Stellar Tools — Full Amortization Table

Mortgage Calculator

Complete and accurate mortgage (KPR) simulation — fixed & floating rates, monthly amortization table, BPHTB/AJB/BBN costs, and financial health analysis based on your income.

Start Simulation Amortization Table

Mortgage Data Enter values in yellow fields

Property & Loan

Property Price

Rp

Down Payment (DP)

%

Rp

Loan Principal (Auto)

Rp

Mortgage Tenor (years)

Yrs

Interest Rate

Fixed Rate (%/yr)

%

Fixed Period (yrs)

Floating Rate (%/yr)

%

Floating Period (yrs)

Financial Analysis

Monthly Income

Rp

Other Installments/mo

Rp

Mortgage Start Month

Simulation results will appear here

Complete the form on the left, then click Calculate Mortgage Simulation.

Fixed & Floating Rates Full Amortization Table Financial Health Analysis BPHTB & AJB Cost Estimates

Fixed Installment / Month

—

Floating Installment / Month

—

Loan Principal —

Total Interest Paid —

Total Payment (P+I) —

Interest / Principal Ratio —

Installment to Income Ratio

0% — 100%

0–30% Healthy 30–40% Caution 40–50% Burdened >50% Critical

Other Cost Estimates

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BPHTB (5% × (Harga − Rp 75 jt))	—
PPN (11% × Harga)	—
Akta Jual Beli / AJB (±1%)	—
Biaya Balik Nama / BBN (±2%)	—
Jasa Notaris (estimasi)	Rp 5.000.000
Total Biaya Lain-lain	—
Total Uang Dikeluarkan	—