Note: This article discusses Indonesian financial products and markets. The principles apply globally, though specific products, regulations, and tax treatments vary by country.

How to Withdraw JHT from BPJS Ketenagakerjaan: Complete 2026 Guide

JHT (Jaminan Hari Tua / Old Age Security) is one of the most frequently asked about BPJS Ketenagakerjaan (Workers’ Social Security) programs: when can it be withdrawn? Many workers are confused whether JHT can be cashed out upon resignation, or if they must wait until retirement.

This article covers everything: what JHT is, withdrawal requirements, step-by-step procedures, applicable taxes, and — most importantly — when you should withdraw JHT and when you shouldn’t.

What Is JHT?

JHT (Jaminan Hari Tua / Old Age Security) is a mandatory savings program from BPJS Ketenagakerjaan. Every month, 5.7% of your salary is deducted for JHT:

• 2.0% from the worker’s salary
• 3.7% from the employer

These funds are collected and invested by BPJS. Investment returns are added to your JHT balance annually — historically around 5-8% per year.

Difference from JP (Jaminan Pensiun / Pension Security):

Program	Withdrawal Method	Amount
JHT	Lump sum	Based on balance
JP	Monthly for life	Based on formula

For a complete explanation, read JHT vs JP.

When Can JHT Be Withdrawn?

Based on PP 37/2021 (Government Regulation on the Implementation of Old Age Security Program), JHT can be withdrawn under the following conditions:

Condition	Minimum Age	Additional Requirements	Amount
Normal retirement	56 years old	No longer working	100%
Resignation/Layoff	None	Not working for 1 month	100%
Death	-	-	100% (to heirs)
Total permanent disability	None	Doctor’s certificate	100%
Leaving Indonesia permanently	None	Immigration documents	100%
Partial withdrawal (10%)	-	Min. 10 years membership, for housing preparation	Max. 10%
Partial withdrawal (30%)	56 years old	Still working	Max. 30%

Latest Rules: PP 37/2021

PP 37/2021, effective since February 2022, brought several changes:

What changed:

• 10% partial withdrawal now available after 10 years of membership
• Definition of “not working” clarified: minimum 1 month after resignation/layoff

What didn’t change:

• Can still be withdrawn upon resignation/layoff
• Tax remains PPh (Income Tax) Article 21 Final
• Retirement age remains 56 years old

JHT Withdrawal Requirements

1. Withdrawal Due to Resignation/Layoff

Requirements:

• Not working for at least 1 month
• No active employment relationship (not on extended leave)
• Have a bank account in your own name
• Have NIK (National ID Number) and BPJS Ketenagakerjaan card number

Required documents:

• Original KTP (ID card) + photocopy
• BPJS Ketenagakerjaan participant card (or membership number)
• Savings book or account number
• Employment termination letter from company (if available)
• Statement letter of unemployment (available at BPJS office or downloadable)

Important note: You don’t need to wait for the company to process it. You can handle it yourself through the JMO app or visit a BPJS office.

2. Withdrawal Due to Retirement Age (56 Years Old)

Requirements:

• At least 56 years old
• No longer working
• Same documents as resignation/layoff

If still working at age 56:

• Withdraw 30% of JHT balance
• Remainder withdrawn when you stop working

3. Partial Withdrawal (10%)

Requirements:

• Minimum 10 years of membership
• Still actively working (no need to resign)
• Purpose: housing preparation (per PP 37/2021)
• Can only be taken once in a lifetime

Maximum amount: 10% of total JHT balance.

Consider carefully: This will reduce your retirement balance later. Think carefully before taking this option.

Withdrawal Procedures: Step-by-Step

There are two ways to withdraw JHT: through the JMO app (online) or visiting a BPJS office.

Method 1: Through JMO App (Jamsostek Mobile)

Steps:

1. Download the JMO app from Play Store (Android) or App Store (iOS)
2. Register an account using your BPJS Ketenagakerjaan card number or NIK
3. Login and go to the “Klaim” (Claims) menu
4. Select claim type: “JHT - Pemutusan Hubungan Kerja” (JHT - Employment Termination) for resignation/layoff or “JHT - Pensiun” (JHT - Retirement) for age 56
5. Upload documents: Photo of KTP, photo of savings book, employment termination letter (if available), selfie for verification
6. Submit and wait for verification

Estimated time:

• Document verification: 1-3 business days
• Transfer to account: 3-5 business days after approval
• Total: approximately 5-7 business days

Method 2: Visit BPJS Ketenagakerjaan Office

Steps:

1. Check balance first on the JMO app or BPJS website
2. Prepare documents (original KTP, savings book, employment termination letter)
3. Visit the nearest BPJS office — check addresses at BPJS office locations page
4. Take a queue number for JHT service
5. Fill out the JHT claim form (staff will assist)
6. Submit documents and wait for verification
7. Sign withdrawal documents
8. Wait for transfer to account (3-7 business days)

Tips:

• Come early (before 9 AM) to avoid long queues
• Bring original documents and photocopies
• Ask the staff for an estimated withdrawal time

How Much Tax Is Charged?

JHT is subject to PPh (Income Tax) Article 21 Final (not the regular progressive rate) based on PP 68/2009:

Withdrawal Amount	Tax Rate	Example
Up to IDR 50 million	0% (tax-free)	IDR 50 million → receive IDR 50 million
Above IDR 50 million	5%	IDR 100 million → tax IDR 2.5 million → receive IDR 97.5 million

Detailed calculation for IDR 100 million:

• First IDR 50 million: 0% = IDR 0
• Remaining IDR 50 million: 5% = IDR 2.5 million
• Total received: IDR 100 million - IDR 2.5 million = IDR 97.5 million

Tax is automatically deducted by BPJS before transfer to your account. You don’t need to file additional tax reports.

How to Check JHT Balance

1. JMO App Download JMO → Login → View balance on dashboard

2. BPJS Ketenagakerjaan Website Go to https://sso.bpjsketenagakerjaan.go.id → Login with NIK/card number → Check balance in “Informasi Saldo” (Balance Information) menu

3. SMS Gateway Type: SALDO (space) NIK/card number → Send to 2757

4. Visit BPJS Office Bring KTP and request a balance printout

Tip: Check your balance regularly (at least once a year) to ensure contributions from your company are paid correctly.

Should You Withdraw JHT When Resigning?

You can, but don’t rush.

By regulation, you can withdraw JHT after 1 month of resignation/layoff. But the more important question: should you withdraw it?

Considerations Before Withdrawing JHT

Situation	Recommendation	Reason
Resigned, already have new job	Don’t withdraw	Let the balance keep growing
Resigned, no job yet	Don’t withdraw yet	Use emergency fund for 3-6 months
Laid off, need business capital	Consider carefully	Make sure you have a clear business plan
Have high-interest consumer debt	Can consider	If interest >10%/year
Want to invest yourself	Don’t	JHT return ~6%/year is already competitive and safe

General principle: JHT is the last safety net for retirement. Don’t withdraw it unless it’s a real emergency.

Impact of Withdrawing Too Early

Case study:

Andi, 30 years old — resigned after 5 years of work, JHT balance IDR 40 million. Immediately withdrawn for business capital. Business failed within 2 years. Started working again at age 32, JHT balance back to zero.

Budi, 30 years old — same situation, but didn’t withdraw JHT. Let it sit. Started working again at age 32 with JHT balance still intact.

Balance simulation at age 56 (assuming IDR 8 million salary, 6%/year JHT return):

Scenario	Balance at Age 56	Difference
Andi (withdrew)	~IDR 380 million	-
Budi (didn’t withdraw)	~IDR 560 million	+IDR 180 million

Withdrawing IDR 40 million at age 30 = losing IDR 180 million at retirement age due to compound interest.

Is JHT Enough for Retirement?

Honest answer: no.

Assumptions:

• Working 30 years (age 26-56)
• Average salary IDR 8 million/month
• Total JHT contributions: IDR 164 million (principal)
• With 6%/year interest: final balance ~IDR 460 million

Is IDR 460 million enough for 20-30 years of retirement?

If you withdraw IDR 2 million/month: IDR 460 million ÷ IDR 2 million = 19 years. Depleted by age 75 — and this doesn’t account for inflation.

With 5%/year inflation, IDR 2 million in 2056 equals ~IDR 500,000 today. JHT alone is not enough.

Solution: Independent Investing

Besides JHT, you need:

• Emergency fund for 6 months of living expenses
• Regular investment in index funds/SBN (government bonds) — see Start with 5 Million
• DPLK (Dana Pensiun Lembaga Keuangan / Financial Institution Pension Fund) if your company offers it
• Property/passive business (optional)

Ideal simulation:

• JHT: ~IDR 460 million (from mandatory contributions)
• 30 years of independent investment (IDR 1 million/month in mutual funds, 10%/year return): ~IDR 2.2 billion
• Total: ~IDR 2.6 billion

With IDR 2.6 billion and a 4%/year withdrawal strategy, you can withdraw IDR 8.7 million/month for life without depletion.

FAQ: Frequently Asked Questions

Can JHT be withdrawn before age 56? Yes, it can be withdrawn upon resignation/layoff without age limit. But you shouldn’t, unless it’s an emergency.

How long does the JHT withdrawal process take? Through JMO app: 5-7 business days. Through BPJS office: 7-14 business days.

Do I have to go through my company? No. You can process it yourself through the JMO app or go directly to a BPJS office.

What if the company doesn’t pay JHT contributions? Report to BPJS Ketenagakerjaan or Kemnaker (Ministry of Manpower). The company can face administrative sanctions and fines.

Is JHT subject to zakat (Islamic alms)? Yes, if it meets the nisab (equivalent to 85 grams of gold) and has been held for 1 year (haul), it’s subject to 2.5% zakat.

Can I withdraw JHT for a house down payment? By regulation, yes (resign first for 1 month). But not recommended — use emergency funds and a dedicated down payment savings, not JHT.

Conclusion: When Should You Withdraw JHT?

Withdraw JHT if:

• You’re already 56 years old and no longer working
• It’s a real emergency (serious illness, no income at all, emergency fund depleted)
• You have very high-interest debt (>15%/year) and no other way

Don’t withdraw JHT if:

• Resigning but already have a new job
• Want to buy gadgets/vehicle/vacation
• “Investing” in an unclear business
• Still have sufficient emergency fund

Remember: JHT is the last safety net for old age. Once withdrawn, it’s hard to build back up. Let it sit until you’re truly retired.

For more mature retirement planning, read When to Liquidate Investments and Asset Allocation. Also use our Retirement Calculator to see your estimated JHT balance at retirement and how much gap you need to cover.

References

• PP 37 Tahun 2021 tentang Penyelenggaraan Program Jaminan Hari Tua — Government Regulation on JHT
• Program Jaminan Hari Tua - BPJS Ketenagakerjaan — Official information from BPJS Ketenagakerjaan
• PP 68 Tahun 2009 tentang Tarif PPh Pasal 21 — Legal basis for JHT tax

---

Disclaimer: This article is for educational purposes only, not personal investment or financial advice. Regulations may change at any time.

Related Articles

• JHT vs JP: Understanding the Difference
• DPLK Pension Fund
• Pension Savings Guide
• Pension Fund Targets by Age
• How to Check Legal Investment with OJK