Professional Documents
Culture Documents
Usia sekarang
33 Tahun
55 Tahun
22 Tahun
Tahun
2038
10 Tahun
Bulanan
100%
Tahunan
9,500,000
114,000,000
9,500,000
114,000,000
12%
114,952,946
1,379,435,346
12%
Variable ?
Retirement Fund
1
2
3
4
5
6
7
8
9
10
16,231,355,909
16,799,683,272
17,270,677,677
17,612,795,299
17,788,323,393
17,752,353,977
17,451,600,044
16,823,031,270
15,792,302,949
14,271,948,181
16,231,355,909
Interest Income
Biaya Pensiun
1,947,762,709
2,015,961,993
2,072,481,321
2,113,535,436
2,134,598,807
2,130,282,477
2,094,192,005
2,018,763,752
1,895,076,354
1,712,633,782
Page 9 of 10
1,379,435,346
1,544,967,588
1,730,363,699
1,938,007,342
2,170,568,223
2,431,036,410
2,722,760,779
3,049,492,073
3,415,431,122
3,825,282,856
Sisa
16,799,683,272
17,270,677,677
17,612,795,299
17,788,323,393
17,752,353,977
17,451,600,044
16,823,031,270
15,792,302,949
14,271,948,181
12,159,299,106
Retirement Plan
Page 9 of 10
Retirement Plan
Page 9 of 10
Retirement Plan
Total Terhutang
Cicilan Bulanan
Toyota Corona
1,000,000,000
300,000,000
700,000,000
15.05%
3
36
1,016,050,000
28,223,611
DP Awal
Cicilan 1
Biaya Admin
Asuransi
300,000,000
28,223,611
250,000
60,000,000
Total DP
388,473,611
30%
70%
Tahun
Bulan
Ilustrasi KPR
Harga rumah
DP
Hutang
Bunga
Waktu
Cicilan Bulanan
Total Bayar
Bulan
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Tanggal
8/31/2003
9/30/2003
10/31/2003
11/30/2003
12/31/2003
1/31/2004
2/29/2004
3/31/2004
4/30/2004
5/31/2004
6/30/2004
7/31/2004
8/31/2004
9/30/2004
10/31/2004
11/30/2004
12/31/2004
1/31/2005
2/28/2005
3/31/2005
4/30/2005
5/31/2005
6/30/2005
7/31/2005
8/31/2005
9/30/2005
10/31/2005
11/30/2005
12/31/2005
1/31/2006
2/28/2006
3/31/2006
4/30/2006
5/31/2006
6/30/2006
7/31/2006
8/31/2006
9/30/2006
10/31/2006
11/30/2006
1,800,000,000
990,000,000 55%
810,000,000 45%
13% PA
300 Bln
9,135,466
2,740,639,788
Sisa Hutang
810,000,000
809,639,534
809,275,163
808,906,845
808,534,536
808,158,194
807,777,776
807,393,235
807,004,530
806,611,613
806,214,439
805,812,963
805,407,137
804,996,915
804,582,249
804,163,091
803,739,392
803,311,103
802,878,174
802,440,555
801,998,195
801,551,043
801,099,046
800,642,153
800,180,311
799,713,465
799,241,561
798,764,546
798,282,362
797,794,955
797,302,268
796,804,243
796,300,823
795,791,950
795,277,563
794,757,604
794,232,012
793,700,726
793,163,685
792,620,825
Cicilan Bunga
8,775,000
8,771,095
8,767,148
8,763,157
8,759,124
8,755,047
8,750,926
8,746,760
8,742,549
8,738,292
8,733,990
8,729,640
8,725,244
8,720,800
8,716,308
8,711,767
8,707,177
8,702,537
8,697,847
8,693,106
8,688,314
8,683,470
8,678,573
8,673,623
8,668,620
8,663,563
8,658,450
8,653,283
8,648,059
8,642,779
8,637,441
8,632,046
8,626,592
8,621,079
8,615,507
8,609,874
8,604,180
8,598,425
8,592,607
8,586,726
DP
Cicilan 1
Bea
BBN
Bea Adm
As Jiwa
As Kebakaran
Total DP
Cicilan Pokok
360,466
364,371
368,318
372,308
376,342
380,419
384,540
388,706
392,917
397,173
401,476
405,826
410,222
414,666
419,158
423,699
428,289
432,929
437,619
442,360
447,152
451,996
456,893
461,843
466,846
471,903
477,016
482,183
487,407
492,687
498,025
503,420
508,874
514,387
519,959
525,592
531,286
537,041
542,859
548,740
990,000,000
9,135,466
9,000,000
45,000,000
250,000
3,645,000
810,000
1,057,840,466
Jumlah Cicilan
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
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62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
12/31/2006
1/31/2007
2/28/2007
3/31/2007
4/30/2007
5/31/2007
6/30/2007
7/31/2007
8/31/2007
9/30/2007
10/31/2007
11/30/2007
12/31/2007
1/31/2008
2/29/2008
3/31/2008
4/30/2008
5/31/2008
6/30/2008
7/31/2008
8/31/2008
9/30/2008
10/31/2008
11/30/2008
12/31/2008
1/31/2009
2/28/2009
3/31/2009
4/30/2009
5/31/2009
6/30/2009
7/31/2009
8/31/2009
9/30/2009
10/31/2009
11/30/2009
12/31/2009
1/31/2010
2/28/2010
3/31/2010
4/30/2010
5/31/2010
6/30/2010
7/31/2010
8/31/2010
9/30/2010
10/31/2010
11/30/2010
12/31/2010
1/31/2011
2/28/2011
3/31/2011
4/30/2011
5/31/2011
6/30/2011
7/31/2011
8/31/2011
9/30/2011
10/31/2011
792,072,085
791,517,400
790,956,706
790,389,938
789,817,029
789,237,915
788,652,526
788,060,796
787,462,655
786,858,035
786,246,864
785,629,072
785,004,588
784,373,338
783,735,250
783,090,250
782,438,261
781,779,210
781,113,019
780,439,610
779,758,907
779,070,829
778,375,297
777,672,230
776,961,547
776,243,164
775,516,999
774,782,967
774,040,984
773,290,962
772,532,814
771,766,454
770,991,791
770,208,736
769,417,198
768,617,085
767,808,304
766,990,762
766,164,362
765,329,010
764,484,609
763,631,059
762,768,263
761,896,120
761,014,529
760,123,387
759,222,591
758,312,036
757,391,617
756,461,227
755,520,758
754,570,100
753,609,144
752,637,777
751,655,887
750,663,360
749,660,080
748,645,932
747,620,797
8,580,781
8,574,772
8,568,698
8,562,558
8,556,351
8,550,077
8,543,736
8,537,325
8,530,845
8,524,295
8,517,674
8,510,982
8,504,216
8,497,378
8,490,465
8,483,478
8,476,414
8,469,275
8,462,058
8,454,762
8,447,388
8,439,934
8,432,399
8,424,782
8,417,083
8,409,301
8,401,434
8,393,482
8,385,444
8,377,319
8,369,105
8,360,803
8,352,411
8,343,928
8,335,353
8,326,685
8,317,923
8,309,067
8,300,114
8,291,064
8,281,917
8,272,670
8,263,323
8,253,875
8,244,324
8,234,670
8,224,911
8,215,047
8,205,076
8,194,997
8,184,808
8,174,509
8,164,099
8,153,576
8,142,939
8,132,186
8,121,318
8,110,331
8,099,225
554,685
560,694
566,768
572,908
579,115
585,389
591,730
598,141
604,621
611,171
617,792
624,484
631,250
638,088
645,001
651,988
659,051
666,191
673,408
680,704
688,078
695,532
703,067
710,683
718,383
726,165
734,032
741,984
750,022
758,147
766,360
774,663
783,055
791,538
800,113
808,781
817,543
826,399
835,352
844,402
853,549
862,796
872,143
881,591
891,142
900,796
910,555
920,419
930,390
940,469
950,658
960,957
971,367
981,890
992,527
1,003,280
1,014,148
1,025,135
1,036,241
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
11/30/2011
12/31/2011
1/31/2012
2/29/2012
3/31/2012
4/30/2012
5/31/2012
6/30/2012
7/31/2012
8/31/2012
9/30/2012
10/31/2012
11/30/2012
12/31/2012
1/31/2013
2/28/2013
3/31/2013
4/30/2013
5/31/2013
6/30/2013
7/31/2013
8/31/2013
9/30/2013
10/31/2013
11/30/2013
12/31/2013
1/31/2014
2/28/2014
3/31/2014
4/30/2014
5/31/2014
6/30/2014
7/31/2014
8/31/2014
9/30/2014
10/31/2014
11/30/2014
12/31/2014
1/31/2015
2/28/2015
3/31/2015
4/30/2015
5/31/2015
6/30/2015
7/31/2015
8/31/2015
9/30/2015
10/31/2015
11/30/2015
12/31/2015
1/31/2016
2/29/2016
3/31/2016
4/30/2016
5/31/2016
6/30/2016
7/31/2016
8/31/2016
9/30/2016
746,584,556
745,537,089
744,478,275
743,407,991
742,326,111
741,232,511
740,127,064
739,009,642
737,880,113
736,738,349
735,584,215
734,417,578
733,238,302
732,046,251
730,841,286
729,623,268
728,392,054
727,147,502
725,889,467
724,617,804
723,332,364
722,032,999
720,719,557
719,391,886
718,049,832
716,693,239
715,321,950
713,935,805
712,534,644
711,118,303
709,686,619
708,239,425
706,776,552
705,297,832
703,803,093
702,292,161
700,764,860
699,221,013
697,660,441
696,082,964
694,488,396
692,876,555
691,247,251
689,600,297
687,935,501
686,252,670
684,551,608
682,832,118
681,094,000
679,337,052
677,561,071
675,765,850
673,951,181
672,116,852
670,262,652
668,388,365
666,493,773
664,578,656
662,642,792
8,087,999
8,076,652
8,065,181
8,053,587
8,041,866
8,030,019
8,018,043
8,005,938
7,993,701
7,981,332
7,968,829
7,956,190
7,943,415
7,930,501
7,917,447
7,904,252
7,890,914
7,877,431
7,863,803
7,850,026
7,836,101
7,822,024
7,807,795
7,793,412
7,778,873
7,764,177
7,749,321
7,734,305
7,719,125
7,703,782
7,688,272
7,672,594
7,656,746
7,640,727
7,624,534
7,608,165
7,591,619
7,574,894
7,557,988
7,540,899
7,523,624
7,506,163
7,488,512
7,470,670
7,452,635
7,434,404
7,415,976
7,397,348
7,378,518
7,359,485
7,340,245
7,320,797
7,301,138
7,281,266
7,261,179
7,240,874
7,220,349
7,199,602
7,178,630
1,047,467
1,058,814
1,070,285
1,081,879
1,093,600
1,105,447
1,117,423
1,129,528
1,141,765
1,154,134
1,166,637
1,179,276
1,192,051
1,204,965
1,218,019
1,231,214
1,244,552
1,258,035
1,271,663
1,285,440
1,299,365
1,313,442
1,327,671
1,342,054
1,356,593
1,371,289
1,386,145
1,401,161
1,416,341
1,431,684
1,447,194
1,462,872
1,478,720
1,494,739
1,510,932
1,527,301
1,543,847
1,560,572
1,577,478
1,594,567
1,611,842
1,629,303
1,646,954
1,664,796
1,682,831
1,701,062
1,719,490
1,738,118
1,756,948
1,775,981
1,795,221
1,814,669
1,834,328
1,854,200
1,874,287
1,894,592
1,915,117
1,935,864
1,956,836
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
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191
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193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
10/31/2016
11/30/2016
12/31/2016
1/31/2017
2/28/2017
3/31/2017
4/30/2017
5/31/2017
6/30/2017
7/31/2017
8/31/2017
9/30/2017
10/31/2017
11/30/2017
12/31/2017
1/31/2018
2/28/2018
3/31/2018
4/30/2018
5/31/2018
6/30/2018
7/31/2018
8/31/2018
9/30/2018
10/31/2018
11/30/2018
12/31/2018
1/31/2019
2/28/2019
3/31/2019
4/30/2019
5/31/2019
6/30/2019
7/31/2019
8/31/2019
9/30/2019
10/31/2019
11/30/2019
12/31/2019
1/31/2020
2/29/2020
3/31/2020
4/30/2020
5/31/2020
6/30/2020
7/31/2020
8/31/2020
9/30/2020
10/31/2020
11/30/2020
12/31/2020
1/31/2021
2/28/2021
3/31/2021
4/30/2021
5/31/2021
6/30/2021
7/31/2021
8/31/2021
660,685,957
658,707,922
656,708,459
654,687,334
652,644,314
650,579,162
648,491,637
646,381,497
644,248,497
642,092,390
639,912,925
637,709,849
635,482,906
633,231,838
630,956,384
628,656,279
626,331,256
623,981,045
621,605,374
619,203,966
616,776,543
614,322,823
611,842,521
609,335,349
606,801,016
604,239,228
601,649,687
599,032,093
596,386,141
593,711,525
591,007,934
588,275,054
585,512,568
582,720,154
579,897,490
577,044,247
574,160,094
571,244,695
568,297,714
565,318,806
562,307,627
559,263,827
556,187,053
553,076,947
549,933,148
546,755,291
543,543,007
540,295,924
537,013,664
533,695,846
530,342,085
526,951,991
523,525,172
520,061,229
516,559,759
513,020,357
509,442,612
505,826,108
502,170,425
7,157,431
7,136,002
7,114,342
7,092,446
7,070,313
7,047,941
7,025,326
7,002,466
6,979,359
6,956,001
6,932,390
6,908,523
6,884,398
6,860,012
6,835,361
6,810,443
6,785,255
6,759,795
6,734,058
6,708,043
6,681,746
6,655,164
6,628,294
6,601,133
6,573,678
6,545,925
6,517,872
6,489,514
6,460,850
6,431,875
6,402,586
6,372,980
6,343,053
6,312,802
6,282,223
6,251,313
6,220,068
6,188,484
6,156,559
6,124,287
6,091,666
6,058,691
6,025,360
5,991,667
5,957,609
5,923,182
5,888,383
5,853,206
5,817,648
5,781,705
5,745,373
5,708,647
5,671,523
5,633,997
5,596,064
5,557,721
5,518,962
5,479,783
5,440,180
1,978,035
1,999,463
2,021,124
2,043,020
2,065,153
2,087,525
2,110,140
2,133,000
2,156,107
2,179,465
2,203,076
2,226,943
2,251,068
2,275,454
2,300,105
2,325,023
2,350,211
2,375,671
2,401,408
2,427,423
2,453,720
2,480,302
2,507,172
2,534,333
2,561,788
2,589,541
2,617,594
2,645,952
2,674,616
2,703,591
2,732,880
2,762,486
2,792,413
2,822,664
2,853,243
2,884,153
2,915,398
2,946,982
2,978,907
3,011,179
3,043,800
3,076,774
3,110,106
3,143,799
3,177,857
3,212,284
3,247,083
3,282,260
3,317,818
3,353,761
3,390,093
3,426,819
3,463,943
3,501,469
3,539,402
3,577,745
3,616,504
3,655,683
3,695,286
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
9/30/2021
10/31/2021
11/30/2021
12/31/2021
1/31/2022
2/28/2022
3/31/2022
4/30/2022
5/31/2022
6/30/2022
7/31/2022
8/31/2022
9/30/2022
10/31/2022
11/30/2022
12/31/2022
1/31/2023
2/28/2023
3/31/2023
4/30/2023
5/31/2023
6/30/2023
7/31/2023
8/31/2023
9/30/2023
10/31/2023
11/30/2023
12/31/2023
1/31/2024
2/29/2024
3/31/2024
4/30/2024
5/31/2024
6/30/2024
7/31/2024
8/31/2024
9/30/2024
10/31/2024
11/30/2024
12/31/2024
1/31/2025
2/28/2025
3/31/2025
4/30/2025
5/31/2025
6/30/2025
7/31/2025
8/31/2025
9/30/2025
10/31/2025
11/30/2025
12/31/2025
1/31/2026
2/28/2026
3/31/2026
4/30/2026
5/31/2026
6/30/2026
7/31/2026
498,475,138
494,739,820
490,964,035
487,147,346
483,289,310
479,389,478
475,447,398
471,462,612
467,434,658
463,363,067
459,247,368
455,087,082
450,881,726
446,630,812
442,333,847
437,990,331
433,599,760
429,161,625
424,675,410
420,140,594
415,556,651
410,923,049
406,239,249
401,504,708
396,718,877
391,881,199
386,991,112
382,048,050
377,051,438
372,000,696
366,895,238
361,734,470
356,517,794
351,244,604
345,914,288
340,526,227
335,079,795
329,574,360
324,009,283
318,383,918
312,697,611
306,949,703
301,139,525
295,266,404
289,329,657
283,328,596
277,262,523
271,130,735
264,932,518
258,667,155
252,333,916
245,932,068
239,460,866
232,919,559
226,307,388
219,623,586
212,867,375
206,037,973
199,134,585
5,400,147
5,359,681
5,318,777
5,277,430
5,235,634
5,193,386
5,150,680
5,107,512
5,063,875
5,019,767
4,975,180
4,930,110
4,884,552
4,838,500
4,791,950
4,744,895
4,697,331
4,649,251
4,600,650
4,551,523
4,501,864
4,451,666
4,400,925
4,349,634
4,297,788
4,245,380
4,192,404
4,138,854
4,084,724
4,030,008
3,974,698
3,918,790
3,862,276
3,805,150
3,747,405
3,689,034
3,630,031
3,570,389
3,510,101
3,449,159
3,387,557
3,325,288
3,262,345
3,198,719
3,134,405
3,069,393
3,003,677
2,937,250
2,870,102
2,802,228
2,733,617
2,664,264
2,594,159
2,523,295
2,451,663
2,379,256
2,306,063
2,232,078
2,157,291
3,735,319
3,775,785
3,816,689
3,858,036
3,899,832
3,942,080
3,984,786
4,027,954
4,071,590
4,115,699
4,160,286
4,205,356
4,250,914
4,296,965
4,343,516
4,390,571
4,438,135
4,486,215
4,534,816
4,583,943
4,633,602
4,683,800
4,734,541
4,785,832
4,837,678
4,890,086
4,943,062
4,996,612
5,050,742
5,105,458
5,160,768
5,216,676
5,273,190
5,330,316
5,388,061
5,446,432
5,505,435
5,565,077
5,625,365
5,686,307
5,747,909
5,810,178
5,873,121
5,936,747
6,001,061
6,066,073
6,131,789
6,198,216
6,265,364
6,333,238
6,401,849
6,471,202
6,541,307
6,612,171
6,683,803
6,756,210
6,829,403
6,903,388
6,978,175
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
8/31/2026
9/30/2026
10/31/2026
11/30/2026
12/31/2026
1/31/2027
2/28/2027
3/31/2027
4/30/2027
5/31/2027
6/30/2027
7/31/2027
8/31/2027
9/30/2027
10/31/2027
11/30/2027
12/31/2027
1/31/2028
2/29/2028
3/31/2028
4/30/2028
5/31/2028
6/30/2028
7/31/2028
192,156,410
185,102,639
177,972,451
170,765,020
163,479,509
156,115,071
148,670,851
141,145,986
133,539,602
125,850,815
118,078,733
110,222,453
102,281,064
94,253,643
86,139,258
77,936,967
69,645,818
61,264,849
52,793,085
44,229,544
35,573,232
26,823,142
17,978,261
9,037,559
2,081,694
2,005,279
1,928,035
1,849,954
1,771,028
1,691,247
1,610,601
1,529,082
1,446,679
1,363,384
1,279,186
1,194,077
1,108,045
1,021,081
933,175
844,317
754,496
663,703
571,925
479,153
385,377
290,584
194,764
97,907
7,053,772
7,130,187
7,207,431
7,285,512
7,364,438
7,444,219
7,524,865
7,606,384
7,688,787
7,772,082
7,856,280
7,941,389
8,027,421
8,114,385
8,202,291
8,291,149
8,380,970
8,471,763
8,563,541
8,656,313
8,750,089
8,844,882
8,940,701
9,037,559
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
9,135,466
Tujuan Investasi:
Target Investment
Target Interest Rate
Yearly Increment
Jangka Waktu
Investasi Diperlukan
37,256,000
14.0% per tahun
0% per tahun
1 Tahun
2,876,892 per bulan
Tujuan Investasi:
Target Investment
Target Interest Rate
Yearly Increment
Jangka Waktu
Investasi Diperlukan
617,000,000
20%
0%
5
69,093,564
per tahun
per tahun
Tahun
per tahun
Interest Rate
Increment
0% per tahun
Jangka waktu
1 tahun
Hasil Akhir
Akhir
Tahun ke
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
Investasi
Tahunan
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
46,002,140
Total
Investasi
43,095,600
86,191,200
129,286,800
172,382,400
215,478,000
258,573,600
301,669,200
344,764,800
387,860,400
430,956,000
474,051,600
517,147,200
560,242,800
603,338,400
646,434,000
689,529,600
732,625,200
775,720,800
818,816,400
861,912,000
905,007,600
948,103,200
991,198,800
1,034,294,400
1,077,390,000
1,120,485,600
1,163,581,200
1,206,676,800
1,249,772,400
1,292,868,000
1,335,963,600
1,379,059,200
1,422,154,800
1,465,250,400
Bunga
Roll Over
2,906,540
8,740,763
15,314,911
22,722,826
31,070,249
40,476,336
51,075,349
63,018,582
76,476,517
91,641,254
108,729,259
127,984,452
149,681,684
174,130,669
201,680,397
232,724,121
267,704,965
307,122,256
351,538,646
401,588,146
457,985,176
521,534,760
593,144,023
673,835,132
764,759,894
867,216,191
982,666,512
1,112,758,823
1,259,350,095
1,424,532,809
1,610,664,826
1,820,403,042
2,056,741,314
2,323,053,193
Hasil Akhir
Investasi
46,002,140
97,838,502
156,249,013
222,067,439
296,233,288
379,805,224
473,976,172
580,090,355
699,662,471
834,399,325
986,224,184
1,157,304,236
1,350,081,520
1,567,307,790
1,812,083,787
2,087,903,508
2,398,704,073
2,748,921,929
3,143,556,175
3,588,239,922
4,089,320,698
4,653,951,058
5,290,190,681
6,007,121,413
6,814,976,908
7,725,288,699
8,751,050,811
9,906,905,233
11,209,350,928
12,676,979,337
14,330,739,763
16,194,238,405
18,294,075,319
20,660,224,112
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
43,095,600
1,508,346,000
1,551,441,600
1,594,537,200
1,637,632,800
1,680,728,400
1,723,824,000
1,766,919,600
1,810,015,200
1,853,110,800
1,896,206,400
1,939,302,000
1,982,397,600
2,025,493,200
2,068,588,800
2,111,684,400
2,154,780,000
2,197,875,600
2,240,971,200
2,284,066,800
2,327,162,400
2,370,258,000
2,413,353,600
2,456,449,200
2,499,544,800
2,542,640,400
2,585,736,000
2,623,140,085
2,961,285,506
3,342,316,231
3,771,671,188
4,255,479,101
4,800,645,967
5,414,953,637
6,107,170,896
6,887,178,630
7,766,110,868
8,756,513,714
9,872,524,430
11,130,073,239
12,547,110,714
14,143,864,009
15,943,125,589
17,970,578,573
20,255,163,343
22,829,490,645
25,730,307,084
28,999,019,656
32,682,286,799
36,832,684,408
41,509,456,318
46,779,359,967
52,717,619,306
23,326,459,797
26,330,840,904
29,716,252,735
33,531,019,523
37,829,594,224
42,673,335,791
48,131,385,029
54,281,651,525
61,211,925,755
69,021,132,223
77,820,741,537
87,736,361,567
98,909,530,406
111,499,736,720
125,686,696,329
141,672,917,518
159,686,591,691
179,984,850,634
202,857,436,878
228,630,839,563
257,672,954,819
290,398,337,218
327,274,117,226
368,826,669,144
415,649,124,712
468,409,839,617
Investasi
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596
10,576,596 per yr
881,383 per mo
25.0% per yr
0% per yr
27 Th
21,819,004,915
Bunga
2,644,149
5,949,335
10,080,818
15,245,172
21,700,613
29,769,916
39,856,544
52,464,829
68,225,185
87,925,630
112,551,187
143,333,132
181,810,564
229,907,355
290,028,342
365,179,577
459,118,620
576,542,424
723,322,179
906,796,873
1,136,140,240
1,422,819,449
1,781,168,460
2,229,104,724
2,789,025,055
3,488,925,467
4,363,800,983
Hasil Akhir
13,220,745
29,746,676
50,404,090
76,225,858
108,503,067
148,849,579
199,282,719
262,324,144
341,125,925
439,628,151
562,755,934
716,665,662
909,052,822
1,149,536,773
1,450,141,711
1,825,897,884
2,295,593,100
2,882,712,120
3,616,610,895
4,533,984,364
5,680,701,200
7,114,097,245
8,905,842,302
11,145,523,622
13,945,125,273
17,444,627,336
21,819,004,915
Harga Barang
89,600,000.00
100,352,000.00
112,394,240.00
125,881,548.80
140,987,334.66
157,905,814.81
176,854,512.59
198,077,054.10
221,846,300.60
248,467,856.67
278,283,999.47
311,678,079.40
349,079,448.93
390,968,982.80
437,885,260.74
490,431,492.03
549,283,271.07
615,197,263.60
689,020,935.23
771,703,447.46
864,307,861.16
968,024,804.50
1,084,187,781.04
1,214,290,314.76
1,360,005,152.53
1,523,205,770.84
1,705,990,463.34
1,910,709,318.94
2,139,994,437.21
2,396,793,769.67
12.00%
80,000,000.00
Tahun Ke
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
Harga Barang
2,684,409,022.03
3,006,538,104.68
3,367,322,677.24
3,771,401,398.51
4,223,969,566.33
4,730,845,914.29
5,298,547,424.00
5,934,373,114.88
6,646,497,888.67
7,444,077,635.31
8,337,366,951.55
9,337,850,985.73
10,458,393,104.02
11,713,400,276.50
13,119,008,309.68
14,693,289,306.84
16,456,484,023.67
18,431,262,106.51
20,643,013,559.29
23,120,175,186.40
25,894,596,208.77
29,001,947,753.82
32,482,181,484.28
36,380,043,262.39
40,745,648,453.88
45,635,126,268.34
51,111,341,420.55
57,244,702,391.01
64,114,066,677.93
71,807,754,679.28
Nilai Uang
58,928,571.43
57,876,275.51
56,842,770.59
55,827,721.12
54,830,797.52
53,851,676.14
52,890,039.07
51,945,574.08
51,017,974.55
50,106,939.29
49,212,172.51
48,333,383.72
47,470,287.58
46,622,603.87
45,790,057.38
Risk Management
Dalam kehidupan setiap orang memiliki faktor resiko. Beberapa resiko dapat berakibat cukup signifikan
terhadap kondisi finansial anda
Berikut adalah program perhitungan sederhana untuk mengetahui berapa jumlah dana yang diperlukan
untuk melindungi anda sekeluarga anda secara finansial apabila terjadi resiko yang tidak diharapkan
Gabungan
Perkiraan biaya hidup bulanan
Bapak
15,000,000
15,000,000
5,000,000
10,000,000
66.67%
12%
12%
12%
1,250,000,000
833,333,333
416,666,667
1,212,000,000
606,000,000
UP
1,200,000,000
1,200,000,000
1,200,000,000
600,000,000
UP
675,000,000
675,000,000
675,000,000
350,000,000
600,000
5,650,000
7,082,000
100,000,000
245,000,000
588,000,000
Total
15,000,000
33.33%
Ibu
2,183,000,000
LIQUID ASSET
Cash
325,000,000
Savings
40,000,000
365,000,000
Insurance Shortage
1,818,000,000
1
2
3
4
5
Keterangan
Asuransi Jiwa
ADB (meninggal dunia akibat kecelakaan)
TPD (cacat tetap)
Critical Illness (Penyakit Kritis)
Hospital Benefit (Room Board + All Included)
untuk Pak Dummy + Istri dan 2 anak
Premi Tahunan
Page 6 of 10
Life Insurance