KPR calculator
The rate your bank quotes lasts a few years. Nobody knows the rest.
Work out your KPR instalment for both parts separately — the one the bank locks, and the one that comes after it.
Free, no account, no bank advertising. A personal project, not financial advice. What you type is computed in your own browser and sent nowhere.
Four questions, in order
Where do these numbers come from? → SourcesThe order a buyer usually works through. Start anywhere — every page also stands on its own.
- 1 / 4
Work out the instalment
What is my instalment, before and after the fixed period?
- 2 / 4
Test your limit
How high can the rate go before the instalment passes my limit?
- 3 / 4
Choose a path
Subsidised FLPP or commercial — what differs for me?
- 4 / 4
Prepare the upfront costs
What do I need to have ready before signing?
One rate for the whole term is always wrong
Other KPR calculators apply one rate across the whole term. For a commercial KPR that is always wrong: the bank locks a rate for two or three years, then the loan floats. This tool computes the two parts separately, and says plainly which part nobody knows.
An illustration — invented, not data
A family budgets around an instalment of Rp3,2 juta a month, the figure the bank quoted. In year four, once the fixed period ends, that instalment can become Rp4,8 juta. Nothing changed about the house, and nothing was wrong with the bank’s arithmetic — the floating rate is simply not announced in advance.
This tool never guesses that figure for you. You supply the assumption, and everything resting on it is amber, like this box.
How to use it
Three steps. All you need is an offer from a bank — or a rough guess, if you do not have one yet.
- 1
Enter what the bank quoted
House price, down payment, term, the fixed rate and how long it is locked.
- 2
Guess the rate after that
This is your assumption, and the app marks it amber. Try several; that is rather the point.
- 3
See where your limit breaks
One figure: the rate at which the instalment crosses the share of income you set.
Words you will meet
Used exactly as banks use them, so they match the letter you were given.
- Plafon
- The amount the bank lends you: the house price minus your down payment.
- Angsuran
- What you pay each month. Part interest, part repayment of the loan itself.
- Tenor
- How long the loan runs. A KPR is commonly 10 to 20 years.
- Bunga tetap
- The rate the bank locks, usually for the first two or three years only.
- Bunga mengambang
- The rate once the fixed period ends. Banks do not publish it in advance.
- Bunga flat vs efektif
- Flat charges interest on the original amount throughout; effective charges it on what you still owe. The same number means a very different cost.
What this tool does not do
- It recommends no bank, no product, and no moment to buy. No rankings, no affiliate links.
- It never guesses a rate. Not one interest rate on this site is pre-filled by the app.
- It does not model approval. SLIK and a bank’s underwriting cannot be reproduced here.
- It stores nothing. No account, no server, no tracking of the figures you type.
The rate after the fixed period
Banks do not publish the rate that applies once the fixed period ends. They publish a base lending rate (SBDK), but the margin added on top is internal and unpublished. The figures below are your assumption, not data.