Investment Kalkulator

Cara menggunakan kalkulator ini

1. Masukkan Initial Investment (Rp)
2. Masukkan Monthly Contribution (Rp)
3. Masukkan Annual Return (%)
4. Masukkan Years
5. Klik tombol Hitung
6. Baca hasil yang ditampilkan di bawah kalkulator

The Power of Compound Interest

Compound interest is earning returns not just on your original investment but also on all previously accumulated gains. Albert Einstein allegedly called it the eighth wonder of the world — and the math backs that up.

Rp150,000,000 invested at 8% annual return: after 10 years = Rp323,835,000; after 20 years = Rp699,150,000; after 30 years = Rp1,509,405,000. The same money tripled in the second decade and then doubled again in the third — that acceleration is compounding at work.

Regular Contributions: The Real Multiplier

Adding regular contributions amplifies compounding dramatically. If you invest Rp150,000,000 upfront and add Rp7,500,000/month at 8% annual return over 30 years, you contribute a total of Rp2,850,000,000 but end up with Rp11,175,000,000 — Rp8,325,000,000 is pure investment returns.

Starting early matters more than investing large amounts later. Someone who invests Rp3,000,000/month from age 25 to 35 (10 years, Rp360,000,000 total) and then stops, will likely outperform someone who invests Rp3,000,000/month from age 35 to 65 (30 years, Rp1,080,000,000 total), thanks to the extra decade of compounding.

Expected Returns by Asset Class

Historical average annual returns (inflation-adjusted): US stocks (S&P 500): ~7%; Global stocks: ~5–6%; Bonds: ~2–3%; Real estate: ~4–5%; Cash/savings: ~0–1%.

These are long-term averages — any single year can vary wildly. Diversification across asset classes smooths volatility over time. For long investment horizons (15+ years), stocks have historically been the best-performing asset class.