Deposito Calculator — Indonesia
Calculate your fixed-deposit maturity value and interest in IDR at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
Fixed deposit rates in Indonesia (2026)
Deposito rates ≈ 4.5–5.5% p.a. at major banks. LPS guarantee rate (Oct 2025): 4.00% for conventional, 6.25% for rural banks.
At around 2.5%, the fixed-deposit rate in Indonesia is on the low side by international standards.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every Rp 200.000.000 deposited at 2.50% for 5 years (quarterly compounding):
- Maturity value: Rp 226.541.548
- Interest earned: Rp 26.541.548
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Indonesia
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
A real-data rate check: fixed deposit (deposito) rates in Indonesia (2026)
Generic fixed-deposit calculators often default to a round, optimistic figure like 5.2% for a 12-month IDR deposito. That number is well above what Indonesia's largest retail banks actually pay a general depositor in 2026. According to a rate roundup published by Industry.co.id on September 8, 2026, published 12-month rupiah deposito rates (for balances under Rp2 billion) were: Bank Central Asia (BCA) at 3.00% per year, and Bank Mandiri, Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), and Bank Tabungan Negara (BTN) all at 2.50% per year for the 12-month tenor. That is roughly half of the old 5.2% assumption.
Context matters here: Indonesia's Deposit Insurance Corporation, Lembaga Penjamin Simpanan (LPS), sets a guarantee-rate ceiling that effectively caps how high banks will price ordinary deposito products, since any rate offered above the ceiling loses the government deposit guarantee. Per LPS announcement PENG-1/DSPS/2026, reported by Infobanknews on May 29, 2026, the guarantee ceiling for rupiah deposits at commercial banks (bank umum) was held at 3.50% for the period June 1 through September 30, 2026 (with 2.00% for foreign-currency deposits and 6.00% for rural banks/BPR). Big banks like BCA, Mandiri, BRI, and BNI typically price their standard 12-month IDR deposito noticeably below this ceiling, reserving near-ceiling rates for large, negotiated, or promotional placements rather than the general public.
A more realistic example: with Rp100,000,000 placed in a 12-month deposito at a representative general-public rate of 2.5% per year (compounded once at maturity, n=1), using A = P(1+r/n)^(nt): after 1 year, A = 100,000,000 × (1.025)^1 = Rp102,500,000 — interest of Rp2,500,000. Rolled over for 3 years at the same rate, A = 100,000,000 × (1.025)^3 = Rp107,689,062.50 — cumulative interest of about Rp7,689,062.50, versus the roughly Rp16,400,000 the old 5.2% assumption would have implied over the same 3 years.
Frequently Asked Questions
How is FD maturity calculated in Indonesia?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Indonesia?
As a 2026 reference, fixed-deposit rates are around 2.5% per year, varying by bank and tenure. Deposito rates ≈ 4.5–5.5% p.a. at major banks. LPS guarantee rate (Oct 2025): 4.00% for conventional, 6.25% for rural banks.
Is FD interest taxable in Indonesia?
In Indonesia, bank deposit interest is subject to a 20% final withholding tax (Income Tax Article 4(2)) deducted automatically by the bank — no further reporting is required.
Is a fixed deposit safe in Indonesia?
Fixed deposits carry no market risk. In Indonesia, bank deposits are protected by LPS (Lembaga Penjamin Simpanan / Indonesia Deposit Insurance Corporation) up to IDR 2,000,000,000 per depositor, per bank — but only if the deposit's interest rate does not exceed LPS's published maximum guaranteed rate for that period. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Indonesia?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
What 12-month deposito interest rate do Indonesian banks actually offer in 2026?
As of a September 8, 2026 rate roundup, Bank Central Asia (BCA) offered 3.00% per year on a standard 12-month rupiah deposito, while Bank Mandiri, BRI, BNI, and BTN offered 2.50% per year — well below older assumptions of around 5%.
Why isn't the interest rate closer to the LPS guarantee ceiling of 3.5%?
LPS sets 3.50% as the maximum rate (for rupiah deposits at commercial banks, per announcement PENG-1/DSPS/2026 covering June-September 2026) that still qualifies for the deposit guarantee. Large banks generally price their everyday, general-public deposito rates below this ceiling; only smaller banks, digital banks, or special/promotional offers tend to price near or at the ceiling.
How much interest would I actually earn on a Rp100 million, 12-month deposito?
At a realistic 2.5% annual rate compounded once at maturity, Rp100,000,000 grows to Rp102,500,000 after one year (Rp2,500,000 in interest), using A = P(1+r/n)^(nt) with n=1 and t=1.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
Industry.co.id (September 8, 2026): 12-month IDR deposito rate comparison for BRI, BNI, Mandiri, BCA, BTN and digital banks. Infobanknews (May 29, 2026), citing LPS announcement PENG-1/DSPS/2026: LPS maintains the 3.50% guarantee-rate ceiling for rupiah deposits at commercial banks. See our methodology and editorial policy for how we source and update this data.