Mortgage & Loan Calculator
Simulate KPR (mortgage) and item installments with annuity or flat method. Includes DSR warning so you don't over-commit.
About this tool
Two calculators in one tool. KPR tab handles long-term mortgages: enter property price, DP percent, tenor in years, and annual rate; toggle between annuity (the standard bank method) and flat. Loan tab handles shorter installments like PayLater, electronics, or motorbikes: price, DP in IDR, tenor in months, annual rate, with flat as the default method. Optionally enter your monthly income and the calculator shows your DSR (Debt Service Ratio) — the share of income going to this installment. The card turns amber at 30-40% (high) and red above 40% (risky), based on standard OJK/BI prudent-borrowing thresholds. Works fully offline.
Details
- Category
- Finance & Business
- Version
- 1.0.0
- Size
- 12 KB
- Updated
- Jun 2026
Frequently Asked Questions
Annuity vs Flat — which one should I use?
Annuity (anuitas) is what banks use for KPR — your monthly payment stays the same but the interest portion decreases over time. Flat charges the same total interest spread evenly across all months, which sounds simple but typically costs you more. Marketplaces and PayLater products often use flat because the math looks friendlier upfront.
What is DSR and why 30%?
DSR (Debt Service Ratio) is the percentage of your monthly income going to debt payments. Bank Indonesia and OJK consider 30% the prudent ceiling for any single installment. Above 40% you're at meaningful risk if income drops or unexpected expenses hit.
Are bank fees and insurance included?
No — only principal and interest. Real KPR also has provisi (1% of loan), notaris fees, fire insurance, life insurance, and BPHTB tax. Add roughly 5-7% of the loan principal for upfront costs to get a realistic total.
Why is my real cicilan different from this estimate?
Banks use floating rates (the rate changes after a fixed period, usually 1-3 years), and they may add admin fees or insurance to your monthly payment. Use this as a planning estimate; ask the bank for an official simulation before signing anything.