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JHT Balance Estimate Calculator
Estimate a BPJS Employment JHT balance from wage, contribution period, and an assumed development return. Free.
Note
JHT contribution 5.7% (employee 2% + employer 3.7%). A rough estimate with constant wage; the real balance depends on wage history and BPJS's fund management. An estimate, not official tax/legal advice. Rules can change — consult a tax advisor or HR/labor-law professional.
JHT balance estimate
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Understanding JHT
JHT contribution 5.7%
The Old-Age contribution is 5.7% of wage: 2% from the employee and 3.7% from the employer. All of it becomes the worker's JHT balance.
Fund development
BPJS Employment develops the JHT fund so the balance grows from investment returns. Real returns vary yearly; the calculator uses an assumption you can change.
Rough estimate
This uses a constant wage across the contribution period. The real balance depends on wage-increase history, contribution gaps, and fund management.
FAQ
Frequently asked questions
How do I calculate a JHT balance?
Monthly JHT = 5.7% × wage. Accumulate contributions over the service period, then add the estimated development return (compound interest) from an assumed rate. The calculator does it automatically.
What percent is the JHT contribution?
A total of 5.7% of wage: 2% deducted from the employee's salary and 3.7% paid by the employer. Both go into the worker's JHT balance, withdrawable per BPJS rules.
Does the JHT balance earn interest?
Yes. BPJS Employment develops the JHT fund and distributes returns to member balances. The amount changes yearly; the calculator uses an assumption you can adjust.
When can JHT be withdrawn?
JHT can generally be fully withdrawn at retirement age, on stopping work (per applicable rules), total permanent disability, or death. Partial withdrawal rules also exist. Check the latest BPJS rules.
Is this estimate certain?
No. It's a rough estimate with a constant wage and a set return. The real balance depends on wage history, contribution consistency, and BPJS fund management. Check the official balance in the JMO/BPJS app.
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