete Guide
Everything you need to know about saving for retirement.
→DPLK: Financial Institution Pension Funds
How DPLK works and why you should consider it.
→Asset Allocation for Indonesian Investors
The right asset allocation strategy for your risk profile.
→Retail Government Bonds Guide (ORI, SR, ST)
Safe investment with stable returns from the government.
→Bonds and Government Securities: What's the Difference?
Understanding the difference between corporate bonds and government securities.
→How This Calculator Works
Monthly nominal cashflows use an effective monthly investment return. Spending increases with inflation. Contributions and withdrawals occur at month end. JP defaults to zero, stays fixed in nominal rupiah and starts only at the verified age you enter. No statutory benefit, salary cap or eligibility is inferred. JHT is a separate lump sum included only when you confirm access at retirement. The chart shows invested capital, not a capitalized pension. Taxes, fees and market volatility are excluded.
BPJS KetenagakerjaanCheck your monthly gap after BPJS
Uses the same verified JP amount and starting age as the main calculator. Change those inputs above to update both results. Zero means no benefit assumed.
- Desired monthly spending at retirement
- IDR 16,593,139
- JP available at retirement age
- IDR 0
- Monthly amount to fund yourself
- IDR 16,593,139
Bridge period: fund all spending until JP starts. The later benefit does not cover the earlier gap.
Illustrated JHT lump sum in the main calculator: IDR 0. JHT is capital, not monthly income. Do not count it twice or assume it can be claimed at your chosen retirement age.
JP eligibility, contribution history, pension age and benefit limits must be checked with BPJS. The entered benefit is not an official benefit quote. Future inflation can widen this gap. This local panel sends no analytics events.
Verify with BPJS KetenagakerjaanFrequently Asked Questions
Why does the retirement fund needed look so large?
The inflation slider is an assumption, not a statement of current or historical inflation. Higher inflation increases future spending and the capital needed.
Nominal investment returns and inflation are separate assumptions. The model compounds nominal returns and inflates spending once; neither assumption is a forecast.
📖 Read more: Deposits Losing to Inflation? and How Much Retirement Savings Do You Need?
Why does my retirement money run out so quickly in the chart?
The chart shows a realistic simulation: expenses keep rising due to inflation every year, while investment returns only slightly outpace inflation. Funds are withdrawn to cover expenses — JP (BPJS pension) covers some, the rest comes from JHT and personal savings.
Solutions: start investing earlier, increase your monthly investment, or adjust the life expectancy slider to see the impact.
📖 Read more: FIRE Indonesia: Early Retirement Guide and Why BPJS Isn't Enough
Is BPJS enough for retirement?
Use your verified JP monthly benefit and starting age; the default is zero. Benefits are not inferred from salary. Include JHT only if accessible at your selected retirement age. Check your records with BPJS Ketenagakerjaan.
📖 Read more: Why BPJS Isn't Enough, JHT vs JP: What's the Difference?, and DPLK: Private Pension Funds
How much should I invest monthly?
It depends on your age, target, and lifestyle. The younger you start, the less you need thanks to compound interest. Starting at age 25 vs 35 can reduce your required monthly investment by up to 50%.
📖 Read more: How to Invest 5 Million Rupiah and Dollar Cost Averaging: Myths & Reality
How do I read the chart?
The blue area shows invested capital, including JHT only at retirement if you confirm access. JP is monthly income from your entered start age, not an asset in the chart.
Before retirement: areas grow (accumulation). After retirement: areas shrink (drawdown). If colored areas hit zero before your life expectancy, you need to invest more.
📖 Read more: Asset Allocation and Portfolio Rebalancing Guide
When should I start investing for retirement?
Now. Even small, consistent investments are better than waiting. Compound interest works best with time on your side.
📖 Read more: Overcoming Fear of Investing and Creating an Investment Policy Statement