{"id":3194,"date":"2025-11-25T15:46:51","date_gmt":"2025-11-25T15:46:51","guid":{"rendered":"https:\/\/mati.byethost6.com\/2025\/11\/25\/cek-di-sini-cara-hitung-bunga-tabungan\/"},"modified":"2025-11-25T15:46:51","modified_gmt":"2025-11-25T15:46:51","slug":"cek-di-sini-cara-hitung-bunga-tabungan","status":"publish","type":"post","link":"https:\/\/islam.jumatberkah.com\/?p=3194","title":{"rendered":"Cek di Sini Cara Hitung Bunga Tabungan"},"content":{"rendered":"<p><\/p>\n<div>\n<p>        <!-- S:Table of Content --><br \/>\n                <!-- E:Table of Content --><\/p>\n<p>        <strong>Jakarta<\/strong> &#8211; <\/p>\n<p>Banyak orang menyimpan uang tanpa memahami cara menghitung keuntungan yang sebenarnya diperoleh. Akibatnya, tabungan terasa seperti uang yang hanya ditahan, tanpa adanya rasa puas melihat pertumbuhannya.<\/p>\n<p>Padahal, menghitung bunga tabungan maupun deposito bukanlah hal yang sulit. Dengan memahami rumus sederhana, nasabah bisa lebih cerdas mengatur keuangan sekaligus menilai seberapa besar keuntungan dari produk perbankan.<\/p>\n<p>Dilansir dari unggahan akun Instagram @sikapiuangmu Otoritas Jasa Keuangan (OJK), Minggu (24\/8\/2025), berikut cara menghitung bunga tabungan bank, deposito, tabungan berjangka, hingga tabungan emas<\/p>\n<p><!--s:parallaxindetail--><br \/>\n<!--e:parallaxindetail--><\/p>\n<h3>1. Cara hitung bunga tabungan bank<\/h3>\n<p>Bunga = Saldo rata-rata x tingkat bunga \/ jumlah bulan dalam setahun.<\/p>\n<p>Contoh: <br \/>Saldo rata-rata = Rp 5.000.000<br \/>Tingkat bunga = 3%\/tahun<br \/>Bunga per bulan = Rp 5.000.000 x 3% \/ 12 = Rp 12.500.<\/p>\n<p><!--s:static_detail--><!--e:static_detail--><\/p>\n<h3>2.Cara hitung bunga deposito<\/h3>\n<p>Bunga kotor (sebelum pajak) = Nominal x tingkat bunga x tenor \/ jumlah bulan dalam setahun<br \/>Bunga (setelah pajak) = Bunga kotor &#8211; pajak<\/p>\n<p>Contoh<br \/>Nominal = Rp 10.000.000<br \/>Tenor = Rp 3 bulan<br \/>Tingkat bunga = 5% per tahun<br \/>Pajak = 20%<\/p>\n<p>Jadi<br \/>Bunga kotor = Rp 10.000.000 x 5% x 3 \/12 = 125.000.000<br \/>Bunga (setelah pajak) = Rp 125.000 &#8211; 20% = Rp 100.000<\/p>\n<h3>3. Cara hitung bunga tabungan berjangka<\/h3>\n<p>Bunga per bulan = (Nominal x tenor) x tingkat bunga \/ 12<\/p>\n<p>Contoh: <br \/>Nominal = Rp 1.000.000\/bulan<br \/>Tingkat bunga = 5% per tahun<br \/>Tenor = 12 bulan<\/p>\n<p>Jadi<br \/>Total nominal = Rp 1.000.000 x 12 bulan = Rp 12.000.000<br \/>Bunga per bulan = Rp 12.000.000 x 5% \/ 12 = Rp 50.000<\/p>\n<h3>4. Cara hitung bunga tabungan emas<\/h3>\n<p>Bunga = (Setoran x periode) x kenaikan harga emas<\/p>\n<p>Contoh:<br \/>Rata-rata harga emas = Rp 1.000.000 per gram<br \/>Setoran = Rp 500.000 per bulan<br \/>Periode = 12 bulan<br \/>Kenaikan harga emas = 10% per tahun<\/p>\n<p>Jadi<br \/>Total setoran = Rp 500.000 x 12 bulan = Rp 6.000.000<br \/>Bunga = Rp 6.000.000 x 10% = Rp 600.000<\/p>\n<p><strong>Lihat juga Video: BI Menahan Suku Bunga Imbas Perang Iran<br \/><\/strong><\/p>\n<p>        <strong>(kil\/kil)<\/strong><\/p><\/div>\n<p><img decoding=\"async\" src=\"https:\/\/awsimages.detik.net.id\/api\/wm\/2024\/07\/12\/ilustrasi-tabungan-dan-investasi_169.png?wid=54&amp;w=1200&amp;v=1&amp;t=jpeg\"><br \/>\n<br \/><a href=\"https:\/\/finance.detik.com\/perencanaan-keuangan\/d-8077204\/cek-di-sini-cara-hitung-bunga-tabungan?single=1\">Sumber : finance.detik.com <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jakarta &#8211; Banyak orang menyimpan uang tanpa memahami cara menghitung keuntungan yang sebenarnya diperoleh. Akibatnya, tabungan terasa seperti uang yang hanya ditahan, tanpa adanya rasa puas melihat pertumbuhannya. Padahal, menghitung bunga tabungan maupun deposito bukanlah hal yang sulit. Dengan memahami rumus sederhana, nasabah bisa lebih cerdas mengatur keuangan sekaligus menilai seberapa besar keuntungan dari produk [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50476],"tags":[50933,28151,2083,50934,50935,50936,50937,34494,165,50938,34321,21262,50939,15993,5212,14334,50940,50941,2337,50942,50943,50791,50944,50945,2777,1781],"class_list":["post-3194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perencanaan-keuangan","tag-2-cara-hitung-bunga-deposito-bunga","tag-akun","tag-bank","tag-bunga-tabungan","tag-cara-hitung-bunga-tabungan-bank-bunga","tag-cara-hitung-bunga-tabungan-emas-bunga","tag-cara-menghitung-bunga","tag-harga-emas","tag-instagram","tag-instagram-sikapiuangmu-otoritas-jasa-keuangan","tag-kenaikan-harga","tag-keuntungan","tag-nominal-x-tingkat-bunga-x","tag-ojk","tag-orang","tag-pajak","tag-pajak-contoh","tag-rata-rata-harga","tag-setoran","tag-sini-cara-hitung-bunga-tabungan","tag-tabungan-berjangka","tag-tabungan-emas","tag-tenor","tag-total-setoran","tag-unggahan","tag-x"],"_links":{"self":[{"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/posts\/3194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3194"}],"version-history":[{"count":0,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/posts\/3194\/revisions"}],"wp:attachment":[{"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}