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KEUANGAN & ANGGARAN

Kalkulator Bunga Majemuk

Hitung pertumbuhan nilai masa depan tabungan atau investasi Anda berdasarkan modal awal, suku bunga tahunan, frekuensi pemajemukan, dan kontribusi bulanan rutin.

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Pratinjau

Input

Hasil

Saldo akhir
20.514,24
Total kontribusi
13.000,00
Bunga yang diperoleh
7.514,24
Kontribusi bulanan
100,00

Perkirakan bagaimana jumlah awal dan kontribusi bulanan tumbuh seiring waktu.

Cara kerja

  1. Masukkan data Anda

    Isi nilai yang diperlukan, tempel teks Anda, atau unggah file yang ingin diproses.

  2. Lihat hasil seketika

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  3. Gunakan hasil Anda

    Salin, unduh, atau bagikan hasil yang dihasilkan — Anda selalu memiliki kendali penuh atas data Anda.

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Apa itu Kalkulator Bunga Majemuk?

Estimate how an initial amount and recurring monthly contributions can grow with compound interest over a chosen period.

PAHAMI CARA KERJA ALAT

How to calculate compound interest

How to use it

  • Enter the initial amount you already have.
  • Add the annual interest rate and the number of years.
  • Enter the monthly contribution and choose how often interest compounds.
  • Review final balance, total contributions, and interest earned.

What the result assumes

The calculator treats the annual rate as a nominal rate and converts it to an effective monthly growth rate based on the compounding frequency. Monthly contributions are added at the end of each month.

Comparing scenarios

  • Raise the monthly contribution to see the effect of saving more.
  • Try different periods to see how time changes the final balance.
  • Compare rates carefully; small differences compound over long periods.

Contribution timing

Monthly contributions are added after each monthly growth step. The annual rate is first converted to an effective monthly rate from the selected compounding frequency.

Monthly rate
(1 + annual_rate / frequency)^(frequency / 12) - 1

Monthly contribution example

Final balance
monthly loop after effective monthly growth

1,000 principal, 6% annual, 100 per month

The tool compounds each month, then adds the monthly contribution, and separates your contributions from earned interest.

Investment estimate notes

The projection assumes a steady return and regular contributions. Real investments vary, and taxes, fees, and inflation are not included.

Pertanyaan yang Sering Diajukan (FAQ)

Is this financial advice?

No. It is a planning estimate only. Real investments can include taxes, fees, risk, and changing rates.

When are monthly contributions added?

The tool adds each monthly contribution after that month's interest, which is a conservative end-of-month assumption.

Can the interest rate be zero?

Yes. With a zero rate, the result is the initial amount plus the monthly contributions.

Does compounding frequency change contribution timing?

No. Frequency changes the effective monthly rate, while monthly contributions are still added at the end of each month.

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