Savings & Investment Calculator

Compound interest is earned on your capital plus the interest already accumulated. For a lump sum: FV = P × (1 + i)^n, where i is the monthly rate (annual ÷ 12 ÷ 100) and n the number of months. For regular deposits the annuity formula applies: PMT × ((1 + i)^n − 1) ÷ i. This calculator sums both and charts the result year by year.

There's no single right answer, and we deliberately leave the field blank — a default in a calculator reads as a promise. As rough illustration and not a recommendation: ordinary savings are very low and often lose to inflation, time deposits sit in the middle at low risk, and equity funds have historically returned more over long periods but can fall in any given year. Take your figure from the prospectus of the product you actually chose, then test a lower one too.

With compounding, time almost always wins. Someone saving Rp500,000 a month for 20 years typically ends far ahead of someone saving Rp1,000,000 a month for 8 years, despite similar total deposits — the first pot had longer to compound. Try it here: change the horizon and watch the gold area grow much faster than the blue one.

No. This assumes a fixed annual return, while real investments fluctuate — an equity fund can rise 20% then fall 15%. It also excludes inflation, interest tax, management fees, and purchase costs, all of which reduce your real outcome. Treat these figures as a planning indication, not a guaranteed target.

No — both are deliberately excluded to keep the formula simple and transparent. The figures are nominal, not purchasing power. At a 6% return with 4% inflation, your real growth is only about 2%. Interest on deposits and savings is also subject to final tax that doesn't appear here. For a more conservative plan, enter your return minus expected inflation.