Reksa Dana Calculator — Indonesia
See how a monthly reksa dana (mutual fund) investment grows over time at Indonesia's historical equity returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero to see results.
Expected long-term returns
| Asset | Long-term return | Notes |
|---|---|---|
| Equity reksa dana (IHSG) | ≈ 9–11% p.a. | Long-term historical average |
| Sharia equity (saham syariah) | ≈ 9–11% | Shariah-screened |
| Mixed / balanced funds | ≈ 7–9% | Lower volatility |
| Money-market funds | ≈ 4–6% | Capital-stable |
Returns are historical averages, not guarantees. Markets fall as well as rise; invest for the long term and diversify.
Where to invest
- Bibit — beginner-friendly robo-advisor for reksa dana
- Bareksa — large marketplace, many fund managers
- Ajaib — stocks and reksa dana in one app
- Bank/manager platforms — BNI, Mandiri, Schroders, BNP Paribas funds; sharia options widely available
Worked example — the power of compounding
Example: Rp1,000,000/month for 15 years at 10% p.a.
- Future value: Rp417,924,266
- Total invested: Rp180,000,000
- Estimated gains from compounding: Rp237,924,266
That's roughly 2.3× your money — most of it from compounding, not contributions. Starting earlier matters more than investing more.
Tips for reksa dana investing
- Start from as little as Rp 10,000–100,000 per month on apps like Bibit or Bareksa.
- Use auto-debit monthly for discipline and rupiah-cost averaging.
- Saham syariah (Shariah-compliant) funds are widely available.
A real-data rate check: long-term investment returns in Indonesia (2026)
Indonesia's benchmark Jakarta Composite Index (IHSG) closed 2025 at 8,646.94, up 22.13% for the year (30 December 2025 close) — its best annual gain in a decade. Equity mutual funds (reksadana saham) tracked this rally closely: Bareksa's year-end review reported the equity-fund index up 22.04% in 2025, with individual funds ranging from roughly 32.9% (Simas Syariah Unggulan) to 56.82% (Sucorinvest Maxi Fund).
2025 was an unusually strong year, so it should not be used as a default assumption for a monthly SIP calculator. Longer-run data from platforms like Bibit shows that a 10-year run of consistent monthly investing (2015-2025, using BBCA shares as a proxy) produced a cumulative total return of about 116%, which works out to roughly an 8% annualized rate — a more sober baseline than any single hot year. Blending the exceptional 2025 print with this longer, choppier 10-year history, a realistic long-term planning rate for a diversified reksadana saham SIP is in the 10-12% per year range.
A more realistic example: investing Rp1,000,000 per month for 10 years (120 months) at a 12% annual return (using FV = P × [((1+r)^n - 1)/r] × (1+r)) grows to about Rp232,339,000. Of that, Rp120,000,000 is your own contributed capital and roughly Rp112,339,000 is investment growth — a healthy outcome, but well short of what a naive 22%-per-year extrapolation from 2025 alone would suggest.
Frequently Asked Questions
How does reksa dana investing work in Indonesia?
You invest a fixed amount each month into a mutual fund (reksa dana). The fund buys a diversified portfolio, and your returns compound over time. Monthly investing smooths out market ups and downs.
What return can I expect?
The IHSG (Jakarta index) has historically returned about 9–11% per year over the long term. Mixed funds are steadier at 7–9%, money-market funds around 4–6%.
What is the minimum investment?
Apps like Bibit, Bareksa and Ajaib let you start from roughly Rp 10,000–100,000 per month, so you can begin small and increase later.
Are Shariah-compliant funds available?
Yes. Saham syariah and sharia money-market reksa dana are widely offered and screened to avoid non-compliant sectors and interest-based holdings.
Is reksa dana safe?
Equity funds carry market risk and can fall in any given year, but are diversified and regulated by OJK. Money-market reksa dana are much steadier. Match the fund type to your time horizon.
Are reksa dana returns taxed in Indonesia?
Mutual fund (reksa dana) investment returns are not taxable in Indonesia — a notable exception to how bank deposit interest is treated (which is subject to a 20% final withholding tax).
Is 22% a realistic annual return to assume for my SIP calculator?
No. The IHSG's 22.13% gain in 2025 (IDX data, close of 8,646.94 on 30 December 2025) was the best year in a decade, not a typical one. For planning purposes, a lower, blended long-term rate of around 10-12% per year is more realistic for a diversified Indonesian equity mutual fund (reksadana saham) SIP.
What returns have top Indonesian equity mutual funds actually delivered?
Per Bareksa's 2025 year-end roundup (published 31 December 2025), the average equity-fund index rose 22.04% in 2025, with top individual funds such as Sucorinvest Maxi Fund (56.82%) and Simas Syariah Unggulan (32.90%) outperforming. These are single-year, fund-specific figures and can vary sharply year to year, so they should be treated as a ceiling, not a default assumption.
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Sources
Databoks/Katadata, sourced from IDX data (published 31 December 2025): JCI (IHSG) rises 22.13% in 2025, closing at 8,646.94. Bareksa (published 31 December 2025): Reksadana Terbaik 2025 Berdasarkan Return. See our methodology and editorial policy for how we source and update this data.