Free Indonesia (IDX) Financial & Stock Tools
Professional-grade calculators for the Indonesian stock market, digital fintech payments, and statutory labor codes. Calculate stock profits, PPh 21 progressive taxes, KPR mortgage installments, and Shariah Nisab zakat.
IDX Stock Trading & Execution
Calculate BEI stock profits, commissions, VAT (PPN), and margin bounds.
IDX Stock Profit & Loss Calculator
Calculate net profits from IDX trades including broker fees, 11% PPN on fees, and 0.1% PPh Final sales tax.
IDX Stock Breakeven Calculator
Find the exact target selling price required to cover all BEI buying/selling transaction fees and PPh taxes.
IDX Futures Margin & Leverage Calculator
Estimate leverage, maintenance margins, and liquidation prices for IDX futures contracts.
IDX Stock Average Down Cost Tracker
Calculate weighted average cost basis when scaling into a Bursa Efek Indonesia stock position.
Indonesia Brokerage Fee Comparator
Compare Indonesian brokerage commission tiers with 11% PPN to evaluate cost drag on your capital.
IDX Net Dividend Yield Calculator
Calculate gross and net IDX dividend yields factoring in the statutory 10% dividend withholding tax.
Fintech & Digital Finance
Track QRIS MDR fees, P2P lending yields, BNPL interest costs, and e-wallet promos.
Indonesia P2P Lending Net Yield
Calculate P2P lending net return after 15% PPh 23 withholding tax for NPWP holders or 30% without NPWP.
QRIS Merchant MDR Fee Calculator
Calculate QRIS Merchant Discount Rate (MDR) cost impact on your monthly transaction revenues.
Indonesia E-Wallet Cashback & Promo Calculator
Estimate effective savings from e-wallet cashback, promo caps, and discount stacking.
Indonesia PayLater (BNPL) Interest Cost
Calculate total repayment and effective annual interest rate on BNPL installment plans.
Indonesia Crypto Tax Calculator
Estimate crypto transaction taxes under Indonesian PMK-68/2022: 0.1% PPh final and 0.11% PPN on each trade.
Indonesia Digital Gold Return Calculator
Track compounding returns on Pegadaian, Tokopedia, or Bukalapak gold investments in IDR.
Salaries, Tax & Social Security
Determine TER monthly PPh 21, employee BPJS splits, and statutory severance pay.
Indonesia PPh 21 TER Tax Estimator
Calculate monthly PPh 21 income tax using the latest Tarif Efektif Rata-Rata (TER) method.
Indonesia BPJS Contribution Calculator
Calculate employee and employer BPJS Kesehatan and Ketenagakerjaan (JHT/JP) deductions.
Indonesia THR Religious Allowance
Calculate Tunjangan Hari Raya (THR) religious holiday allowance based on years of service.
Indonesia Statutory Severance Pay (UUCK)
Calculate employee statutory severance pay (pesangon) under Indonesia Omnibus Law UUCK.
Indonesia Net Salary Take-Home Pay
Compute monthly take-home pay after PPh 21 TER, BPJS Kesehatan, JHT, and JP deductions.
Indonesia Corporate Income Tax (PPh Badan)
Estimate corporate income tax under 22% standard rate or 11% go-public discount rate.
Sharia Finance & Wealth
Calculate gold zakat, professional salary zakat, and retail Sukuk yields.
Indonesia Syariah Stock Screener
Screen IDX stocks against ISSI Shariah criteria: interest debt <45% of assets and non-halal revenue <10%.
Indonesia Zakat Emas & Perak Calculator
Calculate gold and silver zakat (2.5%) once your holdings exceed the 85g gold Nisab threshold.
Indonesia Zakat Profesi (Salary Zakat)
Calculate 2.5% professional income zakat on monthly salary above the annual Nisab equivalent.
Indonesia Zakat Saham (Stock Zakat)
Estimate 2.5% stock zakat dues on your IDX portfolio value after one full lunar Haul year.
Indonesia Retail Sukuk ORI/SR Yield
Estimate after-tax net coupon yield on Indonesia government retail Sukuk (SR, ORI) after 10% WHT.
Indonesia Hajj Savings Planner (BPIH)
Project how long it takes to save for Hajj BPIH costs with monthly Tabungan Haji contributions.
Loans & Asset Planning
KPR mortgage amortization, KKB car loans, and mutual fund compounding trackers.
Indonesia KPR Home Mortgage Calculator
Calculate KPR monthly installments with BI Rate-linked floating interest and amortization schedule.
Indonesia KKB Car Loan Calculator
Calculate monthly auto loan (Kredit Kendaraan Bermotor) installments and total interest payable.
Indonesia BI Rate Savings Impact
Simulate how Bank Indonesia benchmark rate changes affect deposit rates and investment returns.
Indonesia Inflation Purchasing Power Decay
Calculate the erosion of Indonesian Rupiah cash savings over time under domestic CPI inflation.
Indonesia SIP Mutual Fund (Reksa Dana)
Simulate compound growth for regular Reksa Dana systematic investment plans in IDR.
Indonesia FIRE Retirement Planner
Calculate your Financial Independence Retire Early (FIRE) number for Indonesia cost of living.
The Ultimate Guide to Indonesia Financial & Stock Markets
1. IDX Stock Commission & PPh Final Taxation
Trading stocks on the Indonesia Stock Exchange (IDX) involves low institutional fees, but brokerage houses charge commissions ranging between **0.15% to 0.20%** of principal for buying and **0.25% to 0.35%** for selling. Additionally, the Indonesian state levies a flat **0.1% PPh Final (Pajak Penghasilan)** on transaction value for selling shares. A **11% PPN (VAT)** is also applied strictly on the brokerage commission value itself.
Under standard Indonesian tax laws, individuals enjoy **0% withholding tax** on listed stock capital gains on IDX because of the pre-deducted 0.1% final sales tax, making equity trading highly competitive. Plan exact exits using ourIDX Stock Profit Calculator.
2. The Fintech Revolution & QRIS Fees
Indonesia's digital economy is driven by payment innovation. Bank Indonesia regulates the Merchant Discount Rate (MDR) for **QRIS payments** at **0.7%** for standard retail services, and **0%** for charities. PayLater services (BNPL) have also surged, carrying interest rates between **2% and 4% per month** flat, which compounding calculations can easily map.
P2P Lending platforms also yield high interest but carry a withholding tax under PPh 23 of **15% for Tax ID (NPWP) holders** or **30% without NPWP**. Assess MDR cost cuts and interest rates using theQRIS Merchant Calculator.
3. Statutory Employee Benefits & BPJS Splits
Under the Indonesian Ministry of Manpower, employers must manage social security (BPJS) contributions. **BPJS Kesehatan (Health)** is capped at a salary ceiling of Rp 12 million, requiring a **1% employee deduction** and **4% employer match**. **BPJS Ketenagakerjaan** covers JHT (2% employee, 3.7% employer) and Jaminan Pensiun (1% employee, 2% employer) capped at Rp 9.5 million.
Employers must also calculate PPh 21 personal income tax utilizing the latest **TER (Tarif Efektif Rata-Rata)** monthly tables. Track exact employee splits and take-home pay with ourBPJS Contribution Calculator.
4. Shariah Compliance & Nisab Zakat
For Islamic wealth planning in Indonesia, the Indonesia Shariah Stock Index (ISSI) enforces strict compliance: companies must keep interest-bearing debt below **45% of total assets** and non-halal revenue under **10% of total revenue**. **Zakat Saham & Zakat Emas** are paid at **2.5%** once assets hit the Nisab equivalent of **85 grams of gold** for a full lunar year.
Investors looking for fixed yields can tap sovereign retail Sukuk (SR, ORI), which carry a reduced withholding tax of **10%** on interest coupons. Audit your portfolios and calculate dues with ourSyariah Stock Screener.
All TradeCalculate tools are built using real-time formulas used by institutional trading desks. No registration required. 100% free forever.
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