100% Gratis • Tabel Amortisasi & CSV • Tanpa Iklan
Kalkulator Pinjaman & Kredit
Hitung angsuran bulanan, total bunga, dan jadwal amortisasi dengan simulasi pembayaran ekstra.
Mata Uang:
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Kredit Pemilikan Rumah (KPR)
Standard residential home mortgage with fixed-rate amortization schedule.
$
$10,000.00$3,000,000.00
%
0.5%15.0%30.0%
Tahun
Bulan
1 Tahun40 Tahun
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Angsuran BulananBunga Tetap
$2,212.24
Total Pokok$350,000.00
Total Bunga$446,404.05
Total Pengembalian$796,404.05
Tanggal LunasSep 2056
Pokok (43.9%)Bunga (56.1%)
Tips Keuangan
Membayar pokok pinjaman ekstra secara langsung akan memotong akumulasi bunga majemuk secara signifikan.
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Tabel Jadwal Amortisasi
Rincian angsuran pokok, porsi bunga yang dibayar, dan sisa saldo pinjaman.
| Tahun | Saldo Awal | Pokok Dibayar | Bunga Dibayar | Total Angsuran | Sisa Saldo | Akumulasi Bunga |
|---|---|---|---|---|---|---|
| 2026 | $350,000.00 | $3,912.07 | $22,634.81 | $26,546.88 | $346,087.93 | $22,634.81 |
| 2027 | $346,087.93 | $4,174.08 | $22,372.80 | $26,546.88 | $341,913.85 | $45,007.61 |
| 2028 | $341,913.85 | $4,453.60 | $22,093.28 | $26,546.88 | $337,460.25 | $67,100.89 |
| 2029 | $337,460.25 | $4,751.87 | $21,795.01 | $26,546.88 | $332,708.38 | $88,895.90 |
| 2030 | $332,708.38 | $5,070.12 | $21,476.76 | $26,546.88 | $327,638.26 | $110,372.66 |
| 2031 | $327,638.26 | $5,409.67 | $21,137.21 | $26,546.88 | $322,228.59 | $131,509.87 |
| 2032 | $322,228.59 | $5,771.97 | $20,774.91 | $26,546.88 | $316,456.62 | $152,284.78 |
| 2033 | $316,456.62 | $6,158.55 | $20,388.33 | $26,546.88 | $310,298.07 | $172,673.11 |
| 2034 | $310,298.07 | $6,570.99 | $19,975.89 | $26,546.88 | $303,727.08 | $192,649.00 |
| 2035 | $303,727.08 | $7,011.04 | $19,535.84 | $26,546.88 | $296,716.04 | $212,184.84 |
| 2036 | $296,716.04 | $7,480.58 | $19,066.30 | $26,546.88 | $289,235.46 | $231,251.14 |
| 2037 | $289,235.46 | $7,981.57 | $18,565.31 | $26,546.88 | $281,253.89 | $249,816.45 |
| 2038 | $281,253.89 | $8,516.11 | $18,030.77 | $26,546.88 | $272,737.78 | $267,847.22 |
| 2039 | $272,737.78 | $9,086.44 | $17,460.44 | $26,546.88 | $263,651.34 | $285,307.66 |
| 2040 | $263,651.34 | $9,695.01 | $16,851.87 | $26,546.88 | $253,956.33 | $302,159.53 |
| 2041 | $253,956.33 | $10,344.28 | $16,202.60 | $26,546.88 | $243,612.05 | $318,362.13 |
| 2042 | $243,612.05 | $11,037.05 | $15,509.83 | $26,546.88 | $232,575.00 | $333,871.96 |
| 2043 | $232,575.00 | $11,776.25 | $14,770.63 | $26,546.88 | $220,798.75 | $348,642.59 |
| 2044 | $220,798.75 | $12,564.93 | $13,981.95 | $26,546.88 | $208,233.82 | $362,624.54 |
| 2045 | $208,233.82 | $13,406.40 | $13,140.48 | $26,546.88 | $194,827.42 | $375,765.02 |
| 2046 | $194,827.42 | $14,304.26 | $12,242.62 | $26,546.88 | $180,523.16 | $388,007.64 |
| 2047 | $180,523.16 | $15,262.23 | $11,284.65 | $26,546.88 | $165,260.93 | $399,292.29 |
| 2048 | $165,260.93 | $16,284.38 | $10,262.50 | $26,546.88 | $148,976.55 | $409,554.79 |
| 2049 | $148,976.55 | $17,374.98 | $9,171.90 | $26,546.88 | $131,601.57 | $418,726.69 |
| 2050 | $131,601.57 | $18,538.62 | $8,008.26 | $26,546.88 | $113,062.95 | $426,734.95 |
| 2051 | $113,062.95 | $19,780.18 | $6,766.70 | $26,546.88 | $93,282.77 | $433,501.65 |
| 2052 | $93,282.77 | $21,104.88 | $5,442.00 | $26,546.88 | $72,177.89 | $438,943.65 |
| 2053 | $72,177.89 | $22,518.33 | $4,028.55 | $26,546.88 | $49,659.56 | $442,972.20 |
| 2054 | $49,659.56 | $24,026.41 | $2,520.47 | $26,546.88 | $25,633.15 | $445,492.67 |
| 2055 | $25,633.15 | $25,633.15 | $911.38 | $26,544.53 | $0.00 | $446,404.05 |
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High-Precision Financial Amortization Engine
Kalkulator Pinjaman & Amortisasi
Ringkasan: Kalkulator MakerHub menghitung cicilan bulanan, total bunga, dan tabel amortisasi KPR serta pinjaman lainnya.
Whether you are financing a 30-year home mortgage, an auto loan for a new car, or consolidating debt with a personal loan, understanding how monthly compound interest amortizes over time empowers you to save thousands in interest through targeted extra principal payments.
Loan Types, Typical APR Ranges & Amortization Terms
Compare common consumer loan structures to evaluate total borrowing cost across various term lengths:
| Loan Category | Standard Term | Average APR Range | Key Amortization Characteristic |
|---|---|---|---|
| 30-Year Fixed Mortgage | 360 Months | 6.0% – 7.5% | Interest front-loaded; majority of initial payments cover interest |
| 15-Year Fixed Mortgage | 180 Months | 5.5% – 6.8% | Higher monthly payment; saves 60%+ in total lifetime interest |
| New & Used Auto Loan | 36 – 72 Months | 5.0% – 11.0% | Simple interest; shorter terms prevent negative equity (underwater loan) |
| Unsecured Personal Loan | 24 – 60 Months | 7.9% – 24.0% | Fixed installments; ideal for high-interest credit card debt consolidation |
Cara Menghitung Angsuran Kredit
Pinjaman dengan bunga tetap menggunakan rumus anuitas:
E = [ P · r(1 + r)ⁿ ] / [ (1 + r)ⁿ − 1 ]
P = Pokok PinjamanTotal dana yang dipinjam.
r = Suku Bunga BulananBunga tahunan dibagi 12 bulan dan 100.
n = Jumlah AngsuranTenor tahun dikali 12 bulan.
Keuntungan Pelunasan Lebih Cepat
Menyetor dana tambahan langsung ke pokok pinjaman akan memangkas beban bunga masa depan.
Bunga Tetap vs. Bunga Mengambang (Floating)
- Fixed-Rate Mortgage:Bunga tetap memberikan kepastian besaran cicilan setiap bulan.
- Adjustable-Rate Mortgage (ARM):Bunga floating berubah mengikuti suku bunga acuan bank sentral.
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Frequently Asked Questions
Everything You Need to Know About Loans & EMI
Clear answers to top questions about interest rates, amortization schedules, and loan payoff strategies.
Menggunakan rumus anuitas standar berdasarkan pokok pinjaman, suku bunga per bulan, dan tenor.