Kalkulator Bunga Majemuk
Kalkulator Bunga Majemuk
%
years
$
$
Results are a mathematical projection assuming a fixed rate and no additional contributions, taxes, or fees. Real-world returns vary — consult a financial professional for personal investment decisions.
FAQs
- What is compound interest?
- Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. It's the mechanism that makes money grow non-linearly over time — earnings earn earnings.
- How is it different from simple interest?
- Simple interest is calculated only on the original principal (Interest = P × r × t). Compound interest reinvests each period's interest, so the balance grows at an accelerating rate. Over long horizons the gap is dramatic.
- What does compounding frequency change?
- It's the number of times per year interest is added to the balance. More frequent compounding produces slightly higher growth at the same nominal rate — but the marginal benefit shrinks fast as frequency increases. Monthly is meaningfully better than annual; daily is barely better than monthly.
- What is continuous compounding?
- The mathematical limit of compounding infinitely often, given by A = P × e^(r·t) where e ≈ 2.71828. It sets an upper bound on what any other compounding schedule can produce at the same rate.
- How do I use this calculator?
- Enter the principal (starting amount), the annual interest rate as a percentage, the time in years, and pick a compounding frequency. The final amount and total interest earned appear instantly.
- Does this account for taxes, fees, or contributions?
- No. This is a pure compound-interest projection. Real investments involve taxes, fees, inflation, and (for savings goals) periodic contributions — all of which a richer financial-planning calculator would model.
Apa itu bunga majemuk?
Bunga majemuk adalah bunga yang dihitung baik atas pokok awal maupun atas bunga yang sudah terkumpul dari periode-periode sebelumnya. Berbeda dengan bunga sederhana yang hanya dihitung dari pokok awal, bunga majemuk menginvestasikan kembali hasil setiap periode — saldo tumbuh secara non-linear. Inilah mekanisme di balik mengapa tabungan jangka panjang, dana pensiun, dan dividen yang diinvestasikan ulang bisa jauh melampaui proyeksi linear jangka pendek.
Rumus bunga majemuk
A = P × (1 + r/n)n·t
Dengan A = jumlah akhir, P = pokok, r = tingkat bunga tahunan dalam desimal, n = jumlah periode bunga per tahun, t = waktu dalam tahun.
Untuk bunga majemuk kontinu (n → ∞): A = P × er·t, dengan e ≈ 2,71828.
Contoh
Anda menyetor Rp 1.000 dengan bunga 5 % per tahun, dimajemukkan bulanan, selama 10 tahun:
A = 1000 × (1 + 0,05/12)12·10 ≈ Rp 1.647,01
Anda memperoleh Rp 647,01 dalam bunga. Dengan bunga majemuk kontinu: Rp 1.648,72, hanya selisih Rp 1,71.
Frekuensi pemajemukan
| Frekuensi | n (periode/tahun) | Contoh: Rp 1.000 di 5% selama 10t |
|---|---|---|
| Tahunan | 1 | Rp 1.628,89 |
| Setengah-tahunan | 2 | Rp 1.638,62 |
| Kuartalan | 4 | Rp 1.643,62 |
| Bulanan | 12 | Rp 1.647,01 |
| Mingguan | 52 | Rp 1.648,33 |
| Harian | 365 | Rp 1.648,66 |
| Kontinu | ∞ | Rp 1.648,72 |
Cara menggunakan kalkulator ini
- Masukkan pokok awal.
- Masukkan tingkat bunga tahunan dalam persen (mis. 5 untuk 5%).
- Masukkan jangka waktu dalam tahun.
- Pilih frekuensi pemajemukan.
- Jumlah akhir dan total bunga muncul langsung.
Batasan
- Tanpa setoran tambahan. Proyeksi nilai tunggal.
- Tanpa pajak. Bunga nyata biasanya dikenai pajak.
- Tanpa inflasi. Hasilnya nominal.
- Suku bunga tetap. Pada kenyataannya suku bunga berubah.
- Tanpa biaya. Tidak dimodelkan.
Untuk perencanaan pribadi, konsultasikan dengan penasihat keuangan.