JP Pension Calculator
See when you can claim the Jaminan Pensiun (JP) pension from BPJS Ketenagakerjaan, whether you will reach the 15-year rule, and roughly how much the monthly pension and the separate JHT pot would be — in rupiah. Free, no sign-up.
Your Details
JP contributions stop at the wage ceiling (about Rp 10.547.400 a month, adjusted every year). JHT has no ceiling.
Check your JHT balance in the JMO app. Leave at 0 if you are just starting out.
BPJS Ketenagakerjaan credits JHT with an annual return, usually a little above a bank deposit; it is not guaranteed.
Your Estimate
Estimated JP Pension
Rp 2.320.000/mo
plus a JHT pot of about Rp 376.460.375
💬 In Plain Words
At 35 you are 24 years from the JP retirement age of 59. By then you would have about 29 years of contributions. That passes the 15-year rule, so JP would pay a monthly pension of about Rp 2.320.000 (1% per year of your capped wage, held between the annual minimum and maximum). Separately, your JHT savings — 5.7% of your full wage plus return — could reach about Rp 376.460.375 as a lump sum.
Monthly Contribution (JP)
Estimate for educational purposes, not an official projection from BPJS Ketenagakerjaan. The wage ceiling, the minimum and maximum pension and the retirement age are all adjusted over time; this uses indicative recent figures and assumes your wage and the return stay constant. The JP formula also uses an inflation-indexed average wage, which is simplified here. Check your record in the JMO app.
How JP and JHT Work
👋 Simple Explanation
BPJS Ketenagakerjaan runs two retirement schemes. JP (Jaminan Pensiun) is a pension: 3% of your wage (1% from you, 2% from your employer) up to a ceiling, paying a monthly pension from age 59 if you have at least 15 years of contributions — otherwise a lump sum. JHT (Jaminan Hari Tua) is a savings pot: 5.7% of your full wage (2% you, 3.7% employer, no ceiling), plus the return BPJS credits, paid out as a lump sum at 56, at retirement, or on leaving work.
Both are compulsory for formal employees. JP is deliberately modest — a floor, not a full income. JHT can be a meaningful sum over a career but is usually spent down rather than turned into a lifelong income.
Why You Need Savings on Top
For most people JP plus JHT will not replace their working income. The layers on top are an employer pension fund (DPPK) or a financial-institution pension fund (DPLK) — often with an employer match and a tax deduction — plus mutual funds (reksa dana), shares on the IDX, gold and property. Use our retirement calculator to project how a monthly contribution grows by age 59, and check your BPJS record in the JMO app so your employer is actually remitting.
Frequently Asked Questions
- What is the JP pension age in Indonesia?
- 59 for 2025 to 2027. The retirement age under Jaminan Pensiun rises by one year every three years until it reaches 65 (around 2043). You claim the pension when you reach the retirement age and have stopped working, and JP is not means-tested.
- How many years do I need for a monthly JP pension?
- At least 15 years (180 months) of contributions. With less than that you receive a one-off lump sum of your accumulated JP contributions plus the investment return, not a monthly pension.
- How is the JP pension amount worked out?
- Broadly, 1% for each year of contributions multiplied by your annualised average wage (adjusted for inflation), then divided into a monthly figure. The result is capped between an annual minimum and maximum set by the government. JP is a modest base — the separate JHT old-age savings pot, plus a workplace or personal pension fund, sit on top.