Kalkulator Tabungan - Rencanakan Tabungan Anda
| Tahun | Setoran | Bunga | Saldo Akhir |
|---|---|---|---|
| 1 | Rp 32.000,00 | Rp 1.526,53 | Rp 33.526,53 |
| 2 | Rp 12.000,00 | Rp 2.338,12 | Rp 47.864,65 |
| 3 | Rp 12.000,00 | Rp 3.198,41 | Rp 63.063,06 |
| 4 | Rp 12.000,00 | Rp 4.110,31 | Rp 79.173,37 |
| 5 | Rp 12.000,00 | Rp 5.076,93 | Rp 96.250,30 |
| 6 | Rp 12.000,00 | Rp 6.101,55 | Rp 114.351,84 |
| 7 | Rp 12.000,00 | Rp 7.187,64 | Rp 133.539,48 |
| 8 | Rp 12.000,00 | Rp 8.338,90 | Rp 153.878,38 |
| 9 | Rp 12.000,00 | Rp 9.559,23 | Rp 175.437,61 |
| 10 | Rp 12.000,00 | Rp 10.852,79 | Rp 198.290,40 |
aria.chart.lineChartSummary
What Is a Savings Calculator?
A savings calculator estimates how much your current balance will grow over time with regular contributions and interest. It's ideal for planning savings goals, emergency funds, or long-term investments.
Why Use a Savings Calculator?
- Visualize compound growth over time
- Plan consistent contributions to meet goals
- Adjust interest, inflation, and time horizon
- Compare different savings strategies
How Does Savings Growth Work?
Savings growth uses compound interest, meaning you earn interest on your original deposits and on the interest previously earned. Over time, this creates exponential growth.
- Principal: Your initial deposit
- Contributions: Additional periodic deposits
- Interest: Earnings applied regularly (e.g., monthly, annually)
How Is Future Savings Calculated?
- Starting balance
- Regular contributions (monthly, yearly, etc.)
- Interest rate and compounding frequency
- Length of savings period
- Optional adjustments for inflation or tax
Example Calculation
If you start with Rp 20.000,00, contribute Rp 1.000,00 monthly at an annual interest rate of 6% for 10 years, your balance will grow to about Rp 198.290,40.
Savings Calculator Pros and Cons
| Pros | Cons |
|---|---|
| Helps visualize long-term goals | Assumes consistent rate and contributions |
| Supports inflation/tax adjustments | May not account for real-life market variability |
| Interactive and customizable | Estimates only — not financial advice |
Frequently Asked Questions
Simple interest is calculated only on the principal, while compound interest includes interest on both the principal and previously earned interest.
As early as possible — time is the biggest multiplier when it comes to compound growth.
Yes. Adjusting for inflation gives a more realistic estimate of your future purchasing power.
Contributing at the beginning of the period leads to slightly higher growth due to more compounding opportunities.