🕊️ Financial Planning

The JP pension and JHT savings: how much you get

BPJS Ketenagakerjaan runs two retirement schemes: JP (a monthly pension from age 59, if you reach 15 years) and JHT (a savings pot). How the contributions, the 15-year rule and the payouts work.

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.

Financial independence: how to calculate your number

Financial independence means your investment returns cover your spending. How to use the 4% rule, how much your savings rate matters, and how to account for tax, inflation and the JP pension.

How income tax (PPh 21) and BPJS deductions work in Indonesia

The PTKP tax-free allowance, the five PPh 21 brackets from 5% to 35%, and the BPJS Ketenagakerjaan and BPJS Kesehatan deductions — an overview of what comes out of your pay and what you can claim.

FLPP, Tapera and buying a home in Indonesia

How the KPR mortgage works, what FLPP (the subsidised 5% loan for a first home) covers, what Tapera is, and the BPHTB duty and notary costs a buyer pays.

What happens if you lose your job in Indonesia

Indonesia now has JKP unemployment insurance through BPJS Ketenagakerjaan, plus pesangon severance under the Omnibus Law and your JHT savings. What each pays, and why an emergency fund still matters.