📅 Kalkulator Amortisasi
Setiap angsuran pinjaman berbunga tetap, dipecah menjadi bunga dan pokok beserta sisa pinjaman setelahnya – lengkap dengan tanggal lunas dan dampak pembayaran tambahan.
Jawaban singkat: Pinjaman $300.000 dengan bunga 6,5% selama 30 tahun memiliki angsuran bulanan $1.896,20; selama 360 kali angsuran Anda membayar bunga $382.636,71, dan pinjaman lunas pada Okt 2056 jika angsuran pertama dibayar pada Nov 2026.
Belum ada penilaian · Diperbarui · Gratis · Tanpa daftar
Data masukan Kalkulator Amortisasi
Hasil
Angsuran per bulan
$1.896,20
$300.000,00 dengan bunga 6,5% selama 30 tahun
| Jumlah pinjaman | $300.000,00 |
| Total bunga | $382.636,71 |
| Total seluruh angsuran | $682.636,71 |
| Tanggal lunas | Okt 2056 |
- Jumlah angsuran
- 360
- Porsi bunga dari total
- 56%
PokokBunga
Jadwal angsuran per tahun
Buka salah satu tahun untuk melihat setiap angsuran bulanan.
Tahun ke-1 (Nov 2026 – Okt 2027): pokok $3.353,12 · bunga $19.401,28 · sisa pinjaman $296.646,88
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 1 | Nov 2026 | $1.896,20 | $271,20 | $1.625,00 | $299.728,80 |
| 2 | Des 2026 | $1.896,20 | $272,67 | $1.623,53 | $299.456,13 |
| 3 | Jan 2027 | $1.896,20 | $274,15 | $1.622,05 | $299.181,98 |
| 4 | Feb 2027 | $1.896,20 | $275,63 | $1.620,57 | $298.906,35 |
| 5 | Mar 2027 | $1.896,20 | $277,12 | $1.619,08 | $298.629,23 |
| 6 | Apr 2027 | $1.896,20 | $278,63 | $1.617,57 | $298.350,60 |
| 7 | Mei 2027 | $1.896,20 | $280,13 | $1.616,07 | $298.070,47 |
| 8 | Jun 2027 | $1.896,20 | $281,65 | $1.614,55 | $297.788,82 |
| 9 | Jul 2027 | $1.896,20 | $283,18 | $1.613,02 | $297.505,64 |
| 10 | Agu 2027 | $1.896,20 | $284,71 | $1.611,49 | $297.220,93 |
| 11 | Sep 2027 | $1.896,20 | $286,25 | $1.609,95 | $296.934,68 |
| 12 | Okt 2027 | $1.896,20 | $287,80 | $1.608,40 | $296.646,88 |
Tahun ke-2 (Nov 2027 – Okt 2028): pokok $3.577,68 · bunga $19.176,72 · sisa pinjaman $293.069,20
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 13 | Nov 2027 | $1.896,20 | $289,36 | $1.606,84 | $296.357,52 |
| 14 | Des 2027 | $1.896,20 | $290,93 | $1.605,27 | $296.066,59 |
| 15 | Jan 2028 | $1.896,20 | $292,51 | $1.603,69 | $295.774,08 |
| 16 | Feb 2028 | $1.896,20 | $294,09 | $1.602,11 | $295.479,99 |
| 17 | Mar 2028 | $1.896,20 | $295,68 | $1.600,52 | $295.184,31 |
| 18 | Apr 2028 | $1.896,20 | $297,28 | $1.598,92 | $294.887,03 |
| 19 | Mei 2028 | $1.896,20 | $298,90 | $1.597,30 | $294.588,13 |
| 20 | Jun 2028 | $1.896,20 | $300,51 | $1.595,69 | $294.287,62 |
| 21 | Jul 2028 | $1.896,20 | $302,14 | $1.594,06 | $293.985,48 |
| 22 | Agu 2028 | $1.896,20 | $303,78 | $1.592,42 | $293.681,70 |
| 23 | Sep 2028 | $1.896,20 | $305,42 | $1.590,78 | $293.376,28 |
| 24 | Okt 2028 | $1.896,20 | $307,08 | $1.589,12 | $293.069,20 |
Tahun ke-3 (Nov 2028 – Okt 2029): pokok $3.817,29 · bunga $18.937,11 · sisa pinjaman $289.251,91
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 25 | Nov 2028 | $1.896,20 | $308,74 | $1.587,46 | $292.760,46 |
| 26 | Des 2028 | $1.896,20 | $310,41 | $1.585,79 | $292.450,05 |
| 27 | Jan 2029 | $1.896,20 | $312,10 | $1.584,10 | $292.137,95 |
| 28 | Feb 2029 | $1.896,20 | $313,79 | $1.582,41 | $291.824,16 |
| 29 | Mar 2029 | $1.896,20 | $315,49 | $1.580,71 | $291.508,67 |
| 30 | Apr 2029 | $1.896,20 | $317,19 | $1.579,01 | $291.191,48 |
| 31 | Mei 2029 | $1.896,20 | $318,91 | $1.577,29 | $290.872,57 |
| 32 | Jun 2029 | $1.896,20 | $320,64 | $1.575,56 | $290.551,93 |
| 33 | Jul 2029 | $1.896,20 | $322,38 | $1.573,82 | $290.229,55 |
| 34 | Agu 2029 | $1.896,20 | $324,12 | $1.572,08 | $289.905,43 |
| 35 | Sep 2029 | $1.896,20 | $325,88 | $1.570,32 | $289.579,55 |
| 36 | Okt 2029 | $1.896,20 | $327,64 | $1.568,56 | $289.251,91 |
Tahun ke-4 (Nov 2029 – Okt 2030): pokok $4.072,94 · bunga $18.681,46 · sisa pinjaman $285.178,97
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 37 | Nov 2029 | $1.896,20 | $329,42 | $1.566,78 | $288.922,49 |
| 38 | Des 2029 | $1.896,20 | $331,20 | $1.565,00 | $288.591,29 |
| 39 | Jan 2030 | $1.896,20 | $333,00 | $1.563,20 | $288.258,29 |
| 40 | Feb 2030 | $1.896,20 | $334,80 | $1.561,40 | $287.923,49 |
| 41 | Mar 2030 | $1.896,20 | $336,61 | $1.559,59 | $287.586,88 |
| 42 | Apr 2030 | $1.896,20 | $338,44 | $1.557,76 | $287.248,44 |
| 43 | Mei 2030 | $1.896,20 | $340,27 | $1.555,93 | $286.908,17 |
| 44 | Jun 2030 | $1.896,20 | $342,11 | $1.554,09 | $286.566,06 |
| 45 | Jul 2030 | $1.896,20 | $343,97 | $1.552,23 | $286.222,09 |
| 46 | Agu 2030 | $1.896,20 | $345,83 | $1.550,37 | $285.876,26 |
| 47 | Sep 2030 | $1.896,20 | $347,70 | $1.548,50 | $285.528,56 |
| 48 | Okt 2030 | $1.896,20 | $349,59 | $1.546,61 | $285.178,97 |
Tahun ke-5 (Nov 2030 – Okt 2031): pokok $4.345,71 · bunga $18.408,69 · sisa pinjaman $280.833,26
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 49 | Nov 2030 | $1.896,20 | $351,48 | $1.544,72 | $284.827,49 |
| 50 | Des 2030 | $1.896,20 | $353,38 | $1.542,82 | $284.474,11 |
| 51 | Jan 2031 | $1.896,20 | $355,30 | $1.540,90 | $284.118,81 |
| 52 | Feb 2031 | $1.896,20 | $357,22 | $1.538,98 | $283.761,59 |
| 53 | Mar 2031 | $1.896,20 | $359,16 | $1.537,04 | $283.402,43 |
| 54 | Apr 2031 | $1.896,20 | $361,10 | $1.535,10 | $283.041,33 |
| 55 | Mei 2031 | $1.896,20 | $363,06 | $1.533,14 | $282.678,27 |
| 56 | Jun 2031 | $1.896,20 | $365,03 | $1.531,17 | $282.313,24 |
| 57 | Jul 2031 | $1.896,20 | $367,00 | $1.529,20 | $281.946,24 |
| 58 | Agu 2031 | $1.896,20 | $368,99 | $1.527,21 | $281.577,25 |
| 59 | Sep 2031 | $1.896,20 | $370,99 | $1.525,21 | $281.206,26 |
| 60 | Okt 2031 | $1.896,20 | $373,00 | $1.523,20 | $280.833,26 |
Tahun ke-6 (Nov 2031 – Okt 2032): pokok $4.636,75 · bunga $18.117,65 · sisa pinjaman $276.196,51
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 61 | Nov 2031 | $1.896,20 | $375,02 | $1.521,18 | $280.458,24 |
| 62 | Des 2031 | $1.896,20 | $377,05 | $1.519,15 | $280.081,19 |
| 63 | Jan 2032 | $1.896,20 | $379,09 | $1.517,11 | $279.702,10 |
| 64 | Feb 2032 | $1.896,20 | $381,15 | $1.515,05 | $279.320,95 |
| 65 | Mar 2032 | $1.896,20 | $383,21 | $1.512,99 | $278.937,74 |
| 66 | Apr 2032 | $1.896,20 | $385,29 | $1.510,91 | $278.552,45 |
| 67 | Mei 2032 | $1.896,20 | $387,37 | $1.508,83 | $278.165,08 |
| 68 | Jun 2032 | $1.896,20 | $389,47 | $1.506,73 | $277.775,61 |
| 69 | Jul 2032 | $1.896,20 | $391,58 | $1.504,62 | $277.384,03 |
| 70 | Agu 2032 | $1.896,20 | $393,70 | $1.502,50 | $276.990,33 |
| 71 | Sep 2032 | $1.896,20 | $395,84 | $1.500,36 | $276.594,49 |
| 72 | Okt 2032 | $1.896,20 | $397,98 | $1.498,22 | $276.196,51 |
Tahun ke-7 (Nov 2032 – Okt 2033): pokok $4.947,30 · bunga $17.807,10 · sisa pinjaman $271.249,21
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 73 | Nov 2032 | $1.896,20 | $400,14 | $1.496,06 | $275.796,37 |
| 74 | Des 2032 | $1.896,20 | $402,30 | $1.493,90 | $275.394,07 |
| 75 | Jan 2033 | $1.896,20 | $404,48 | $1.491,72 | $274.989,59 |
| 76 | Feb 2033 | $1.896,20 | $406,67 | $1.489,53 | $274.582,92 |
| 77 | Mar 2033 | $1.896,20 | $408,88 | $1.487,32 | $274.174,04 |
| 78 | Apr 2033 | $1.896,20 | $411,09 | $1.485,11 | $273.762,95 |
| 79 | Mei 2033 | $1.896,20 | $413,32 | $1.482,88 | $273.349,63 |
| 80 | Jun 2033 | $1.896,20 | $415,56 | $1.480,64 | $272.934,07 |
| 81 | Jul 2033 | $1.896,20 | $417,81 | $1.478,39 | $272.516,26 |
| 82 | Agu 2033 | $1.896,20 | $420,07 | $1.476,13 | $272.096,19 |
| 83 | Sep 2033 | $1.896,20 | $422,35 | $1.473,85 | $271.673,84 |
| 84 | Okt 2033 | $1.896,20 | $424,63 | $1.471,57 | $271.249,21 |
Tahun ke-8 (Nov 2033 – Okt 2034): pokok $5.278,62 · bunga $17.475,78 · sisa pinjaman $265.970,59
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 85 | Nov 2033 | $1.896,20 | $426,93 | $1.469,27 | $270.822,28 |
| 86 | Des 2033 | $1.896,20 | $429,25 | $1.466,95 | $270.393,03 |
| 87 | Jan 2034 | $1.896,20 | $431,57 | $1.464,63 | $269.961,46 |
| 88 | Feb 2034 | $1.896,20 | $433,91 | $1.462,29 | $269.527,55 |
| 89 | Mar 2034 | $1.896,20 | $436,26 | $1.459,94 | $269.091,29 |
| 90 | Apr 2034 | $1.896,20 | $438,62 | $1.457,58 | $268.652,67 |
| 91 | Mei 2034 | $1.896,20 | $441,00 | $1.455,20 | $268.211,67 |
| 92 | Jun 2034 | $1.896,20 | $443,39 | $1.452,81 | $267.768,28 |
| 93 | Jul 2034 | $1.896,20 | $445,79 | $1.450,41 | $267.322,49 |
| 94 | Agu 2034 | $1.896,20 | $448,20 | $1.448,00 | $266.874,29 |
| 95 | Sep 2034 | $1.896,20 | $450,63 | $1.445,57 | $266.423,66 |
| 96 | Okt 2034 | $1.896,20 | $453,07 | $1.443,13 | $265.970,59 |
Tahun ke-9 (Nov 2034 – Okt 2035): pokok $5.632,13 · bunga $17.122,27 · sisa pinjaman $260.338,46
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 97 | Nov 2034 | $1.896,20 | $455,53 | $1.440,67 | $265.515,06 |
| 98 | Des 2034 | $1.896,20 | $457,99 | $1.438,21 | $265.057,07 |
| 99 | Jan 2035 | $1.896,20 | $460,47 | $1.435,73 | $264.596,60 |
| 100 | Feb 2035 | $1.896,20 | $462,97 | $1.433,23 | $264.133,63 |
| 101 | Mar 2035 | $1.896,20 | $465,48 | $1.430,72 | $263.668,15 |
| 102 | Apr 2035 | $1.896,20 | $468,00 | $1.428,20 | $263.200,15 |
| 103 | Mei 2035 | $1.896,20 | $470,53 | $1.425,67 | $262.729,62 |
| 104 | Jun 2035 | $1.896,20 | $473,08 | $1.423,12 | $262.256,54 |
| 105 | Jul 2035 | $1.896,20 | $475,64 | $1.420,56 | $261.780,90 |
| 106 | Agu 2035 | $1.896,20 | $478,22 | $1.417,98 | $261.302,68 |
| 107 | Sep 2035 | $1.896,20 | $480,81 | $1.415,39 | $260.821,87 |
| 108 | Okt 2035 | $1.896,20 | $483,41 | $1.412,79 | $260.338,46 |
Tahun ke-10 (Nov 2035 – Okt 2036): pokok $6.009,32 · bunga $16.745,08 · sisa pinjaman $254.329,14
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 109 | Nov 2035 | $1.896,20 | $486,03 | $1.410,17 | $259.852,43 |
| 110 | Des 2035 | $1.896,20 | $488,67 | $1.407,53 | $259.363,76 |
| 111 | Jan 2036 | $1.896,20 | $491,31 | $1.404,89 | $258.872,45 |
| 112 | Feb 2036 | $1.896,20 | $493,97 | $1.402,23 | $258.378,48 |
| 113 | Mar 2036 | $1.896,20 | $496,65 | $1.399,55 | $257.881,83 |
| 114 | Apr 2036 | $1.896,20 | $499,34 | $1.396,86 | $257.382,49 |
| 115 | Mei 2036 | $1.896,20 | $502,04 | $1.394,16 | $256.880,45 |
| 116 | Jun 2036 | $1.896,20 | $504,76 | $1.391,44 | $256.375,69 |
| 117 | Jul 2036 | $1.896,20 | $507,50 | $1.388,70 | $255.868,19 |
| 118 | Agu 2036 | $1.896,20 | $510,25 | $1.385,95 | $255.357,94 |
| 119 | Sep 2036 | $1.896,20 | $513,01 | $1.383,19 | $254.844,93 |
| 120 | Okt 2036 | $1.896,20 | $515,79 | $1.380,41 | $254.329,14 |
Tahun ke-11 (Nov 2036 – Okt 2037): pokok $6.411,79 · bunga $16.342,61 · sisa pinjaman $247.917,35
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 121 | Nov 2036 | $1.896,20 | $518,58 | $1.377,62 | $253.810,56 |
| 122 | Des 2036 | $1.896,20 | $521,39 | $1.374,81 | $253.289,17 |
| 123 | Jan 2037 | $1.896,20 | $524,22 | $1.371,98 | $252.764,95 |
| 124 | Feb 2037 | $1.896,20 | $527,06 | $1.369,14 | $252.237,89 |
| 125 | Mar 2037 | $1.896,20 | $529,91 | $1.366,29 | $251.707,98 |
| 126 | Apr 2037 | $1.896,20 | $532,78 | $1.363,42 | $251.175,20 |
| 127 | Mei 2037 | $1.896,20 | $535,67 | $1.360,53 | $250.639,53 |
| 128 | Jun 2037 | $1.896,20 | $538,57 | $1.357,63 | $250.100,96 |
| 129 | Jul 2037 | $1.896,20 | $541,49 | $1.354,71 | $249.559,47 |
| 130 | Agu 2037 | $1.896,20 | $544,42 | $1.351,78 | $249.015,05 |
| 131 | Sep 2037 | $1.896,20 | $547,37 | $1.348,83 | $248.467,68 |
| 132 | Okt 2037 | $1.896,20 | $550,33 | $1.345,87 | $247.917,35 |
Tahun ke-12 (Nov 2037 – Okt 2038): pokok $6.841,18 · bunga $15.913,22 · sisa pinjaman $241.076,17
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 133 | Nov 2037 | $1.896,20 | $553,31 | $1.342,89 | $247.364,04 |
| 134 | Des 2037 | $1.896,20 | $556,31 | $1.339,89 | $246.807,73 |
| 135 | Jan 2038 | $1.896,20 | $559,32 | $1.336,88 | $246.248,41 |
| 136 | Feb 2038 | $1.896,20 | $562,35 | $1.333,85 | $245.686,06 |
| 137 | Mar 2038 | $1.896,20 | $565,40 | $1.330,80 | $245.120,66 |
| 138 | Apr 2038 | $1.896,20 | $568,46 | $1.327,74 | $244.552,20 |
| 139 | Mei 2038 | $1.896,20 | $571,54 | $1.324,66 | $243.980,66 |
| 140 | Jun 2038 | $1.896,20 | $574,64 | $1.321,56 | $243.406,02 |
| 141 | Jul 2038 | $1.896,20 | $577,75 | $1.318,45 | $242.828,27 |
| 142 | Agu 2038 | $1.896,20 | $580,88 | $1.315,32 | $242.247,39 |
| 143 | Sep 2038 | $1.896,20 | $584,03 | $1.312,17 | $241.663,36 |
| 144 | Okt 2038 | $1.896,20 | $587,19 | $1.309,01 | $241.076,17 |
Tahun ke-13 (Nov 2038 – Okt 2039): pokok $7.299,36 · bunga $15.455,04 · sisa pinjaman $233.776,81
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 145 | Nov 2038 | $1.896,20 | $590,37 | $1.305,83 | $240.485,80 |
| 146 | Des 2038 | $1.896,20 | $593,57 | $1.302,63 | $239.892,23 |
| 147 | Jan 2039 | $1.896,20 | $596,78 | $1.299,42 | $239.295,45 |
| 148 | Feb 2039 | $1.896,20 | $600,02 | $1.296,18 | $238.695,43 |
| 149 | Mar 2039 | $1.896,20 | $603,27 | $1.292,93 | $238.092,16 |
| 150 | Apr 2039 | $1.896,20 | $606,53 | $1.289,67 | $237.485,63 |
| 151 | Mei 2039 | $1.896,20 | $609,82 | $1.286,38 | $236.875,81 |
| 152 | Jun 2039 | $1.896,20 | $613,12 | $1.283,08 | $236.262,69 |
| 153 | Jul 2039 | $1.896,20 | $616,44 | $1.279,76 | $235.646,25 |
| 154 | Agu 2039 | $1.896,20 | $619,78 | $1.276,42 | $235.026,47 |
| 155 | Sep 2039 | $1.896,20 | $623,14 | $1.273,06 | $234.403,33 |
| 156 | Okt 2039 | $1.896,20 | $626,52 | $1.269,68 | $233.776,81 |
Tahun ke-14 (Nov 2039 – Okt 2040): pokok $7.788,20 · bunga $14.966,20 · sisa pinjaman $225.988,61
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 157 | Nov 2039 | $1.896,20 | $629,91 | $1.266,29 | $233.146,90 |
| 158 | Des 2039 | $1.896,20 | $633,32 | $1.262,88 | $232.513,58 |
| 159 | Jan 2040 | $1.896,20 | $636,75 | $1.259,45 | $231.876,83 |
| 160 | Feb 2040 | $1.896,20 | $640,20 | $1.256,00 | $231.236,63 |
| 161 | Mar 2040 | $1.896,20 | $643,67 | $1.252,53 | $230.592,96 |
| 162 | Apr 2040 | $1.896,20 | $647,15 | $1.249,05 | $229.945,81 |
| 163 | Mei 2040 | $1.896,20 | $650,66 | $1.245,54 | $229.295,15 |
| 164 | Jun 2040 | $1.896,20 | $654,18 | $1.242,02 | $228.640,97 |
| 165 | Jul 2040 | $1.896,20 | $657,73 | $1.238,47 | $227.983,24 |
| 166 | Agu 2040 | $1.896,20 | $661,29 | $1.234,91 | $227.321,95 |
| 167 | Sep 2040 | $1.896,20 | $664,87 | $1.231,33 | $226.657,08 |
| 168 | Okt 2040 | $1.896,20 | $668,47 | $1.227,73 | $225.988,61 |
Tahun ke-15 (Nov 2040 – Okt 2041): pokok $8.309,84 · bunga $14.444,56 · sisa pinjaman $217.678,77
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 169 | Nov 2040 | $1.896,20 | $672,10 | $1.224,10 | $225.316,51 |
| 170 | Des 2040 | $1.896,20 | $675,74 | $1.220,46 | $224.640,77 |
| 171 | Jan 2041 | $1.896,20 | $679,40 | $1.216,80 | $223.961,37 |
| 172 | Feb 2041 | $1.896,20 | $683,08 | $1.213,12 | $223.278,29 |
| 173 | Mar 2041 | $1.896,20 | $686,78 | $1.209,42 | $222.591,51 |
| 174 | Apr 2041 | $1.896,20 | $690,50 | $1.205,70 | $221.901,01 |
| 175 | Mei 2041 | $1.896,20 | $694,24 | $1.201,96 | $221.206,77 |
| 176 | Jun 2041 | $1.896,20 | $698,00 | $1.198,20 | $220.508,77 |
| 177 | Jul 2041 | $1.896,20 | $701,78 | $1.194,42 | $219.806,99 |
| 178 | Agu 2041 | $1.896,20 | $705,58 | $1.190,62 | $219.101,41 |
| 179 | Sep 2041 | $1.896,20 | $709,40 | $1.186,80 | $218.392,01 |
| 180 | Okt 2041 | $1.896,20 | $713,24 | $1.182,96 | $217.678,77 |
Tahun ke-16 (Nov 2041 – Okt 2042): pokok $8.866,33 · bunga $13.888,07 · sisa pinjaman $208.812,44
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 181 | Nov 2041 | $1.896,20 | $717,11 | $1.179,09 | $216.961,66 |
| 182 | Des 2041 | $1.896,20 | $720,99 | $1.175,21 | $216.240,67 |
| 183 | Jan 2042 | $1.896,20 | $724,90 | $1.171,30 | $215.515,77 |
| 184 | Feb 2042 | $1.896,20 | $728,82 | $1.167,38 | $214.786,95 |
| 185 | Mar 2042 | $1.896,20 | $732,77 | $1.163,43 | $214.054,18 |
| 186 | Apr 2042 | $1.896,20 | $736,74 | $1.159,46 | $213.317,44 |
| 187 | Mei 2042 | $1.896,20 | $740,73 | $1.155,47 | $212.576,71 |
| 188 | Jun 2042 | $1.896,20 | $744,74 | $1.151,46 | $211.831,97 |
| 189 | Jul 2042 | $1.896,20 | $748,78 | $1.147,42 | $211.083,19 |
| 190 | Agu 2042 | $1.896,20 | $752,83 | $1.143,37 | $210.330,36 |
| 191 | Sep 2042 | $1.896,20 | $756,91 | $1.139,29 | $209.573,45 |
| 192 | Okt 2042 | $1.896,20 | $761,01 | $1.135,19 | $208.812,44 |
Tahun ke-17 (Nov 2042 – Okt 2043): pokok $9.460,12 · bunga $13.294,28 · sisa pinjaman $199.352,32
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 193 | Nov 2042 | $1.896,20 | $765,13 | $1.131,07 | $208.047,31 |
| 194 | Des 2042 | $1.896,20 | $769,28 | $1.126,92 | $207.278,03 |
| 195 | Jan 2043 | $1.896,20 | $773,44 | $1.122,76 | $206.504,59 |
| 196 | Feb 2043 | $1.896,20 | $777,63 | $1.118,57 | $205.726,96 |
| 197 | Mar 2043 | $1.896,20 | $781,85 | $1.114,35 | $204.945,11 |
| 198 | Apr 2043 | $1.896,20 | $786,08 | $1.110,12 | $204.159,03 |
| 199 | Mei 2043 | $1.896,20 | $790,34 | $1.105,86 | $203.368,69 |
| 200 | Jun 2043 | $1.896,20 | $794,62 | $1.101,58 | $202.574,07 |
| 201 | Jul 2043 | $1.896,20 | $798,92 | $1.097,28 | $201.775,15 |
| 202 | Agu 2043 | $1.896,20 | $803,25 | $1.092,95 | $200.971,90 |
| 203 | Sep 2043 | $1.896,20 | $807,60 | $1.088,60 | $200.164,30 |
| 204 | Okt 2043 | $1.896,20 | $811,98 | $1.084,22 | $199.352,32 |
Tahun ke-18 (Nov 2043 – Okt 2044): pokok $10.093,70 · bunga $12.660,70 · sisa pinjaman $189.258,62
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 205 | Nov 2043 | $1.896,20 | $816,37 | $1.079,83 | $198.535,95 |
| 206 | Des 2043 | $1.896,20 | $820,80 | $1.075,40 | $197.715,15 |
| 207 | Jan 2044 | $1.896,20 | $825,24 | $1.070,96 | $196.889,91 |
| 208 | Feb 2044 | $1.896,20 | $829,71 | $1.066,49 | $196.060,20 |
| 209 | Mar 2044 | $1.896,20 | $834,21 | $1.061,99 | $195.225,99 |
| 210 | Apr 2044 | $1.896,20 | $838,73 | $1.057,47 | $194.387,26 |
| 211 | Mei 2044 | $1.896,20 | $843,27 | $1.052,93 | $193.543,99 |
| 212 | Jun 2044 | $1.896,20 | $847,84 | $1.048,36 | $192.696,15 |
| 213 | Jul 2044 | $1.896,20 | $852,43 | $1.043,77 | $191.843,72 |
| 214 | Agu 2044 | $1.896,20 | $857,05 | $1.039,15 | $190.986,67 |
| 215 | Sep 2044 | $1.896,20 | $861,69 | $1.034,51 | $190.124,98 |
| 216 | Okt 2044 | $1.896,20 | $866,36 | $1.029,84 | $189.258,62 |
Tahun ke-19 (Nov 2044 – Okt 2045): pokok $10.769,69 · bunga $11.984,71 · sisa pinjaman $178.488,93
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 217 | Nov 2044 | $1.896,20 | $871,05 | $1.025,15 | $188.387,57 |
| 218 | Des 2044 | $1.896,20 | $875,77 | $1.020,43 | $187.511,80 |
| 219 | Jan 2045 | $1.896,20 | $880,51 | $1.015,69 | $186.631,29 |
| 220 | Feb 2045 | $1.896,20 | $885,28 | $1.010,92 | $185.746,01 |
| 221 | Mar 2045 | $1.896,20 | $890,08 | $1.006,12 | $184.855,93 |
| 222 | Apr 2045 | $1.896,20 | $894,90 | $1.001,30 | $183.961,03 |
| 223 | Mei 2045 | $1.896,20 | $899,74 | $996,46 | $183.061,29 |
| 224 | Jun 2045 | $1.896,20 | $904,62 | $991,58 | $182.156,67 |
| 225 | Jul 2045 | $1.896,20 | $909,52 | $986,68 | $181.247,15 |
| 226 | Agu 2045 | $1.896,20 | $914,44 | $981,76 | $180.332,71 |
| 227 | Sep 2045 | $1.896,20 | $919,40 | $976,80 | $179.413,31 |
| 228 | Okt 2045 | $1.896,20 | $924,38 | $971,82 | $178.488,93 |
Tahun ke-20 (Nov 2045 – Okt 2046): pokok $11.490,95 · bunga $11.263,45 · sisa pinjaman $166.997,98
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 229 | Nov 2045 | $1.896,20 | $929,38 | $966,82 | $177.559,55 |
| 230 | Des 2045 | $1.896,20 | $934,42 | $961,78 | $176.625,13 |
| 231 | Jan 2046 | $1.896,20 | $939,48 | $956,72 | $175.685,65 |
| 232 | Feb 2046 | $1.896,20 | $944,57 | $951,63 | $174.741,08 |
| 233 | Mar 2046 | $1.896,20 | $949,69 | $946,51 | $173.791,39 |
| 234 | Apr 2046 | $1.896,20 | $954,83 | $941,37 | $172.836,56 |
| 235 | Mei 2046 | $1.896,20 | $960,00 | $936,20 | $171.876,56 |
| 236 | Jun 2046 | $1.896,20 | $965,20 | $931,00 | $170.911,36 |
| 237 | Jul 2046 | $1.896,20 | $970,43 | $925,77 | $169.940,93 |
| 238 | Agu 2046 | $1.896,20 | $975,69 | $920,51 | $168.965,24 |
| 239 | Sep 2046 | $1.896,20 | $980,97 | $915,23 | $167.984,27 |
| 240 | Okt 2046 | $1.896,20 | $986,29 | $909,91 | $166.997,98 |
Tahun ke-21 (Nov 2046 – Okt 2047): pokok $12.260,53 · bunga $10.493,87 · sisa pinjaman $154.737,45
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 241 | Nov 2046 | $1.896,20 | $991,63 | $904,57 | $166.006,35 |
| 242 | Des 2046 | $1.896,20 | $997,00 | $899,20 | $165.009,35 |
| 243 | Jan 2047 | $1.896,20 | $1.002,40 | $893,80 | $164.006,95 |
| 244 | Feb 2047 | $1.896,20 | $1.007,83 | $888,37 | $162.999,12 |
| 245 | Mar 2047 | $1.896,20 | $1.013,29 | $882,91 | $161.985,83 |
| 246 | Apr 2047 | $1.896,20 | $1.018,78 | $877,42 | $160.967,05 |
| 247 | Mei 2047 | $1.896,20 | $1.024,30 | $871,90 | $159.942,75 |
| 248 | Jun 2047 | $1.896,20 | $1.029,84 | $866,36 | $158.912,91 |
| 249 | Jul 2047 | $1.896,20 | $1.035,42 | $860,78 | $157.877,49 |
| 250 | Agu 2047 | $1.896,20 | $1.041,03 | $855,17 | $156.836,46 |
| 251 | Sep 2047 | $1.896,20 | $1.046,67 | $849,53 | $155.789,79 |
| 252 | Okt 2047 | $1.896,20 | $1.052,34 | $843,86 | $154.737,45 |
Tahun ke-22 (Nov 2047 – Okt 2048): pokok $13.081,64 · bunga $9.672,76 · sisa pinjaman $141.655,81
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 253 | Nov 2047 | $1.896,20 | $1.058,04 | $838,16 | $153.679,41 |
| 254 | Des 2047 | $1.896,20 | $1.063,77 | $832,43 | $152.615,64 |
| 255 | Jan 2048 | $1.896,20 | $1.069,53 | $826,67 | $151.546,11 |
| 256 | Feb 2048 | $1.896,20 | $1.075,33 | $820,87 | $150.470,78 |
| 257 | Mar 2048 | $1.896,20 | $1.081,15 | $815,05 | $149.389,63 |
| 258 | Apr 2048 | $1.896,20 | $1.087,01 | $809,19 | $148.302,62 |
| 259 | Mei 2048 | $1.896,20 | $1.092,89 | $803,31 | $147.209,73 |
| 260 | Jun 2048 | $1.896,20 | $1.098,81 | $797,39 | $146.110,92 |
| 261 | Jul 2048 | $1.896,20 | $1.104,77 | $791,43 | $145.006,15 |
| 262 | Agu 2048 | $1.896,20 | $1.110,75 | $785,45 | $143.895,40 |
| 263 | Sep 2048 | $1.896,20 | $1.116,77 | $779,43 | $142.778,63 |
| 264 | Okt 2048 | $1.896,20 | $1.122,82 | $773,38 | $141.655,81 |
Tahun ke-23 (Nov 2048 – Okt 2049): pokok $13.957,73 · bunga $8.796,67 · sisa pinjaman $127.698,08
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 265 | Nov 2048 | $1.896,20 | $1.128,90 | $767,30 | $140.526,91 |
| 266 | Des 2048 | $1.896,20 | $1.135,01 | $761,19 | $139.391,90 |
| 267 | Jan 2049 | $1.896,20 | $1.141,16 | $755,04 | $138.250,74 |
| 268 | Feb 2049 | $1.896,20 | $1.147,34 | $748,86 | $137.103,40 |
| 269 | Mar 2049 | $1.896,20 | $1.153,56 | $742,64 | $135.949,84 |
| 270 | Apr 2049 | $1.896,20 | $1.159,81 | $736,39 | $134.790,03 |
| 271 | Mei 2049 | $1.896,20 | $1.166,09 | $730,11 | $133.623,94 |
| 272 | Jun 2049 | $1.896,20 | $1.172,40 | $723,80 | $132.451,54 |
| 273 | Jul 2049 | $1.896,20 | $1.178,75 | $717,45 | $131.272,79 |
| 274 | Agu 2049 | $1.896,20 | $1.185,14 | $711,06 | $130.087,65 |
| 275 | Sep 2049 | $1.896,20 | $1.191,56 | $704,64 | $128.896,09 |
| 276 | Okt 2049 | $1.896,20 | $1.198,01 | $698,19 | $127.698,08 |
Tahun ke-24 (Nov 2049 – Okt 2050): pokok $14.892,51 · bunga $7.861,89 · sisa pinjaman $112.805,57
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 277 | Nov 2049 | $1.896,20 | $1.204,50 | $691,70 | $126.493,58 |
| 278 | Des 2049 | $1.896,20 | $1.211,03 | $685,17 | $125.282,55 |
| 279 | Jan 2050 | $1.896,20 | $1.217,59 | $678,61 | $124.064,96 |
| 280 | Feb 2050 | $1.896,20 | $1.224,18 | $672,02 | $122.840,78 |
| 281 | Mar 2050 | $1.896,20 | $1.230,81 | $665,39 | $121.609,97 |
| 282 | Apr 2050 | $1.896,20 | $1.237,48 | $658,72 | $120.372,49 |
| 283 | Mei 2050 | $1.896,20 | $1.244,18 | $652,02 | $119.128,31 |
| 284 | Jun 2050 | $1.896,20 | $1.250,92 | $645,28 | $117.877,39 |
| 285 | Jul 2050 | $1.896,20 | $1.257,70 | $638,50 | $116.619,69 |
| 286 | Agu 2050 | $1.896,20 | $1.264,51 | $631,69 | $115.355,18 |
| 287 | Sep 2050 | $1.896,20 | $1.271,36 | $624,84 | $114.083,82 |
| 288 | Okt 2050 | $1.896,20 | $1.278,25 | $617,95 | $112.805,57 |
Tahun ke-25 (Nov 2050 – Okt 2051): pokok $15.889,89 · bunga $6.864,51 · sisa pinjaman $96.915,68
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 289 | Nov 2050 | $1.896,20 | $1.285,17 | $611,03 | $111.520,40 |
| 290 | Des 2050 | $1.896,20 | $1.292,13 | $604,07 | $110.228,27 |
| 291 | Jan 2051 | $1.896,20 | $1.299,13 | $597,07 | $108.929,14 |
| 292 | Feb 2051 | $1.896,20 | $1.306,17 | $590,03 | $107.622,97 |
| 293 | Mar 2051 | $1.896,20 | $1.313,24 | $582,96 | $106.309,73 |
| 294 | Apr 2051 | $1.896,20 | $1.320,36 | $575,84 | $104.989,37 |
| 295 | Mei 2051 | $1.896,20 | $1.327,51 | $568,69 | $103.661,86 |
| 296 | Jun 2051 | $1.896,20 | $1.334,70 | $561,50 | $102.327,16 |
| 297 | Jul 2051 | $1.896,20 | $1.341,93 | $554,27 | $100.985,23 |
| 298 | Agu 2051 | $1.896,20 | $1.349,20 | $547,00 | $99.636,03 |
| 299 | Sep 2051 | $1.896,20 | $1.356,50 | $539,70 | $98.279,53 |
| 300 | Okt 2051 | $1.896,20 | $1.363,85 | $532,35 | $96.915,68 |
Tahun ke-26 (Nov 2051 – Okt 2052): pokok $16.954,05 · bunga $5.800,35 · sisa pinjaman $79.961,63
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 301 | Nov 2051 | $1.896,20 | $1.371,24 | $524,96 | $95.544,44 |
| 302 | Des 2051 | $1.896,20 | $1.378,67 | $517,53 | $94.165,77 |
| 303 | Jan 2052 | $1.896,20 | $1.386,14 | $510,06 | $92.779,63 |
| 304 | Feb 2052 | $1.896,20 | $1.393,64 | $502,56 | $91.385,99 |
| 305 | Mar 2052 | $1.896,20 | $1.401,19 | $495,01 | $89.984,80 |
| 306 | Apr 2052 | $1.896,20 | $1.408,78 | $487,42 | $88.576,02 |
| 307 | Mei 2052 | $1.896,20 | $1.416,41 | $479,79 | $87.159,61 |
| 308 | Jun 2052 | $1.896,20 | $1.424,09 | $472,11 | $85.735,52 |
| 309 | Jul 2052 | $1.896,20 | $1.431,80 | $464,40 | $84.303,72 |
| 310 | Agu 2052 | $1.896,20 | $1.439,55 | $456,65 | $82.864,17 |
| 311 | Sep 2052 | $1.896,20 | $1.447,35 | $448,85 | $81.416,82 |
| 312 | Okt 2052 | $1.896,20 | $1.455,19 | $441,01 | $79.961,63 |
Tahun ke-27 (Nov 2052 – Okt 2053): pokok $18.089,49 · bunga $4.664,91 · sisa pinjaman $61.872,14
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 313 | Nov 2052 | $1.896,20 | $1.463,07 | $433,13 | $78.498,56 |
| 314 | Des 2052 | $1.896,20 | $1.471,00 | $425,20 | $77.027,56 |
| 315 | Jan 2053 | $1.896,20 | $1.478,97 | $417,23 | $75.548,59 |
| 316 | Feb 2053 | $1.896,20 | $1.486,98 | $409,22 | $74.061,61 |
| 317 | Mar 2053 | $1.896,20 | $1.495,03 | $401,17 | $72.566,58 |
| 318 | Apr 2053 | $1.896,20 | $1.503,13 | $393,07 | $71.063,45 |
| 319 | Mei 2053 | $1.896,20 | $1.511,27 | $384,93 | $69.552,18 |
| 320 | Jun 2053 | $1.896,20 | $1.519,46 | $376,74 | $68.032,72 |
| 321 | Jul 2053 | $1.896,20 | $1.527,69 | $368,51 | $66.505,03 |
| 322 | Agu 2053 | $1.896,20 | $1.535,96 | $360,24 | $64.969,07 |
| 323 | Sep 2053 | $1.896,20 | $1.544,28 | $351,92 | $63.424,79 |
| 324 | Okt 2053 | $1.896,20 | $1.552,65 | $343,55 | $61.872,14 |
Tahun ke-28 (Nov 2053 – Okt 2054): pokok $19.300,99 · bunga $3.453,41 · sisa pinjaman $42.571,15
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 325 | Nov 2053 | $1.896,20 | $1.561,06 | $335,14 | $60.311,08 |
| 326 | Des 2053 | $1.896,20 | $1.569,51 | $326,69 | $58.741,57 |
| 327 | Jan 2054 | $1.896,20 | $1.578,02 | $318,18 | $57.163,55 |
| 328 | Feb 2054 | $1.896,20 | $1.586,56 | $309,64 | $55.576,99 |
| 329 | Mar 2054 | $1.896,20 | $1.595,16 | $301,04 | $53.981,83 |
| 330 | Apr 2054 | $1.896,20 | $1.603,80 | $292,40 | $52.378,03 |
| 331 | Mei 2054 | $1.896,20 | $1.612,49 | $283,71 | $50.765,54 |
| 332 | Jun 2054 | $1.896,20 | $1.621,22 | $274,98 | $49.144,32 |
| 333 | Jul 2054 | $1.896,20 | $1.630,00 | $266,20 | $47.514,32 |
| 334 | Agu 2054 | $1.896,20 | $1.638,83 | $257,37 | $45.875,49 |
| 335 | Sep 2054 | $1.896,20 | $1.647,71 | $248,49 | $44.227,78 |
| 336 | Okt 2054 | $1.896,20 | $1.656,63 | $239,57 | $42.571,15 |
Tahun ke-29 (Nov 2054 – Okt 2055): pokok $20.593,64 · bunga $2.160,76 · sisa pinjaman $21.977,51
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 337 | Nov 2054 | $1.896,20 | $1.665,61 | $230,59 | $40.905,54 |
| 338 | Des 2054 | $1.896,20 | $1.674,63 | $221,57 | $39.230,91 |
| 339 | Jan 2055 | $1.896,20 | $1.683,70 | $212,50 | $37.547,21 |
| 340 | Feb 2055 | $1.896,20 | $1.692,82 | $203,38 | $35.854,39 |
| 341 | Mar 2055 | $1.896,20 | $1.701,99 | $194,21 | $34.152,40 |
| 342 | Apr 2055 | $1.896,20 | $1.711,21 | $184,99 | $32.441,19 |
| 343 | Mei 2055 | $1.896,20 | $1.720,48 | $175,72 | $30.720,71 |
| 344 | Jun 2055 | $1.896,20 | $1.729,80 | $166,40 | $28.990,91 |
| 345 | Jul 2055 | $1.896,20 | $1.739,17 | $157,03 | $27.251,74 |
| 346 | Agu 2055 | $1.896,20 | $1.748,59 | $147,61 | $25.503,15 |
| 347 | Sep 2055 | $1.896,20 | $1.758,06 | $138,14 | $23.745,09 |
| 348 | Okt 2055 | $1.896,20 | $1.767,58 | $128,62 | $21.977,51 |
Tahun ke-30 (Nov 2055 – Okt 2056): pokok $21.977,51 · bunga $781,60 · sisa pinjaman $0,00
| # | Bulan | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|---|
| 349 | Nov 2055 | $1.896,20 | $1.777,16 | $119,04 | $20.200,35 |
| 350 | Des 2055 | $1.896,20 | $1.786,78 | $109,42 | $18.413,57 |
| 351 | Jan 2056 | $1.896,20 | $1.796,46 | $99,74 | $16.617,11 |
| 352 | Feb 2056 | $1.896,20 | $1.806,19 | $90,01 | $14.810,92 |
| 353 | Mar 2056 | $1.896,20 | $1.815,97 | $80,23 | $12.994,95 |
| 354 | Apr 2056 | $1.896,20 | $1.825,81 | $70,39 | $11.169,14 |
| 355 | Mei 2056 | $1.896,20 | $1.835,70 | $60,50 | $9.333,44 |
| 356 | Jun 2056 | $1.896,20 | $1.845,64 | $50,56 | $7.487,80 |
| 357 | Jul 2056 | $1.896,20 | $1.855,64 | $40,56 | $5.632,16 |
| 358 | Agu 2056 | $1.896,20 | $1.865,69 | $30,51 | $3.766,47 |
| 359 | Sep 2056 | $1.896,20 | $1.875,80 | $20,40 | $1.890,67 |
| 360 | Okt 2056 | $1.900,91 | $1.890,67 | $10,24 | $0,00 |
Cara memakai kalkulator amortisasi
Masukkan jumlah pinjaman, suku bunga tahunan, tenor (dalam tahun atau bulan), dan tanggal angsuran pertama. Tambahkan pembayaran tambahan bulanan jika ingin melihat seberapa cepat pinjaman bisa lunas. Jadwal dikelompokkan per tahun – buka tahun mana saja untuk melihat setiap angsuran – dan tombol Unduh CSV mengekspor semua barisnya.
Rumus amortisasi
M = P × r(1 + r)n ÷ ((1 + r)n − 1)
P adalah jumlah pinjaman, r bunga bulanan (bunga tahunan ÷ 12), dan n jumlah angsuran. Setiap bulan bunganya = sisa pinjaman × r; sisa angsuran dipakai untuk mengurangi pokok.
Contoh perhitungan
Untuk $300.000 dengan bunga 6,5% selama 30 tahun, r = 0,065 ÷ 12 dan n = 360, sehingga angsurannya $1.896,20. Bunga bulan pertama adalah $300.000 × 0,0054167 = $1.625,00, jadi hanya $271,20 yang melunasi pokok. Sepanjang tenor Anda membayar bunga $382.636,71.
Bagaimana bunga menurun dari waktu ke waktu ($300.000, bunga 6,5%, 30 tahun)
| Angsuran | Bunga | Pokok |
|---|---|---|
| Ke-1 | $1.625,00 | $271,20 |
| Ke-120 (tahun ke-10) | $1.380,41 | $515,79 |
| Ke-240 (tahun ke-20) | $909,91 | $986,29 |
| Ke-360 (terakhir) | $10,24 | $1.890,67 |
Tips
- Pembayaran tambahan di awal masa pinjaman berdampak paling besar pada total bunga.
- Pastikan kepada pemberi pinjaman bahwa pembayaran tambahan dipakai untuk mengurangi pokok, bukan untuk angsuran berikutnya.
- Dana titipan untuk pajak dan asuransi (escrow) bukan bagian dari amortisasi dan tidak ditampilkan di sini.
Perkiraan untuk tujuan edukasi, bukan nasihat keuangan.
Pertanyaan umum
Apa itu jadwal amortisasi?
Tabel yang mencantumkan setiap angsuran pinjaman beserta porsi untuk bunga, porsi yang mengurangi pokok, dan sisa pinjaman sesudahnya. Angsuran awal sebagian besar berupa bunga; angsuran akhir sebagian besar berupa pokok.
Bagaimana cara menghitung angsuran amortisasi bulanan?
Gunakan M = P × r(1+r)^n ÷ ((1+r)^n − 1), dengan r = bunga tahunan ÷ 12 dan n = jumlah angsuran. Setiap bulan bunga = sisa pinjaman × r, dan angsuran pokok = M − bunga.
Bagaimana pembayaran tambahan mengubah jadwalnya?
Pembayaran pokok tambahan langsung menurunkan sisa pinjaman, sehingga setiap angsuran berikutnya menanggung bunga lebih kecil. Pada pinjaman $300.000 selama 30 tahun dengan bunga 6,5%, tambahan $200 per bulan menghemat bunga $103.450,19 dan melunasi pinjaman 83 bulan (6 tahun 11 bulan) lebih cepat.
Mengapa porsi pokok di angsuran awal sangat kecil?
Bunga dihitung dari sisa pinjaman, yang paling besar di awal. Untuk $300.000 dengan bunga 6,5%, angsuran ke-1 terdiri dari bunga $1.625,00 dan pokok hanya $271,20; pada angsuran ke-240 porsi pokoklah yang lebih besar.
Apakah kalkulator ini bisa dipakai untuk kredit mobil dan KTA?
Bisa. Setiap pinjaman berbunga tetap yang dilunasi dengan angsuran bulanan yang sama besarnya diamortisasi dengan cara yang sama – pilih tenor dalam bulan untuk pinjaman yang lebih pendek, misalnya kredit mobil 60 bulan.
Beri penilaian untuk Kalkulator Amortisasi
Hanya rata-rata penilaian yang ditampilkan. Laporan kesalahan langsung masuk ke kotak surat kami agar dapat kami periksa dan perbaiki. Selengkapnya: Metodologi dan kebijakan privasi.