Understand Your MoneySimply and for Free
One place to learn how to save and invest in Indonesia and work out what matters to you — your BPJS pension, your KPR, your savings — without signing up, without paying anything and without jargon. All in rupiah (IDR).
IDR
Official Currency
8
Calculators for Indonesia
Rp 2bn
LPS Deposit Cover
Rp 0
Always Free
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Follow the S&P 500, Bitcoin and Ethereum in real time, updated every five minutes. Includes the US dollar / rupiah exchange rate, handy if you hold US-dollar savings or funds.
Learn the Basics
Short, plain-English guides to saving, banks and financial planning in Indonesia — to get started without knowing anything about money.
What is a savings account and how much does it pay?
A savings account keeps your money safe and pays interest that changes over time. How the interest, the 20% final tax and the Indonesia Deposit Insurance Corporation work — and when a savings account is enough.
Read the article →Emergency fund: how much do you need?
An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. Indonesia has no unemployment benefit, so it matters even more. How to work out your figure and build it.
Read the article →What is compound interest and how does it work?
Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.
Read the article →Free Financial Calculators
Free tools in rupiah (IDR), with results straight away. No sign-up, no cost.
Compound Interest Calculator
Work out how your savings or investments grow year by year, in rupiah.
Calculate →How Long to Save Rp 100M?
Work out how long it takes to reach any savings goal in rupiah.
Calculate →Emergency Fund Calculator
Work out how much to set aside for unexpected costs based on your monthly spending.
Calculate →Financial Independence Calculator
How much capital do you need to live off your returns? Find your path to financial freedom.
Calculate →How Many Work Hours Does It Cost?
Turn the price of any product into hours of your work, based on your pay.
Calculate →Retirement Calculator
Project your DPLK and personal retirement saving that sits on top of the JP pension and JHT.
Calculate →KPR Mortgage Calculator
Monthly payment plus the upfront cost of buying — down payment, BPHTB, notary fees.
Calculate →JP Pension Calculator
Estimate your BPJS Ketenagakerjaan JP contribution, the 15-year rule and the JHT pot by age 59.
Calculate →Frequently Asked Questions
Everything you need to know about our guides and calculators.
- What is Save Money To Invest and what does it offer for Indonesia?
- Save Money To Invest is a free platform of financial data and calculators. The Indonesia section brings together personal finance guides (savings accounts, the JP pension and JHT, LPS deposit insurance, SLIK, credit cards, KPR) and financial calculators in rupiah (IDR). No sign-up or account is needed.
- Why are the calculators in rupiah?
- Because the rupiah is the currency here. All calculators and articles use Indonesian rupiah directly, with no currency conversion.
- Does Indonesia have a state pension?
- Yes — through BPJS Ketenagakerjaan. JP (Jaminan Pensiun) is a small monthly pension from age 59 if you reach 15 years of contributions; JHT (Jaminan Hari Tua) is a savings pot paid as a lump sum. Both are modest, so most retirement income still comes from a DPLK pension fund and other saving. See the JP pension calculator and the pension article.
- Is Save Money To Invest free in Indonesia?
- Yes. All content — guides and calculators — is free and requires no sign-up. The site is funded by advertising.
- Can I see the full site in US English?
- Yes. Save Money To Invest also offers data from more than 10 global exchanges (NYSE, NASDAQ, LSE, Euronext, among others) and 17 financial calculators focused on the United States market. Reach them via the "🇺🇸 English (US) site" link at the top of this page.