BPJS Ketenagakerjaan and Kesehatan contributions 2026: worker and employer shares
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.An Indonesian wage earner pays 4% of the monthly wage to BPJS: 2% JHT, 1% JP and 1% health. The employer adds 3.7% JHT, 2% JP, 0.24% to 1.74% JKK, 0.3% JKM and 4% health. On Rp10,000,000 the worker pays Rp400,000 and the employer Rp1,024,000.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
Type the monthly wage: basic wage plus fixed allowances.
Tap the work risk level for JKK, from very low to very high.
Type the provincial minimum wage if the wage is below it, and check the JP wage cap.
Read the worker’s deductions, the employer’s contributions and the cost of each programme.
This calculator works out the monthly BPJS contributions for a wage earner in Indonesia (Peserta Penerima Upah): what is deducted from the worker and what the employer pays on top, programme by programme. Type the wage and tap the risk level; every line appears at once.
BPJS Ketenagakerjaan. The rates are those BPJS Ketenagakerjaan lists for wage earners. Jaminan Hari Tua (JHT, old-age savings) is 5.7% of the wage: 3.7% from the employer and 2% from the worker. Jaminan Pensiun (JP) is 3%: 2% from the employer and 1% from the worker, on a wage of at most Rp10,547,400. Jaminan Kecelakaan Kerja (JKK, work accidents) is paid by the employer alone, from 0.24% for very low risk to 1.74% for very high risk, and Jaminan Kematian (JKM, death) is 0.3%, also from the employer.
BPJS Kesehatan. Under Perpres 64/2020 the health contribution is 5% of the wage, 4% from the employer and 1% from the worker, counted on at most Rp12,000,000. Perpres 59/2024 counts it on at least the provincial minimum wage, so a lower wage is raised to that floor for this line only.
Caps that change. The JP cap is raised every year; the calculator starts from the figure BPJS Ketenagakerjaan lists and lets you change it.
What it leaves out. Extra family members on the health scheme, workers outside wage employment (BPU), construction projects and Indonesians working abroad follow other rules. Jaminan Kehilangan Pekerjaan (JKP) has no separate contribution from the worker.
An example. On a wage of Rp20,000,000 at very high risk, the worker pays Rp625,474 (JP and health are capped) and the employer Rp1,838,948.
For the income tax on the same wage, use the Indonesia PPh 21 Calculator; for the religious-holiday bonus, the Indonesia THR Calculator.
A wage earner pays 2% of the monthly wage for JHT, 1% for JP and 1% for BPJS Kesehatan, 4% in all. JP counts wages up to Rp10,547,400 and health up to Rp12,000,000, so on a Rp10,000,000 wage the worker pays Rp400,000 a month.
The employer pays 3.7% of the wage for JHT, 2% for JP, 0.24% to 1.74% for JKK by work risk, 0.3% for JKM and 4% for BPJS Kesehatan. On a Rp10,000,000 wage at very low risk that comes to Rp1,024,000 a month on top of the wage.
Two programmes have a cap. JP is counted on a wage of at most Rp10,547,400, the figure BPJS Ketenagakerjaan lists and raises each year, and BPJS Kesehatan on at most Rp12,000,000 under Perpres 64/2020. JHT, JKK and JKM are counted on the whole wage.
JHT is old-age savings paid out on leaving work, JP is a monthly pension, JKK covers work accidents and JKM pays benefits on death. JHT and JP are shared by worker and employer; JKK and JKM are paid by the employer alone. All four are run by BPJS Ketenagakerjaan.
When the wage is below the provincial minimum wage, Perpres 59/2024 counts the health contribution on the minimum wage instead. A Rp3,000,000 wage in a province with a Rp5,000,000 minimum wage pays Rp50,000 from the worker and Rp200,000 from the employer for health.
BPJS contributions are counted on the monthly wage reported for the worker, which BPJS Ketenagakerjaan calls upah sebulan: the basic wage plus fixed allowances. The caps then apply to JP and BPJS Kesehatan, and the provincial minimum wage is the floor for the health line under Perpres 59/2024.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Indonesia BPJS Calculator 2026 (Iuran BPJS) and anybody who knows can answer. No account needed.
Same job, other tools: Kalkulator PPh 21 TER 2026 – Hitung PPh 21 dengan tarif efektif (TER): potongan bulanan, Desember, BPJS, gaji bersih · Hitung THR 2026 (Kalkulator THR) – Hitung THR keagamaan: 1 bulan upah, atau proporsional bagi masa kerja di bawah 12 bulan.
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