Your first Indonesian payslip will show a handful of deductions with acronyms — JHT, JP, BPJS Kes — plus PPh 21. Here is what each one is, using a Rp7,000,000 monthly salary as the example.
What comes off your salary
| Item | Amount |
|---|---|
| Gross salary | Rp7,000,000 |
| JHT — old-age savings (2%) | − Rp140,000 |
| JP — pension (1%) | − Rp70,000 |
| BPJS Kesehatan — health (1%) | − Rp70,000 |
| PPh 21 (TER 1.25%, single) | − Rp91,472 |
| Take-home pay | Rp6,628,528 |
What your employer pays on top
Your employer adds another Rp716,800 a month that you never see: Rp259,000 to your JHT, Rp140,000 to your JP, Rp280,000 for BPJS Kesehatan, and small premiums for work-accident (JKK) and death (JKM) cover. Some of this — the JKK, JKM and health premiums — is counted as your income for PPh 21, which is why the tax is worked out on Rp7,317,800 rather than Rp7,000,000.
Check every BPJS line for your salary.
Use the BPJS Calculator →What you get for it
- JHT is your money. It grows with investment returns and you can claim the whole balance when you leave a job, retire, or leave Indonesia for good.
- JP pays a monthly pension from pension age (59 in 2026) if you contribute for 15 years; otherwise you get a lump sum.
- BPJS Kesehatan covers you, your spouse and up to three children for health care through the national JKN scheme.
- JKK, JKM and JKP protect you against work accidents, provide for your family if you die, and pay 60% of wage for six months if you lose your job.
Three things to check
- Download the JMO app and confirm your employer's contributions are actually arriving each month.
- Make sure your family members are registered on your BPJS Kesehatan card.
- If you earn more than Rp11,086,300, JP stops at Rp110,863; above Rp12 million, BPJS Kesehatan stops at Rp120,000. Bigger deductions mean a payroll error.
For withdrawal rules and the 2026 changes, see the full BPJS guide.
Frequently asked questions
How much BPJS is deducted from salary?
About 4% for most employees: 2% JHT, 1% JP and 1% BPJS Kesehatan, with caps on JP and Kesehatan for higher earners.
Can I get my BPJS money back when I quit?
Your JHT balance, yes — it can be claimed after resigning. JP becomes a lump sum or pension later, and Kesehatan is insurance, so it is not refundable.