Home Loan Repayment Calculator — Indonesia
Work out your repayments, what the loan costs in total, and how much an extra repayment saves you. Figures below assume 9% over 30 years. Free, and no sign-up.
Common Indonesia loan amounts
| Loan amount | Monthly repayment | Total interest |
|---|---|---|
| Rp 500.000.000 | Rp 4.023.113 | Rp 948.320.711 |
| Rp 750.000.000 | Rp 6.034.670 | Rp 1.422.481.066 |
| Rp 1.000.000.000 | Rp 8.046.226 | Rp 1.896.641.421 |
| Rp 1.500.000.000 | Rp 12.069.339 | Rp 2.844.962.132 |
| Rp 2.000.000.000 | Rp 16.092.452 | Rp 3.793.282.842 |
| Rp 3.000.000.000 | Rp 24.138.679 | Rp 5.689.924.263 |
Frequently asked questions
How are Indonesia home loan repayments calculated?
Repayments use the standard amortisation formula: the balance accrues interest at the periodic rate, and a level repayment covers that interest plus a slice of principal. Early payments are mostly interest; later ones are mostly principal.
Does paying extra actually help?
Yes, substantially. Extra repayments come straight off the principal, so they reduce every future interest charge. On a long loan even a small regular amount can cut years off the term.
Is this calculator free?
Yes. It is free, requires no account, and nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
Work out your own numbers
- Rp 500.000.000 loan
- Rp 750.000.000 loan
- Rp 1.000.000.000 loan
- Rp 1.500.000.000 loan
- Rp 2.000.000.000 loan
- Rp 3.000.000.000 loan
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- Interest-Only Loan Calculator — Indonesia
- Compound Interest Calculator — Indonesia
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Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.