🏠 Kalkulator KPR
Mulailah dengan harga rumah, uang muka, suku bunga, dan tenor. Lalu tambahkan biaya yang dipungut bank bersama angsuran, dan coba pelunasan tambahan tiap bulan untuk melihat berapa tahun dan berapa bunga yang bisa dihemat.
Jawaban singkat: Angsuran KPR per bulan adalah M = P × r(1+r)^n ÷ ((1+r)^n − 1), ditambah pajak properti, asuransi, dan PMI. Contoh: pinjaman $320.000 dengan bunga 6,5% selama 30 tahun berarti angsuran pokok dan bunga sekitar $2.023 per bulan.
Belum ada penilaian · Diperbarui · Gratis · Tanpa daftar
Data masukan Kalkulator KPR
Hasil
Total angsuran per bulan
$2.547,62
| Pokok & bunga | $2.022,62 |
| Pajak properti | $400,00 |
| Asuransi rumah | $125,00 |
- Jumlah pinjaman
- $320.000
- Uang muka
- $80.000
- Total bunga
- $408.141
- Lunas dalam
- 30 tahun
PokokBunga
Jadwal angsuran
| Tahun | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|
| 1 | $3.576,76 | $20.694,68 | $316.423,24 |
| 2 | $3.816,28 | $20.455,16 | $312.606,96 |
| 3 | $4.071,88 | $20.199,56 | $308.535,08 |
| 4 | $4.344,57 | $19.926,87 | $304.190,51 |
| 5 | $4.635,54 | $19.635,90 | $299.554,97 |
| 6 | $4.946,00 | $19.325,44 | $294.608,97 |
| 7 | $5.277,22 | $18.994,22 | $289.331,75 |
| 8 | $5.630,65 | $18.640,79 | $283.701,10 |
| 9 | $6.007,75 | $18.263,69 | $277.693,35 |
| 10 | $6.410,11 | $17.861,33 | $271.283,24 |
| 11 | $6.839,41 | $17.432,03 | $264.443,83 |
| 12 | $7.297,46 | $16.973,98 | $257.146,37 |
| 13 | $7.786,17 | $16.485,27 | $249.360,20 |
| 14 | $8.307,62 | $15.963,82 | $241.052,58 |
| 15 | $8.864,02 | $15.407,42 | $232.188,56 |
| 16 | $9.457,63 | $14.813,81 | $222.730,93 |
| 17 | $10.091,05 | $14.180,39 | $212.639,88 |
| 18 | $10.766,86 | $13.504,58 | $201.873,02 |
| 19 | $11.487,93 | $12.783,51 | $190.385,09 |
| 20 | $12.257,30 | $12.014,14 | $178.127,79 |
| 21 | $13.078,20 | $11.193,24 | $165.049,59 |
| 22 | $13.954,06 | $10.317,38 | $151.095,53 |
| 23 | $14.888,61 | $9.382,83 | $136.206,92 |
| 24 | $15.885,71 | $8.385,73 | $120.321,21 |
| 25 | $16.949,60 | $7.321,84 | $103.371,61 |
| 26 | $18.084,76 | $6.186,68 | $85.286,85 |
| 27 | $19.295,92 | $4.975,52 | $65.990,93 |
| 28 | $20.588,22 | $3.683,22 | $45.402,71 |
| 29 | $21.967,04 | $2.304,40 | $23.435,67 |
| 30 | $23.435,67 | $833,21 | $0,00 |
Tampilkan jadwal bulanan (360 angsuran)
| # | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|
| 1 | $2.022,62 | $289,29 | $1.733,33 | $319.710,71 |
| 2 | $2.022,62 | $290,85 | $1.731,77 | $319.419,86 |
| 3 | $2.022,62 | $292,43 | $1.730,19 | $319.127,43 |
| 4 | $2.022,62 | $294,01 | $1.728,61 | $318.833,42 |
| 5 | $2.022,62 | $295,61 | $1.727,01 | $318.537,81 |
| 6 | $2.022,62 | $297,21 | $1.725,41 | $318.240,60 |
| 7 | $2.022,62 | $298,82 | $1.723,80 | $317.941,78 |
| 8 | $2.022,62 | $300,44 | $1.722,18 | $317.641,34 |
| 9 | $2.022,62 | $302,06 | $1.720,56 | $317.339,28 |
| 10 | $2.022,62 | $303,70 | $1.718,92 | $317.035,58 |
| 11 | $2.022,62 | $305,34 | $1.717,28 | $316.730,24 |
| 12 | $2.022,62 | $307,00 | $1.715,62 | $316.423,24 |
| 13 | $2.022,62 | $308,66 | $1.713,96 | $316.114,58 |
| 14 | $2.022,62 | $310,33 | $1.712,29 | $315.804,25 |
| 15 | $2.022,62 | $312,01 | $1.710,61 | $315.492,24 |
| 16 | $2.022,62 | $313,70 | $1.708,92 | $315.178,54 |
| 17 | $2.022,62 | $315,40 | $1.707,22 | $314.863,14 |
| 18 | $2.022,62 | $317,11 | $1.705,51 | $314.546,03 |
| 19 | $2.022,62 | $318,83 | $1.703,79 | $314.227,20 |
| 20 | $2.022,62 | $320,56 | $1.702,06 | $313.906,64 |
| 21 | $2.022,62 | $322,29 | $1.700,33 | $313.584,35 |
| 22 | $2.022,62 | $324,04 | $1.698,58 | $313.260,31 |
| 23 | $2.022,62 | $325,79 | $1.696,83 | $312.934,52 |
| 24 | $2.022,62 | $327,56 | $1.695,06 | $312.606,96 |
| 25 | $2.022,62 | $329,33 | $1.693,29 | $312.277,63 |
| 26 | $2.022,62 | $331,12 | $1.691,50 | $311.946,51 |
| 27 | $2.022,62 | $332,91 | $1.689,71 | $311.613,60 |
| 28 | $2.022,62 | $334,71 | $1.687,91 | $311.278,89 |
| 29 | $2.022,62 | $336,53 | $1.686,09 | $310.942,36 |
| 30 | $2.022,62 | $338,35 | $1.684,27 | $310.604,01 |
| 31 | $2.022,62 | $340,18 | $1.682,44 | $310.263,83 |
| 32 | $2.022,62 | $342,02 | $1.680,60 | $309.921,81 |
| 33 | $2.022,62 | $343,88 | $1.678,74 | $309.577,93 |
| 34 | $2.022,62 | $345,74 | $1.676,88 | $309.232,19 |
| 35 | $2.022,62 | $347,61 | $1.675,01 | $308.884,58 |
| 36 | $2.022,62 | $349,50 | $1.673,12 | $308.535,08 |
| 37 | $2.022,62 | $351,39 | $1.671,23 | $308.183,69 |
| 38 | $2.022,62 | $353,29 | $1.669,33 | $307.830,40 |
| 39 | $2.022,62 | $355,21 | $1.667,41 | $307.475,19 |
| 40 | $2.022,62 | $357,13 | $1.665,49 | $307.118,06 |
| 41 | $2.022,62 | $359,06 | $1.663,56 | $306.759,00 |
| 42 | $2.022,62 | $361,01 | $1.661,61 | $306.397,99 |
| 43 | $2.022,62 | $362,96 | $1.659,66 | $306.035,03 |
| 44 | $2.022,62 | $364,93 | $1.657,69 | $305.670,10 |
| 45 | $2.022,62 | $366,91 | $1.655,71 | $305.303,19 |
| 46 | $2.022,62 | $368,89 | $1.653,73 | $304.934,30 |
| 47 | $2.022,62 | $370,89 | $1.651,73 | $304.563,41 |
| 48 | $2.022,62 | $372,90 | $1.649,72 | $304.190,51 |
| 49 | $2.022,62 | $374,92 | $1.647,70 | $303.815,59 |
| 50 | $2.022,62 | $376,95 | $1.645,67 | $303.438,64 |
| 51 | $2.022,62 | $378,99 | $1.643,63 | $303.059,65 |
| 52 | $2.022,62 | $381,05 | $1.641,57 | $302.678,60 |
| 53 | $2.022,62 | $383,11 | $1.639,51 | $302.295,49 |
| 54 | $2.022,62 | $385,19 | $1.637,43 | $301.910,30 |
| 55 | $2.022,62 | $387,27 | $1.635,35 | $301.523,03 |
| 56 | $2.022,62 | $389,37 | $1.633,25 | $301.133,66 |
| 57 | $2.022,62 | $391,48 | $1.631,14 | $300.742,18 |
| 58 | $2.022,62 | $393,60 | $1.629,02 | $300.348,58 |
| 59 | $2.022,62 | $395,73 | $1.626,89 | $299.952,85 |
| 60 | $2.022,62 | $397,88 | $1.624,74 | $299.554,97 |
| 61 | $2.022,62 | $400,03 | $1.622,59 | $299.154,94 |
| 62 | $2.022,62 | $402,20 | $1.620,42 | $298.752,74 |
| 63 | $2.022,62 | $404,38 | $1.618,24 | $298.348,36 |
| 64 | $2.022,62 | $406,57 | $1.616,05 | $297.941,79 |
| 65 | $2.022,62 | $408,77 | $1.613,85 | $297.533,02 |
| 66 | $2.022,62 | $410,98 | $1.611,64 | $297.122,04 |
| 67 | $2.022,62 | $413,21 | $1.609,41 | $296.708,83 |
| 68 | $2.022,62 | $415,45 | $1.607,17 | $296.293,38 |
| 69 | $2.022,62 | $417,70 | $1.604,92 | $295.875,68 |
| 70 | $2.022,62 | $419,96 | $1.602,66 | $295.455,72 |
| 71 | $2.022,62 | $422,23 | $1.600,39 | $295.033,49 |
| 72 | $2.022,62 | $424,52 | $1.598,10 | $294.608,97 |
| 73 | $2.022,62 | $426,82 | $1.595,80 | $294.182,15 |
| 74 | $2.022,62 | $429,13 | $1.593,49 | $293.753,02 |
| 75 | $2.022,62 | $431,46 | $1.591,16 | $293.321,56 |
| 76 | $2.022,62 | $433,79 | $1.588,83 | $292.887,77 |
| 77 | $2.022,62 | $436,14 | $1.586,48 | $292.451,63 |
| 78 | $2.022,62 | $438,51 | $1.584,11 | $292.013,12 |
| 79 | $2.022,62 | $440,88 | $1.581,74 | $291.572,24 |
| 80 | $2.022,62 | $443,27 | $1.579,35 | $291.128,97 |
| 81 | $2.022,62 | $445,67 | $1.576,95 | $290.683,30 |
| 82 | $2.022,62 | $448,09 | $1.574,53 | $290.235,21 |
| 83 | $2.022,62 | $450,51 | $1.572,11 | $289.784,70 |
| 84 | $2.022,62 | $452,95 | $1.569,67 | $289.331,75 |
| 85 | $2.022,62 | $455,41 | $1.567,21 | $288.876,34 |
| 86 | $2.022,62 | $457,87 | $1.564,75 | $288.418,47 |
| 87 | $2.022,62 | $460,35 | $1.562,27 | $287.958,12 |
| 88 | $2.022,62 | $462,85 | $1.559,77 | $287.495,27 |
| 89 | $2.022,62 | $465,35 | $1.557,27 | $287.029,92 |
| 90 | $2.022,62 | $467,87 | $1.554,75 | $286.562,05 |
| 91 | $2.022,62 | $470,41 | $1.552,21 | $286.091,64 |
| 92 | $2.022,62 | $472,96 | $1.549,66 | $285.618,68 |
| 93 | $2.022,62 | $475,52 | $1.547,10 | $285.143,16 |
| 94 | $2.022,62 | $478,09 | $1.544,53 | $284.665,07 |
| 95 | $2.022,62 | $480,68 | $1.541,94 | $284.184,39 |
| 96 | $2.022,62 | $483,29 | $1.539,33 | $283.701,10 |
| 97 | $2.022,62 | $485,91 | $1.536,71 | $283.215,19 |
| 98 | $2.022,62 | $488,54 | $1.534,08 | $282.726,65 |
| 99 | $2.022,62 | $491,18 | $1.531,44 | $282.235,47 |
| 100 | $2.022,62 | $493,84 | $1.528,78 | $281.741,63 |
| 101 | $2.022,62 | $496,52 | $1.526,10 | $281.245,11 |
| 102 | $2.022,62 | $499,21 | $1.523,41 | $280.745,90 |
| 103 | $2.022,62 | $501,91 | $1.520,71 | $280.243,99 |
| 104 | $2.022,62 | $504,63 | $1.517,99 | $279.739,36 |
| 105 | $2.022,62 | $507,37 | $1.515,25 | $279.231,99 |
| 106 | $2.022,62 | $510,11 | $1.512,51 | $278.721,88 |
| 107 | $2.022,62 | $512,88 | $1.509,74 | $278.209,00 |
| 108 | $2.022,62 | $515,65 | $1.506,97 | $277.693,35 |
| 109 | $2.022,62 | $518,45 | $1.504,17 | $277.174,90 |
| 110 | $2.022,62 | $521,26 | $1.501,36 | $276.653,64 |
| 111 | $2.022,62 | $524,08 | $1.498,54 | $276.129,56 |
| 112 | $2.022,62 | $526,92 | $1.495,70 | $275.602,64 |
| 113 | $2.022,62 | $529,77 | $1.492,85 | $275.072,87 |
| 114 | $2.022,62 | $532,64 | $1.489,98 | $274.540,23 |
| 115 | $2.022,62 | $535,53 | $1.487,09 | $274.004,70 |
| 116 | $2.022,62 | $538,43 | $1.484,19 | $273.466,27 |
| 117 | $2.022,62 | $541,34 | $1.481,28 | $272.924,93 |
| 118 | $2.022,62 | $544,28 | $1.478,34 | $272.380,65 |
| 119 | $2.022,62 | $547,22 | $1.475,40 | $271.833,43 |
| 120 | $2.022,62 | $550,19 | $1.472,43 | $271.283,24 |
| 121 | $2.022,62 | $553,17 | $1.469,45 | $270.730,07 |
| 122 | $2.022,62 | $556,17 | $1.466,45 | $270.173,90 |
| 123 | $2.022,62 | $559,18 | $1.463,44 | $269.614,72 |
| 124 | $2.022,62 | $562,21 | $1.460,41 | $269.052,51 |
| 125 | $2.022,62 | $565,25 | $1.457,37 | $268.487,26 |
| 126 | $2.022,62 | $568,31 | $1.454,31 | $267.918,95 |
| 127 | $2.022,62 | $571,39 | $1.451,23 | $267.347,56 |
| 128 | $2.022,62 | $574,49 | $1.448,13 | $266.773,07 |
| 129 | $2.022,62 | $577,60 | $1.445,02 | $266.195,47 |
| 130 | $2.022,62 | $580,73 | $1.441,89 | $265.614,74 |
| 131 | $2.022,62 | $583,87 | $1.438,75 | $265.030,87 |
| 132 | $2.022,62 | $587,04 | $1.435,58 | $264.443,83 |
| 133 | $2.022,62 | $590,22 | $1.432,40 | $263.853,61 |
| 134 | $2.022,62 | $593,41 | $1.429,21 | $263.260,20 |
| 135 | $2.022,62 | $596,63 | $1.425,99 | $262.663,57 |
| 136 | $2.022,62 | $599,86 | $1.422,76 | $262.063,71 |
| 137 | $2.022,62 | $603,11 | $1.419,51 | $261.460,60 |
| 138 | $2.022,62 | $606,38 | $1.416,24 | $260.854,22 |
| 139 | $2.022,62 | $609,66 | $1.412,96 | $260.244,56 |
| 140 | $2.022,62 | $612,96 | $1.409,66 | $259.631,60 |
| 141 | $2.022,62 | $616,28 | $1.406,34 | $259.015,32 |
| 142 | $2.022,62 | $619,62 | $1.403,00 | $258.395,70 |
| 143 | $2.022,62 | $622,98 | $1.399,64 | $257.772,72 |
| 144 | $2.022,62 | $626,35 | $1.396,27 | $257.146,37 |
| 145 | $2.022,62 | $629,74 | $1.392,88 | $256.516,63 |
| 146 | $2.022,62 | $633,15 | $1.389,47 | $255.883,48 |
| 147 | $2.022,62 | $636,58 | $1.386,04 | $255.246,90 |
| 148 | $2.022,62 | $640,03 | $1.382,59 | $254.606,87 |
| 149 | $2.022,62 | $643,50 | $1.379,12 | $253.963,37 |
| 150 | $2.022,62 | $646,99 | $1.375,63 | $253.316,38 |
| 151 | $2.022,62 | $650,49 | $1.372,13 | $252.665,89 |
| 152 | $2.022,62 | $654,01 | $1.368,61 | $252.011,88 |
| 153 | $2.022,62 | $657,56 | $1.365,06 | $251.354,32 |
| 154 | $2.022,62 | $661,12 | $1.361,50 | $250.693,20 |
| 155 | $2.022,62 | $664,70 | $1.357,92 | $250.028,50 |
| 156 | $2.022,62 | $668,30 | $1.354,32 | $249.360,20 |
| 157 | $2.022,62 | $671,92 | $1.350,70 | $248.688,28 |
| 158 | $2.022,62 | $675,56 | $1.347,06 | $248.012,72 |
| 159 | $2.022,62 | $679,22 | $1.343,40 | $247.333,50 |
| 160 | $2.022,62 | $682,90 | $1.339,72 | $246.650,60 |
| 161 | $2.022,62 | $686,60 | $1.336,02 | $245.964,00 |
| 162 | $2.022,62 | $690,31 | $1.332,31 | $245.273,69 |
| 163 | $2.022,62 | $694,05 | $1.328,57 | $244.579,64 |
| 164 | $2.022,62 | $697,81 | $1.324,81 | $243.881,83 |
| 165 | $2.022,62 | $701,59 | $1.321,03 | $243.180,24 |
| 166 | $2.022,62 | $705,39 | $1.317,23 | $242.474,85 |
| 167 | $2.022,62 | $709,21 | $1.313,41 | $241.765,64 |
| 168 | $2.022,62 | $713,06 | $1.309,56 | $241.052,58 |
| 169 | $2.022,62 | $716,92 | $1.305,70 | $240.335,66 |
| 170 | $2.022,62 | $720,80 | $1.301,82 | $239.614,86 |
| 171 | $2.022,62 | $724,71 | $1.297,91 | $238.890,15 |
| 172 | $2.022,62 | $728,63 | $1.293,99 | $238.161,52 |
| 173 | $2.022,62 | $732,58 | $1.290,04 | $237.428,94 |
| 174 | $2.022,62 | $736,55 | $1.286,07 | $236.692,39 |
| 175 | $2.022,62 | $740,54 | $1.282,08 | $235.951,85 |
| 176 | $2.022,62 | $744,55 | $1.278,07 | $235.207,30 |
| 177 | $2.022,62 | $748,58 | $1.274,04 | $234.458,72 |
| 178 | $2.022,62 | $752,64 | $1.269,98 | $233.706,08 |
| 179 | $2.022,62 | $756,71 | $1.265,91 | $232.949,37 |
| 180 | $2.022,62 | $760,81 | $1.261,81 | $232.188,56 |
| 181 | $2.022,62 | $764,93 | $1.257,69 | $231.423,63 |
| 182 | $2.022,62 | $769,08 | $1.253,54 | $230.654,55 |
| 183 | $2.022,62 | $773,24 | $1.249,38 | $229.881,31 |
| 184 | $2.022,62 | $777,43 | $1.245,19 | $229.103,88 |
| 185 | $2.022,62 | $781,64 | $1.240,98 | $228.322,24 |
| 186 | $2.022,62 | $785,87 | $1.236,75 | $227.536,37 |
| 187 | $2.022,62 | $790,13 | $1.232,49 | $226.746,24 |
| 188 | $2.022,62 | $794,41 | $1.228,21 | $225.951,83 |
| 189 | $2.022,62 | $798,71 | $1.223,91 | $225.153,12 |
| 190 | $2.022,62 | $803,04 | $1.219,58 | $224.350,08 |
| 191 | $2.022,62 | $807,39 | $1.215,23 | $223.542,69 |
| 192 | $2.022,62 | $811,76 | $1.210,86 | $222.730,93 |
| 193 | $2.022,62 | $816,16 | $1.206,46 | $221.914,77 |
| 194 | $2.022,62 | $820,58 | $1.202,04 | $221.094,19 |
| 195 | $2.022,62 | $825,03 | $1.197,59 | $220.269,16 |
| 196 | $2.022,62 | $829,50 | $1.193,12 | $219.439,66 |
| 197 | $2.022,62 | $833,99 | $1.188,63 | $218.605,67 |
| 198 | $2.022,62 | $838,51 | $1.184,11 | $217.767,16 |
| 199 | $2.022,62 | $843,05 | $1.179,57 | $216.924,11 |
| 200 | $2.022,62 | $847,61 | $1.175,01 | $216.076,50 |
| 201 | $2.022,62 | $852,21 | $1.170,41 | $215.224,29 |
| 202 | $2.022,62 | $856,82 | $1.165,80 | $214.367,47 |
| 203 | $2.022,62 | $861,46 | $1.161,16 | $213.506,01 |
| 204 | $2.022,62 | $866,13 | $1.156,49 | $212.639,88 |
| 205 | $2.022,62 | $870,82 | $1.151,80 | $211.769,06 |
| 206 | $2.022,62 | $875,54 | $1.147,08 | $210.893,52 |
| 207 | $2.022,62 | $880,28 | $1.142,34 | $210.013,24 |
| 208 | $2.022,62 | $885,05 | $1.137,57 | $209.128,19 |
| 209 | $2.022,62 | $889,84 | $1.132,78 | $208.238,35 |
| 210 | $2.022,62 | $894,66 | $1.127,96 | $207.343,69 |
| 211 | $2.022,62 | $899,51 | $1.123,11 | $206.444,18 |
| 212 | $2.022,62 | $904,38 | $1.118,24 | $205.539,80 |
| 213 | $2.022,62 | $909,28 | $1.113,34 | $204.630,52 |
| 214 | $2.022,62 | $914,20 | $1.108,42 | $203.716,32 |
| 215 | $2.022,62 | $919,16 | $1.103,46 | $202.797,16 |
| 216 | $2.022,62 | $924,14 | $1.098,48 | $201.873,02 |
| 217 | $2.022,62 | $929,14 | $1.093,48 | $200.943,88 |
| 218 | $2.022,62 | $934,17 | $1.088,45 | $200.009,71 |
| 219 | $2.022,62 | $939,23 | $1.083,39 | $199.070,48 |
| 220 | $2.022,62 | $944,32 | $1.078,30 | $198.126,16 |
| 221 | $2.022,62 | $949,44 | $1.073,18 | $197.176,72 |
| 222 | $2.022,62 | $954,58 | $1.068,04 | $196.222,14 |
| 223 | $2.022,62 | $959,75 | $1.062,87 | $195.262,39 |
| 224 | $2.022,62 | $964,95 | $1.057,67 | $194.297,44 |
| 225 | $2.022,62 | $970,18 | $1.052,44 | $193.327,26 |
| 226 | $2.022,62 | $975,43 | $1.047,19 | $192.351,83 |
| 227 | $2.022,62 | $980,71 | $1.041,91 | $191.371,12 |
| 228 | $2.022,62 | $986,03 | $1.036,59 | $190.385,09 |
| 229 | $2.022,62 | $991,37 | $1.031,25 | $189.393,72 |
| 230 | $2.022,62 | $996,74 | $1.025,88 | $188.396,98 |
| 231 | $2.022,62 | $1.002,14 | $1.020,48 | $187.394,84 |
| 232 | $2.022,62 | $1.007,56 | $1.015,06 | $186.387,28 |
| 233 | $2.022,62 | $1.013,02 | $1.009,60 | $185.374,26 |
| 234 | $2.022,62 | $1.018,51 | $1.004,11 | $184.355,75 |
| 235 | $2.022,62 | $1.024,03 | $998,59 | $183.331,72 |
| 236 | $2.022,62 | $1.029,57 | $993,05 | $182.302,15 |
| 237 | $2.022,62 | $1.035,15 | $987,47 | $181.267,00 |
| 238 | $2.022,62 | $1.040,76 | $981,86 | $180.226,24 |
| 239 | $2.022,62 | $1.046,39 | $976,23 | $179.179,85 |
| 240 | $2.022,62 | $1.052,06 | $970,56 | $178.127,79 |
| 241 | $2.022,62 | $1.057,76 | $964,86 | $177.070,03 |
| 242 | $2.022,62 | $1.063,49 | $959,13 | $176.006,54 |
| 243 | $2.022,62 | $1.069,25 | $953,37 | $174.937,29 |
| 244 | $2.022,62 | $1.075,04 | $947,58 | $173.862,25 |
| 245 | $2.022,62 | $1.080,87 | $941,75 | $172.781,38 |
| 246 | $2.022,62 | $1.086,72 | $935,90 | $171.694,66 |
| 247 | $2.022,62 | $1.092,61 | $930,01 | $170.602,05 |
| 248 | $2.022,62 | $1.098,53 | $924,09 | $169.503,52 |
| 249 | $2.022,62 | $1.104,48 | $918,14 | $168.399,04 |
| 250 | $2.022,62 | $1.110,46 | $912,16 | $167.288,58 |
| 251 | $2.022,62 | $1.116,47 | $906,15 | $166.172,11 |
| 252 | $2.022,62 | $1.122,52 | $900,10 | $165.049,59 |
| 253 | $2.022,62 | $1.128,60 | $894,02 | $163.920,99 |
| 254 | $2.022,62 | $1.134,71 | $887,91 | $162.786,28 |
| 255 | $2.022,62 | $1.140,86 | $881,76 | $161.645,42 |
| 256 | $2.022,62 | $1.147,04 | $875,58 | $160.498,38 |
| 257 | $2.022,62 | $1.153,25 | $869,37 | $159.345,13 |
| 258 | $2.022,62 | $1.159,50 | $863,12 | $158.185,63 |
| 259 | $2.022,62 | $1.165,78 | $856,84 | $157.019,85 |
| 260 | $2.022,62 | $1.172,10 | $850,52 | $155.847,75 |
| 261 | $2.022,62 | $1.178,44 | $844,18 | $154.669,31 |
| 262 | $2.022,62 | $1.184,83 | $837,79 | $153.484,48 |
| 263 | $2.022,62 | $1.191,25 | $831,37 | $152.293,23 |
| 264 | $2.022,62 | $1.197,70 | $824,92 | $151.095,53 |
| 265 | $2.022,62 | $1.204,19 | $818,43 | $149.891,34 |
| 266 | $2.022,62 | $1.210,71 | $811,91 | $148.680,63 |
| 267 | $2.022,62 | $1.217,27 | $805,35 | $147.463,36 |
| 268 | $2.022,62 | $1.223,86 | $798,76 | $146.239,50 |
| 269 | $2.022,62 | $1.230,49 | $792,13 | $145.009,01 |
| 270 | $2.022,62 | $1.237,15 | $785,47 | $143.771,86 |
| 271 | $2.022,62 | $1.243,86 | $778,76 | $142.528,00 |
| 272 | $2.022,62 | $1.250,59 | $772,03 | $141.277,41 |
| 273 | $2.022,62 | $1.257,37 | $765,25 | $140.020,04 |
| 274 | $2.022,62 | $1.264,18 | $758,44 | $138.755,86 |
| 275 | $2.022,62 | $1.271,03 | $751,59 | $137.484,83 |
| 276 | $2.022,62 | $1.277,91 | $744,71 | $136.206,92 |
| 277 | $2.022,62 | $1.284,83 | $737,79 | $134.922,09 |
| 278 | $2.022,62 | $1.291,79 | $730,83 | $133.630,30 |
| 279 | $2.022,62 | $1.298,79 | $723,83 | $132.331,51 |
| 280 | $2.022,62 | $1.305,82 | $716,80 | $131.025,69 |
| 281 | $2.022,62 | $1.312,90 | $709,72 | $129.712,79 |
| 282 | $2.022,62 | $1.320,01 | $702,61 | $128.392,78 |
| 283 | $2.022,62 | $1.327,16 | $695,46 | $127.065,62 |
| 284 | $2.022,62 | $1.334,35 | $688,27 | $125.731,27 |
| 285 | $2.022,62 | $1.341,58 | $681,04 | $124.389,69 |
| 286 | $2.022,62 | $1.348,84 | $673,78 | $123.040,85 |
| 287 | $2.022,62 | $1.356,15 | $666,47 | $121.684,70 |
| 288 | $2.022,62 | $1.363,49 | $659,13 | $120.321,21 |
| 289 | $2.022,62 | $1.370,88 | $651,74 | $118.950,33 |
| 290 | $2.022,62 | $1.378,31 | $644,31 | $117.572,02 |
| 291 | $2.022,62 | $1.385,77 | $636,85 | $116.186,25 |
| 292 | $2.022,62 | $1.393,28 | $629,34 | $114.792,97 |
| 293 | $2.022,62 | $1.400,82 | $621,80 | $113.392,15 |
| 294 | $2.022,62 | $1.408,41 | $614,21 | $111.983,74 |
| 295 | $2.022,62 | $1.416,04 | $606,58 | $110.567,70 |
| 296 | $2.022,62 | $1.423,71 | $598,91 | $109.143,99 |
| 297 | $2.022,62 | $1.431,42 | $591,20 | $107.712,57 |
| 298 | $2.022,62 | $1.439,18 | $583,44 | $106.273,39 |
| 299 | $2.022,62 | $1.446,97 | $575,65 | $104.826,42 |
| 300 | $2.022,62 | $1.454,81 | $567,81 | $103.371,61 |
| 301 | $2.022,62 | $1.462,69 | $559,93 | $101.908,92 |
| 302 | $2.022,62 | $1.470,61 | $552,01 | $100.438,31 |
| 303 | $2.022,62 | $1.478,58 | $544,04 | $98.959,73 |
| 304 | $2.022,62 | $1.486,59 | $536,03 | $97.473,14 |
| 305 | $2.022,62 | $1.494,64 | $527,98 | $95.978,50 |
| 306 | $2.022,62 | $1.502,74 | $519,88 | $94.475,76 |
| 307 | $2.022,62 | $1.510,88 | $511,74 | $92.964,88 |
| 308 | $2.022,62 | $1.519,06 | $503,56 | $91.445,82 |
| 309 | $2.022,62 | $1.527,29 | $495,33 | $89.918,53 |
| 310 | $2.022,62 | $1.535,56 | $487,06 | $88.382,97 |
| 311 | $2.022,62 | $1.543,88 | $478,74 | $86.839,09 |
| 312 | $2.022,62 | $1.552,24 | $470,38 | $85.286,85 |
| 313 | $2.022,62 | $1.560,65 | $461,97 | $83.726,20 |
| 314 | $2.022,62 | $1.569,10 | $453,52 | $82.157,10 |
| 315 | $2.022,62 | $1.577,60 | $445,02 | $80.579,50 |
| 316 | $2.022,62 | $1.586,15 | $436,47 | $78.993,35 |
| 317 | $2.022,62 | $1.594,74 | $427,88 | $77.398,61 |
| 318 | $2.022,62 | $1.603,38 | $419,24 | $75.795,23 |
| 319 | $2.022,62 | $1.612,06 | $410,56 | $74.183,17 |
| 320 | $2.022,62 | $1.620,79 | $401,83 | $72.562,38 |
| 321 | $2.022,62 | $1.629,57 | $393,05 | $70.932,81 |
| 322 | $2.022,62 | $1.638,40 | $384,22 | $69.294,41 |
| 323 | $2.022,62 | $1.647,28 | $375,34 | $67.647,13 |
| 324 | $2.022,62 | $1.656,20 | $366,42 | $65.990,93 |
| 325 | $2.022,62 | $1.665,17 | $357,45 | $64.325,76 |
| 326 | $2.022,62 | $1.674,19 | $348,43 | $62.651,57 |
| 327 | $2.022,62 | $1.683,26 | $339,36 | $60.968,31 |
| 328 | $2.022,62 | $1.692,37 | $330,25 | $59.275,94 |
| 329 | $2.022,62 | $1.701,54 | $321,08 | $57.574,40 |
| 330 | $2.022,62 | $1.710,76 | $311,86 | $55.863,64 |
| 331 | $2.022,62 | $1.720,03 | $302,59 | $54.143,61 |
| 332 | $2.022,62 | $1.729,34 | $293,28 | $52.414,27 |
| 333 | $2.022,62 | $1.738,71 | $283,91 | $50.675,56 |
| 334 | $2.022,62 | $1.748,13 | $274,49 | $48.927,43 |
| 335 | $2.022,62 | $1.757,60 | $265,02 | $47.169,83 |
| 336 | $2.022,62 | $1.767,12 | $255,50 | $45.402,71 |
| 337 | $2.022,62 | $1.776,69 | $245,93 | $43.626,02 |
| 338 | $2.022,62 | $1.786,31 | $236,31 | $41.839,71 |
| 339 | $2.022,62 | $1.795,99 | $226,63 | $40.043,72 |
| 340 | $2.022,62 | $1.805,72 | $216,90 | $38.238,00 |
| 341 | $2.022,62 | $1.815,50 | $207,12 | $36.422,50 |
| 342 | $2.022,62 | $1.825,33 | $197,29 | $34.597,17 |
| 343 | $2.022,62 | $1.835,22 | $187,40 | $32.761,95 |
| 344 | $2.022,62 | $1.845,16 | $177,46 | $30.916,79 |
| 345 | $2.022,62 | $1.855,15 | $167,47 | $29.061,64 |
| 346 | $2.022,62 | $1.865,20 | $157,42 | $27.196,44 |
| 347 | $2.022,62 | $1.875,31 | $147,31 | $25.321,13 |
| 348 | $2.022,62 | $1.885,46 | $137,16 | $23.435,67 |
| 349 | $2.022,62 | $1.895,68 | $126,94 | $21.539,99 |
| 350 | $2.022,62 | $1.905,95 | $116,67 | $19.634,04 |
| 351 | $2.022,62 | $1.916,27 | $106,35 | $17.717,77 |
| 352 | $2.022,62 | $1.926,65 | $95,97 | $15.791,12 |
| 353 | $2.022,62 | $1.937,08 | $85,54 | $13.854,04 |
| 354 | $2.022,62 | $1.947,58 | $75,04 | $11.906,46 |
| 355 | $2.022,62 | $1.958,13 | $64,49 | $9.948,33 |
| 356 | $2.022,62 | $1.968,73 | $53,89 | $7.979,60 |
| 357 | $2.022,62 | $1.979,40 | $43,22 | $6.000,20 |
| 358 | $2.022,62 | $1.990,12 | $32,50 | $4.010,08 |
| 359 | $2.022,62 | $2.000,90 | $21,72 | $2.009,18 |
| 360 | $2.020,06 | $2.009,18 | $10,88 | $0,00 |
Cara menggunakan kalkulator KPR
Masukkan harga rumah, uang muka dalam persen, suku bunga yang ditawarkan bank, dan tenor pinjaman. Buka Pajak, asuransi, PMI & pelunasan tambahan untuk menambahkan biaya yang biasanya ditagih bersama angsuran melalui escrow. Jadwal angsuran per tahun di bawah hasil perhitungan menunjukkan sisa pinjaman setiap akhir tahun.
Rumus angsuran KPR
Bagian pokok dan bunga adalah jumlah tetap yang dihitung dengan rumus anuitas standar:
M = P × r(1 + r)n ÷ ((1 + r)n − 1)
dengan P = jumlah pinjaman, r = suku bunga bulanan (bunga tahunan ÷ 12), dan n = jumlah angsuran. Angsuran awal sebagian besar berupa bunga; seiring turunnya sisa pinjaman, porsi pokok dalam setiap angsuran makin besar – pergeseran ini terlihat jelas pada grafik di atas.
Cara menekan biaya KPR
- Bayar uang muka 20% agar terhindar dari PMI dan meminjam lebih sedikit.
- Perbaiki skor kredit sebelum mengajukan – selisih bunga 0,25% saja sudah menghemat ribuan.
- Pilih tenor lebih pendek jika angsurannya masih sesuai anggaran.
- Lakukan pelunasan pokok tambahan – coba tambahkan sedikit setiap bulan di atas.
- Bandingkan beberapa bank dan lihat bunga efektif tahunan (APR), bukan hanya suku bunganya.
Kalkulator ini memberikan perkiraan untuk tujuan edukasi. Angsuran sebenarnya bergantung pada bank, pajak setempat, dan asuransi.
Pertanyaan umum
Apa saja yang termasuk dalam angsuran KPR bulanan?
Sebagian besar angsuran terdiri atas pokok dan bunga, ditambah dana escrow untuk pajak properti dan asuransi rumah. Di Amerika Serikat, jika uang muka di bawah 20%, biasanya Anda juga membayar asuransi hipotek swasta (PMI), dan sebagian properti memungut iuran pengelolaan lingkungan (HOA).
Bagaimana cara menghitung angsuran pokok dan bunga per bulan?
Gunakan rumus anuitas standar M = P × r(1+r)^n / ((1+r)^n − 1), dengan P = jumlah pinjaman, r = suku bunga bulanan (bunga tahunan ÷ 12), dan n = jumlah angsuran bulanan.
Kapan PMI berhenti dibayar?
Untuk sebagian besar KPR konvensional di AS, Homeowners Protection Act mengizinkan Anda meminta bank menghentikan PMI setelah sisa pinjaman mencapai 80% dari nilai awal rumah (harga beli atau nilai taksiran, mana yang lebih rendah), asalkan pembayaran Anda lancar dan syarat bank terpenuhi. Bank wajib menghentikannya otomatis saat sisa pinjaman sesuai jadwal mencapai 78%. Kalkulator ini menganggap PMI berakhir pada bulan pertama sisa pinjaman mencapai 80% dari harga beli (termasuk pelunasan tambahan), artinya Anda mengajukan penghentian. Asuransi hipotek FHA (MIP) punya aturan berbeda – gunakan kalkulator pinjaman FHA kami.
Apakah pelunasan tambahan benar-benar menghemat uang?
Ya. Setiap rupiah atau dolar tambahan langsung mengurangi pokok pinjaman, sehingga bunga bulan-bulan berikutnya lebih kecil. Tambahan kecil setiap bulan pun bisa memangkas bertahun-tahun dari KPR 30 tahun – isi kolom “Pelunasan tambahan per bulan” untuk melihat penghematannya.
Lebih baik KPR 15 tahun atau 30 tahun?
Tenor 15 tahun membuat angsuran bulanan lebih besar, tetapi suku bunganya biasanya lebih rendah dan total bunganya jauh lebih kecil. Tenor 30 tahun memberi angsuran lebih ringan dan lebih banyak keleluasaan. Bandingkan keduanya dengan mengubah tenor di atas.
Beri penilaian untuk Kalkulator KPR
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.