How to Report Investments on Coretax DJP

SPT season 2026 is here. And if you’re used to e-Filing or DJP Online, get ready to adapt — because everything has changed.

Coretax DJP is Indonesia’s new tax system that has permanently replaced e-Filing. This isn’t a parallel system or an alternative option. E-Filing is no longer available. Starting from tax year 2025, all individual taxpayers — including investors — must use Coretax.

This article is a practical guide to reporting your investments on Coretax. If you’re already familiar with how to file SPT on the old system, many concepts are the same — but the execution is different.

🆕 What Is Coretax DJP?

Coretax DJP (Core Tax Administration System) is a core tax administration system developed by the Directorate General of Taxes (DJP) with help from international consultants. This portal replaces:

• e-Filing (online SPT filing)
• e-SPT (desktop SPT application)
• DJP Online (old portal)

All these functions are now integrated in one platform at coretaxdjp.pajak.go.id.

Why Should Investors Care?

For passive investors, Coretax brings several important changes:

1. More detailed reporting — Each investment product must be reported with more complete information
2. Investment manager’s NPWP required — For mutual funds, you need to include the IM’s tax ID
3. Different asset codes — Codes for stocks, mutual funds, and bonds in Coretax differ from e-Filing
4. Stricter validation — The system will reject inconsistent data

📋 Before You Start: Documents to Prepare

Don’t open Coretax before these documents are complete. Trust me, this will save a lot of time and frustration.

For All Investors

Document	Source	Purpose
Portfolio statement as of December 31, 2025	Bibit, Bareksa, Ajaib, IPOT, etc.	Year-end asset value
PPh withholding certificate (if any)	Securities firm, bank	Final income (dividends, interest)
Form A1/A2	Your employer	Income from salary

For Mutual Fund Investors

Document	Details
Portfolio summary	NAV × number of units as of December 31
Investment manager’s NPWP	Available in the prospectus or fund fact sheet
Mutual fund product name	Exactly as shown in the app

Tip: Bareksa and Bibit provide a “Tax Report” feature that summarizes all this.

For Stock Investors

Document	Details
Portfolio summary	Stock value as of December 31
PPh dividend withholding certificate	10% PPh on dividends (Article 4 paragraph 2)
Realized capital gains (if any)	0.1% PPh already withheld by securities firm

For SBN Investors (ORI, SR, ST, SBR)

Document	Details
Ownership confirmation	From custodian bank or DJPPR email
Coupon information	Total coupons received during 2025

Retail SBN (government bonds) coupons already have Final PPh withheld at source — you only need to report them as final income.

For Digital Gold Investors

Document	Details
Ownership summary	Grams × price as of December 31

🔐 How to Access Coretax DJP

Step 1: Visit the Portal

Go to coretaxdjp.pajak.go.id (not djponline.pajak.go.id — that’s no longer active).

Step 2: Login

Use the same NIK (national ID)/NPWP and password as your old DJP Online account. If you don’t have an account or forgot your password, follow the reset process available.

Note: During peak periods, the system may be slow due to high traffic. Avoid the deadline period (end of March).

Step 3: Select SPT Menu

After login, navigate to the “Annual SPT” or “SPT Filing” menu. Select tax year 2025.

Step 4: Choose the Form

The right form depends on your profile:

Form	Criteria
1770SS	Gross income ≤ Rp 60 million/year, single employer
1770S	Gross income > Rp 60 million/year, employee
1770	Have business/freelance work

Most investors who work as employees use 1770S.

📊 How to Report Each Type of Investment

Mutual Funds

Mutual funds are reported in two places:

1. As Assets

Navigate to the Asset List section and add a new entry:

Field	Fill In
Asset Type	Select code for “Other Investments” or “Mutual Fund Units”
Asset Name	Mutual fund product name (e.g., “Sucorinvest Money Market Fund”)
Year Acquired	Year you first purchased
Value	NAV × number of units as of December 31
Other Party’s NPWP	Investment manager’s NPWP

Important note: In Coretax, each mutual fund product is reported separately with each IM’s NPWP. This differs from the old e-Filing where you could combine them.

2. As Income

Mutual fund gains (capital gains from redemption) are not taxable in Indonesia. You don’t need to report them as income. Just report as assets.

This differs from stock dividends or deposit interest which are final income.

Stocks

1. As Assets

Field	Fill In
Asset Type	Select code for “Stocks”
Asset Name	Issuer name/code (e.g., “PT Bank Central Asia Tbk (BBCA)“)
Year Acquired	Year you first purchased
Value	Price × number of shares as of December 31

Tip: If you have many stocks, you can combine them in one “Stock Portfolio” entry with total value. But be consistent every year.

2. As Final Income

• Dividends: Reported in the final PPh income section (Article 4 paragraph 2). 10% rate already withheld by securities firm.
• Capital gains: 0.1% PPh already withheld at transaction. No need to report again as it’s final per transaction.

Retail Government Bonds (ORI, SR, ST, SBR)

1. As Assets

Field	Fill In
Asset Type	Select code for “Government Securities” or “Government Bonds”
Asset Name	Series name (e.g., “ORI025” or “SR024”)
Year Acquired	Year purchased
Value	Nominal value

2. As Final Income

SBN coupons already have Final PPh withheld at source. Report total coupons received during 2025 in the final income section. Final PPh rate for SBN coupons is 10%.

Digital Gold

Field	Fill In
Asset Type	Select code for “Gold” or “Precious Metals”
Asset Name	”Digital Gold” or platform (e.g., “Gold at Tokopedia”)
Year Acquired	Year you first purchased
Value	Grams × price per gram as of December 31

Gains from gold sales are not subject to PPh (because it’s not a luxury item and not business activity for retail investors).

Deposits

Though not the focus of passive investors, if you have deposits:

1. As Assets

Field	Fill In
Asset Type	Select code for “Deposits”
Asset Name	Bank name and deposit type
Year Acquired	Year of placement
Value	Principal deposit as of December 31

2. As Final Income

Deposit interest already has 20% Final PPh withheld by the bank. Report total interest received in the final income section.

⚠️ Common Mistakes and How to Avoid Them

1. Forgetting to Include Investment Manager’s NPWP

Coretax validates third-party NPWPs for certain asset types. Make sure the IM’s NPWP is available before filling.

Solution: Check the prospectus or fund fact sheet of your mutual fund product. The IM’s NPWP is usually in the investment manager information section.

2. Wrong Asset Code

Asset codes in Coretax differ from e-Filing. Don’t copy-paste from last year’s SPT.

Solution: Use the dropdown provided by the system. Search with keywords like “mutual fund”, “stocks”, or “bonds”.

3. Inconsistent Asset Values Between Years

If last year you reported stock portfolio of Rp 10 million and this year Rp 15 million, the system may ask for explanation of the addition source.

Solution: Prepare documentation of fund flow (from salary, bonus, etc.) if requested.

4. Mixing Assets and Income

Portfolio value is assets (what you own). Dividends and coupons are income (money you received).

Solution: Assets in “Asset List” section. Income in “Final Income” or “Net Income” section.

5. Not Reporting Small Assets

“Ah, digital gold is only Rp 500 thousand, no need to report.”

This is wrong. All assets must be reported without minimum threshold.

📅 Annual Checklist for Investors

Use this checklist every year before the March 31 deadline:

End of December (Before Tax Year Ends)

• Screenshot portfolios from all platforms (Bibit, Bareksa, IPOT, etc.)
• Record NAV and mutual fund unit counts as of December 31
• Record stock prices and share counts as of December 31
• Download/save SBN ownership certificates

January - February

• Receive withholding certificates from securities firms and banks
• Receive A1/A2 form from employer
• Collect investment manager NPWPs for all mutual funds

March (Before Deadline)

• Login to Coretax and start SPT filing
• Input all investment assets
• Input all final income
• Review and submit SPT
• Save electronic receipt (BPE)

🔗 Related Tax Articles

This article focuses on technical reporting on Coretax. For deeper understanding of investment taxes:

• Complete Investment Tax Guide — Rates and tax types for each instrument
• Filing Annual Tax Returns — Basic SPT filing concepts (still relevant despite different UI)
• Final PPh on Stocks — Stock transaction tax details
• Mutual Fund Taxes — Why mutual funds are exempt from capital gains PPh

💡 Final Tips

Don’t wait for the deadline. Coretax is a new system. High traffic near March 31 can make the system slow or unresponsive. Better to file in February or early March.

Save all documentation. BPE (Electronic Receipt) is proof that your SPT was received. Keep it for at least 5 years.

Consult if unsure. For complex cases (inherited investments, joint accounts, foreign investments), consider consulting a tax consultant. One-time consultation cost is much cheaper than penalties or SPT corrections.

SPT season isn’t fun, but as a tax-compliant investor, this is an annual obligation. With good preparation, the process doesn’t have to be complicated.

Happy filing! 📄