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KEUANGAN & ANGGARAN

Kalkulator Pinjaman & Angsuran

Hitung jumlah angsuran bulanan, total pembayaran, dan rincian pokok vs bunga untuk pinjaman pribadi, KPR rumah, atau kredit kendaraan bermotor.

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Input

Hasil

Monthly payment
1,580.17
Total paid
568,861.22
Total interest
318,861.22

Cara kerja

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Apa itu Kalkulator Pinjaman & Angsuran?

Estimate the monthly payment, total amount paid, and total interest for a simple amortized loan.

PAHAMI CARA KERJA ALAT

How to estimate a loan payment

How to use it

  • Enter the loan amount.
  • Enter the annual interest rate as a percent.
  • Enter the term in years.
  • Review the estimated monthly payment and total interest.

What the formula assumes

The calculator assumes fixed monthly payments and a fixed annual interest rate. It does not include taxes, fees, insurance, or variable-rate changes.

Comparing scenarios

Try different terms and rates to see how monthly payment and total interest move. Longer terms usually lower the payment but increase total interest.

Payment formula

Monthly payment
P * r / (1 - (1 + r)^-n)
Zero-rate case
principal / payments

100,000 over 30 years at 6%

The monthly rate is 0.5% and there are 360 payments; total interest is total paid minus principal.

Loan notes

The estimate assumes a fixed annual rate and standard monthly amortization. Taxes, insurance, fees, and early payments are outside this calculation.

Pertanyaan yang Sering Diajukan (FAQ)

Is this financial advice?

No. It is an estimate for planning and comparison. Check lender terms before making financial decisions.

Can it calculate zero-interest loans?

Yes. When the rate is zero, it divides the principal evenly across the monthly payments.

Does it include extra fees?

No. Add lender fees, taxes, insurance, or closing costs separately when comparing real offers.

Does this include taxes or fees?

No. It calculates principal, nominal annual rate, and term only. Add insurance, fees, taxes, or APR/CET adjustments separately.

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