What this BPJS calculator does
The BPJS calculator estimates employer cost across JKK, JKM, JHT, and JP. Its main purpose is to help founders, finance teams, and HR estimate baseline payroll burden before the final salary structure is set. Because JKK depends on the risk class, the result should always be read together with the real business activity and the correct KBLI mapping.
Components included
- JKK based on the selected risk class
- JKM as a fixed employer component
- JHT employer and employee shares
- JP employer share
Why the risk class matters
Many payroll teams focus only on base salary, but the JKK risk class directly changes employer cost. In higher-risk sectors that difference becomes meaningful as headcount grows. That is why the KBLI page and the BPJS calculator should be used together rather than in isolation.
How to use the calculator correctly
Enter the monthly gross salary, choose the risk class closest to the business activity, and use the output as an employer-cost estimate. Then confirm whether the selected risk class is actually consistent with the activity classification, payroll structure, and benefits policy.
Limits
This tool does not replace a payroll system, does not include every company benefit, and does not evaluate special exceptions. It also does not legally assign the risk class. Its role is to support labour-cost planning.
Checklist after estimating
Open the province page for the wage floor, open the linked KBLI page for business-risk context, and validate the result against the payroll rules and BPJS requirements that apply to the company.
Changelog
- 2026-03-19 - The reference page was published with the initial source layer, structure, and coverage note.
- 2026-03-19 - Metadata, internal linking, FAQs, and source-verification notes were updated.
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