PPh 21 (TER) and net salary calculator
Work out monthly Indonesian income tax (PPh 21) withholding with the PP 58/2023 average effective rates (TER), employee BPJS deductions, net pay and the December adjustment.
Reviewed
CLEAR STEPS. OFFICIAL SOURCES.
Everyday life.
A little clearer.
From family documents to everyday money. Understand what to prepare, then continue through the official service.
Start with: KTP & KKBPJSTravelLiving here as a foreignerAsk Panduan Warga (AI)Choose a situation
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WHAT PEOPLE ARE CHECKING NOW
Useful right now.
Halal certification for small businesses: due 17 October 2026KIP Kuliah: register by 31 October 2026Ride-hailing rules 2026: 8% fee capNew labour protection law 2026Vehicle tax amnesties 2026 by provincePublic holidays 2026–2027Minimum wage 2026 by provincePPh 21 net salary calculatorBali tourist levyIndonesian visas for foreignersLiving in Indonesia as a foreigner
FIND YOUR STARTING POINT
What are you
sorting out today?
0102030405060708091011
Identity & family
ID cards, birth records, marriage, divorce and inheritance.
Health & protection
JKN healthcare, BPJS, BPJS for foreigners and employment protection.
Passports & travel
Passports, visas, KITAS and KITAP, arrival declarations, the Bali tourist levy, Customs, IMEI and travelling with pets.
Social assistance
Assistance checks, household data and public-service complaints.
Everyday money
Coretax, accounts, deposit protection, credit and complaints.
Vehicles & licences
Licences, driving as a foreigner, ownership transfers, tax, finance and insurance.
Business & work
Business registration, minimum wages, THR, severance, public holidays and collective leave, JKP job-loss support and MagangHub internships.
Housing & land
FLPP home loans, moving costs and ATR/BPN land services.
Education & children
SPMB school enrolment, school PIP, KIP Kuliah, bullying, children’s online safety and AI for study.
Emergencies & environment
Preparing for floods, landslides, earthquakes and volcanoes, help after a disaster, haze and rainy-season illness.
Ride-hailing & couriers
The Perpres 27/2026 rules, becoming a driver or courier partner, BPJS, tax, accidents and complaint routes.
WORK IT OUT
Calculators for tax,
BPJS and job rights.
BPJS health and employment contributions calculator
Work out employee and employer BPJS Kesehatan and BPJS Ketenagakerjaan (JHT, JP, JKK, JKM) contributions in Indonesia, including the Rp12 million and Rp11,086,300 wage caps.
Reviewed
THR religious holiday allowance calculator
Work out Indonesian THR (religious holiday allowance) under Permenaker 6/2016 and the 2026 circular: one month's wage after 12 months, pro rata for 1–11 months.
Reviewed
Indonesian severance pay calculator
Work out Indonesian severance (pesangon), long-service pay (UPMK), entitlement compensation (UPH) and final tax under PP 35/2021 and PP 68/2009 for 23 termination reasons.
Reviewed
Customs duty and tax calculator for goods brought from abroad
Work out Indonesia's 10% import duty and VAT on passengers' personal goods above the FOB USD500 allowance under PMK 34/2025, including phones that need IMEI registration.
Reviewed
Late vehicle tax penalty calculator
Work out Indonesian late vehicle-tax (PKB) interest of 1% a month (up to 24 months), the 66% opsen and SWDKLLJ late fines for motorbikes and cars under PP 35/2023 and PMK 16/2017.
Reviewed
CLEAR MONEY GUIDES
Accounts, borrowing
and protection.
Register for an Indonesian tax ID and file an annual return in Coretax
Use the official Coretax DJP route to register an individual NPWP, activate NIK, and file an Indonesian annual personal income tax return.
Reviewed · 10 min read
Open a bank account in Indonesia
Compare account-opening routes at BCA, BRI, Mandiri and BNI, including ID checks, deposits and product charges.
Reviewed · 10 min read
How Indonesia’s LPS bank deposit protection works
Understand Indonesia’s LPS limit per depositor per bank, the 3T eligibility tests and why the current insured-interest ceiling matters.
Reviewed · 2 min read
Apply for bank loans and credit cards in Indonesia
Understand bank-loan and credit-card applications, OJK SLIK records, total borrowing cost and safe comparisons.
Reviewed · 2 min read
BEFORE ARRIVING IN INDONESIA
One arrival declaration.
Understand All Indonesia.
For air and sea arrivals from abroad, check when to complete the form, what to prepare and how to keep the QR code.
Read the All Indonesia guide ↗Ready
before
you travel.Open the official portal ↗
before
you travel.Open the official portal ↗
FROM QUESTION TO NEXT STEP
Guides to get started.
Indonesian visa types for foreign nationals
Compare Indonesian visit, work, study, family and investor visas by purpose and check current official fees.
Reviewed · 9 min read
KITAS and KITAP stay permits: extensions, conversion, fees and overstay
ITAS/KITAS and ITAP/KITAP explained: e-ITAS from an e-Visa, sponsors, extensions, conversion to ITAP, ERP and EPO, address reports and overstay fines.
Reviewed · 10 min read
All Indonesia arrival card: declaration, QR code and costs
Prepare your All Indonesia arrival declaration, understand land-border customs, and check IMEI and quarantine requirements using official sources.
Reviewed · 4 min read
Open a bank account in Indonesia
Compare account-opening routes at BCA, BRI, Mandiri and BNI, including ID checks, deposits and product charges.
Reviewed · 10 min read
Overseas electronics tax and IMEI registration
Understand the USD500 personal-baggage allowance, 10% duty, VAT mechanism, free IMEI registration and arrival deadlines.
Reviewed · 2 min read
Indonesian–foreign marriage guide
Prepare a mixed-nationality marriage, foreign documents, registration, spouse visa E31A and passport implications.
Reviewed · 10 min read
EVERYDAY MONEY
Small decisions.
Useful preparation.
Build a household budget, check financial providers and know where to report a problem.
Make a household budget that fits your income Check an online lender through OJK FIND Report financial transaction fraud to IASC OJK Check your JHT balance in JMO and choose a claim route Open a bank account in Indonesia Apply for bank loans and credit cards in Indonesia Register for an Indonesian tax ID and file an annual return in Coretax How Indonesia’s LPS bank deposit protection works Check your Indonesian OJK iDeb SLIK credit record free Complain about an Indonesian bank, lender or insurer to OJK How to spot online scams in Indonesia: common patterns and what to do in the first hour Online gambling in Indonesia: the law, blocking it, reporting it and getting help Investment scams in Indonesia: warning signs, checking legality and reporting Personal data leaked or misused in Indonesia: what to do if someone uses your NIK or KTP photo
RECENTLY REVIEWED
Latest updates.
- Accidents and safety for ride-hailing drivers: emergency steps, compensation and claimsRide-hailing & couriers ·
- After a disaster in Indonesia: replacing your KTP-el, family card and certificates, and getting helpEmergencies & environment ·
- AI for pupils and parents in Indonesia: using it honestly and safelyEducation & children ·
- Air quality and haze in Indonesia: what ISPU means, masks and protecting your familyEmergencies & environment ·
- Apply for Indonesia’s KIP Kuliah higher-education support in 2026Education & children ·
- Becoming a ride-hailing or courier driver: general requirements, documents and fake recruitmentRide-hailing & couriers ·
KNOW WHERE THE INFORMATION COMES FROM
Clear sources.
Clear limits.
Each guide identifies its references and review date. Eligibility depends on the service: an English guide does not change citizenship, residency or other requirements.
Read our editorial policy ↗Is this a government website?
No. Panduan Warga is an independent UK-based publication. We do not issue documents, receive official applications or request your NIK.
Are the guides free?
Yes. Read without an account. Official service charges, where applicable, follow the responsible agency’s rules.
What if the information changes?
Check the date and official references. See corrections and updates.