{"id":3196,"date":"2025-11-25T15:46:55","date_gmt":"2025-11-25T15:46:55","guid":{"rendered":"https:\/\/mati.byethost6.com\/2025\/11\/25\/nabung-tapi-uang-nggak-nambah-banyak-cek-dulu-cara-hitung-bunganya\/"},"modified":"2025-11-25T15:46:55","modified_gmt":"2025-11-25T15:46:55","slug":"nabung-tapi-uang-nggak-nambah-banyak-cek-dulu-cara-hitung-bunganya","status":"publish","type":"post","link":"https:\/\/islam.jumatberkah.com\/?p=3196","title":{"rendered":"Nabung tapi Uang Nggak Nambah Banyak? Cek Dulu Cara Hitung Bunganya"},"content":{"rendered":"

<\/p>\n

\n


\n <\/p>\n

Jakarta<\/strong> – <\/p>\n

Banyak orang menabung tanpa tahu cara menghitung imbal hasil yang mereka dapatkan. Akibatnya, tabungan terasa seperti uang yang ditahan saja, tanpa kepuasan melihat perkembangannya.<\/p>\n

Padahal, menghitung bunga tabungan maupun deposito sebenarnya gampang dilakukan. Dengan memahami rumus sederhana, nasabah bisa lebih bijak mengelola uang sekaligus menilai keuntungan dari produk perbankan.<\/p>\n

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


\n<\/p>\n

1. Cara hitung bunga tabungan bank<\/h3>\n

Bunga = Saldo rata-rata x tingkat bunga \/ jumlah bulan dalam setahun.<\/p>\n

Contoh:
Saldo rata-rata = Rp 5.000.000
Tingkat bunga = 3%\/tahun
Bunga per bulan = Rp 5.000.000 x 3% \/ 12 = Rp 12.500.<\/p>\n

<\/p>\n

2. Cara hitung bunga deposito<\/strong><\/h3>\n

Bunga kotor (sebelum pajak) = Nominal x tingkat bunga x tenor \/ jumlah bulan dalam setahun
Bunga (setelah pajak) = Bunga kotor – pajak<\/p>\n

Contoh
Nominal = Rp 10.000.000
Tenor = Rp 3 bulan
Tingkat bunga = 5% per tahun
Pajak = 20%<\/p>\n

Jadi
Bunga kotor = Rp 10.000.000 x 5% x 3 \/12 = 125.000.000
Bunga (setelah pajak) = Rp 125.000 – 20% = Rp 100.000<\/p>\n

3. Cara hitung bunga tabungan berjangka<\/h3>\n

Bunga per bulan = (Nominal x tenor) x tingkat bunga \/ 12<\/p>\n

Contoh:
Nominal = Rp 1.000.000\/bulan
Tingkat bunga = 5% per tahun
Tenor = 12 bulan<\/p>\n

Jadi
Total nominal = Rp 1.000.000 x 12 bulan = Rp 12.000.000
Bunga per bulan = Rp 12.000.000 x 5% \/ 12 = Rp 50.000<\/p>\n

4. Cara hitung bunga tabungan emas<\/h3>\n

Bunga = (Setoran x periode) x kenaikan harga emas<\/p>\n

Contoh:
Rata-rata harga emas = Rp 1.000.000 per gram
Setoran = Rp 500.000 per bulan
Periode = 12 bulan
Kenaikan harga emas = 10% per tahun<\/p>\n

Jadi
Total setoran = Rp 500.000 x 12 bulan = Rp 6.000.000
Bunga = Rp 6.000.000 x 10% = Rp 600.000<\/p>\n

(ily\/kil)<\/strong><\/p><\/div>\n


\n
Sumber : finance.detik.com <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Jakarta – Banyak orang menabung tanpa tahu cara menghitung imbal hasil yang mereka dapatkan. Akibatnya, tabungan terasa seperti uang yang ditahan saja, tanpa kepuasan melihat perkembangannya. Padahal, menghitung bunga tabungan maupun deposito sebenarnya gampang dilakukan. Dengan memahami rumus sederhana, nasabah bisa lebih bijak mengelola uang sekaligus menilai keuntungan dari produk perbankan. Dilansir dari unggahan akun […]<\/p>\n","protected":false},"author":3,"featured_media":3197,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50476],"tags":[2083,50934,50946,50947,50935,50936,50948,50949,50097,34494,15989,50938,6938,50950,50951,50939,15993,5212,14334,50940,50941,2337,50944,50952,50945,2777],"class_list":["post-3196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perencanaan-keuangan","tag-bank","tag-bunga-tabungan","tag-cara-hitung-bunga","tag-cara-hitung-bunga-deposito-bunga","tag-cara-hitung-bunga-tabungan-bank-bunga","tag-cara-hitung-bunga-tabungan-emas-bunga","tag-cek-dulu-cara-hitung-bunganya","tag-deposito","tag-gampang","tag-harga-emas","tag-imbal","tag-instagram-sikapiuangmu-otoritas-jasa-keuangan","tag-kepuasan","tag-nabung","tag-nambah","tag-nominal-x-tingkat-bunga-x","tag-ojk","tag-orang","tag-pajak","tag-pajak-contoh","tag-rata-rata-harga","tag-setoran","tag-tenor","tag-total-nominal","tag-total-setoran","tag-unggahan"],"_links":{"self":[{"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/posts\/3196","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=3196"}],"version-history":[{"count":0,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=\/wp\/v2\/posts\/3196\/revisions"}],"wp:attachment":[{"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/islam.jumatberkah.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}