Compound Interest Calculator Jakarta

Compound Interest Calculator for Jakarta

Savings accounts and deposits in Jakarta are priced off the Bank Indonesia policy rate, which stood at 5.75% at the end of September 2026. National consumer price inflation was 3.28% in September 2026, so a saver earning exactly the policy rate would have a real return of 2.39% a year before tax.

Facts that change the answer

• Bank Indonesia policy rate: 5.75% (September 2026, BIS series)
• Annual CPI inflation: 3.28% (September 2026)
• Real return at the policy rate: 2.39% per year (computed as (1 + 5.75%) / (1 + 3.28%) minus 1)
• Policy rate at each December: 2016 4.75%, 2017 4.25%, 2018 6%, 2019 5%, 2020 3.75%, 2021 3.5%, 2022 5.5%, 2023 6%, 2024 6%, 2025 4.75%
• Policy rate moves since January 2020 (month-end data): February 2020 5% to 4.75%; March 2020 4.75% to 4.5%; June 2020 4.5% to 4.25%; July 2020 4.25% to 4%; November 2020 4% to 3.75%; February 2021 3.75% to 3.5%; August 2022 3.5% to 3.75%; September 2022 3.75% to 4.25%; October 2022 4.25% to 4.75%; November 2022 4.75% to 5.25%; December 2022 5.25% to 5.5%; January 2023 5.5% to 5.75%; October 2023 5.75% to 6%; April 2024 6% to 6.25%; September 2024 6.25% to 6%; January 2025 6% to 5.75%; May 2025 5.75% to 5.5%; July 2025 5.5% to 5.25%; August 2025 5.25% to 5%; September 2025 5% to 4.75%; May 2026 4.75% to 5.25%; June 2026 5.25% to 5.75%
• In 10 of the last 10 years the December policy rate was above that year's average inflation

Worked example for Jakarta

Start with IDR 100,000,000, add IDR 1,000,000 a month and use 5.75% compounded monthly. After 10 years you would have IDR 339,143,994 from IDR 220,000,000 of deposits; after 20 years IDR 763,550,882 from IDR 340,000,000. These amounts in Indonesian rupiah are only examples; real deposit rates offered by banks in Jakarta are usually below or above the policy rate depending on the term and the bank.

To see what that balance is worth in today's money, take inflation into account: at 3.28% a year, IDR 339,143,994 in ten years has the buying power of about IDR 245,523,533 now. Recent history for Jakarta's currency: 2020: 3.75% rate vs 2.0% inflation, 2021: 3.5% rate vs 1.6% inflation, 2022: 5.5% rate vs 4.2% inflation, 2023: 6% rate vs 3.7% inflation, 2024: 6% rate vs 2.3% inflation, 2025: 4.75% rate vs 1.9% inflation.

If you hold the money in a fixed deposit, the rate you lock in matters more than the compounding frequency. On IDR 100,000,000 over 10 years at 5.75%, switching from yearly to monthly compounding adds only IDR 2,563,563, while a rate 1 point higher adds IDR 18,563,000.

Sources: BIS central bank policy rates · BIS consumer price statistics. Checked 5 November 2026. For how the maths works, see the Compound Interest Calculator guide.