Independent guidance for life in Indonesia. Not a government website.
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Everyday money

Make a household budget that fits your income

Plan household spending from actual income, essential costs, bills and savings goals, without imposing the same spending percentages on every family.

Reviewed · 2 min read
Everyday money

Check an online lender through OJK FIND

Check an online lender’s legal entity and official channels in OJK FIND, then separately assess authenticity, loan terms and affordability.

Reviewed · 3 min read
Everyday money

Report financial transaction fraud to IASC OJK

Act after a fraudulent transfer: contact the bank, report to IASC, preserve evidence and file a police report. Reporting does not guarantee recovery.

Reviewed · 3 min read
Identity & family

Register a child’s birth with Dukcapil

Prepare a child’s birth-certificate application, identify the correct local Dukcapil service and handle missing documents before checking the certificate and KK.

Reviewed · 5 min read
Passports & travel

Indonesia Golden and remote-worker visas

Compare Indonesia’s investor Golden Visa with E33G remote-work permission, including commitments and official fees.

Reviewed · 7 min read
Everyday money

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
Health & protection

Indonesian social insurance explained

Plain-language guide to Indonesian health and employment social insurance, benefits, contributions and enrolment.

Reviewed · 3 min read
Business & work

Apply for MagangHub internships

Apply for MagangHub batch 3 in 2026: participant registration 26 October–1 November, graduate and document requirements, the UMK-equivalent allowance under Ministerial Decision 252/2026, and avoiding fake offers.

Reviewed · 2 min read
Identity & family

Marriage and divorce in Indonesia

Understand marriage registration, age, KUA fees, court divorce, divorce certificates, joint property and child support.

Reviewed · 2 min read
Identity & family

Indonesian–foreign marriage guide

Prepare a mixed-nationality marriage, foreign documents, registration, spouse visa E31A and passport implications.

Reviewed · 10 min read
Vehicles & licences

Transfer used-vehicle ownership in Indonesia

Transfer a used vehicle at Samsat: documents, physical inspection, the end of BBNKB on used vehicles since 2025, police fees for the STNK, plates and BPKB, and an ETLE fine check.

Reviewed · 3 min read
Calculator

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
Calculator

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
Calculator

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
Calculator

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
Calculator

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
Calculator

Ride-hailing app fee checker

Compare the gap between a trip fare and your earnings with the 8% cap on app fees for passenger rides. The result is something to check, not a verdict.

Reviewed
Calculator

Ride-hailing and courier net income calculator

Work out a ride-hailing driver's or courier's net income per month, day and hour: gross earnings minus app fees, fuel, upkeep, data and contributions.

Reviewed
Calculator

Household budget planner

Plan a monthly household budget: enter income, spending by category and savings to see what is left and each category’s share. Nothing you enter is sent anywhere.

Reviewed
Calculator

Scam message red-flag checker

Paste a message or tick what you saw to find common scam red flags, such as an APK file, a request for an OTP, or a transfer to a personal account.

Reviewed
Calculator

Air quality (ISPU) action card

Enter an ISPU reading and choose a group to see the air-quality category and the official advice for everyone or for sensitive groups. No live data.

Reviewed
Calculator

Disaster go-bag checklist

Tick off your disaster go-bag: waterproof bag, documents, water and food, first aid, torch, phone, clothes and emergency numbers. Ticks stay only in your browser.

Reviewed
Calculator

Social assistance pre-check

Answer a few questions to see which social assistance programmes you may want to check, and the official way to do it. Recipients are still chosen from DTSEN data.

Reviewed