Indonesia
Worked in Indonesia? Any pension you built up here is yours to keep and can usually be paid to you abroad — but you have to claim it; it won't start automatically. The full state pension age is 59. On totalization, your Indonesia contributions generally stand on their own. Below is Indonesia's system at a glance and what expats should check.
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Overview
Indonesia operates BPJS Ketenagakerjaan (formerly Jamsostek), a mandatory social security system providing old-age savings (JHT – Jaminan Hari Tua), pension insurance (JP – Jaminan Pensiun), work accident insurance (JKK), death benefits (JKM), and job-loss insurance (JKP). JHT is a mandatory defined-contribution provident fund paying a lump sum at retirement or qualifying events; JP is a defined-benefit pension program introduced in 2015 paying a monthly annuity after 15 years of contributions (or a lump sum if fewer). Both are administered by BPJS Ketenagakerjaan under Law No. 24 of 2011 and regulated by Government Regulation No. 45 of 2015. Coverage is mandatory for all formal sector workers; informal sector coverage is being expanded. As of May 2025, OJK recorded approximately 23.47 million mandatory pension participants and 5.38 million voluntary pension participants.
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The JP retirement age is 59 as of January 2025 (confirmed for 2026), rising by one year every three years until it reaches 65 in 2043, per PP No. 45/2015. The JP wage ceiling for contribution calculation is adjusted annually based on the prior year's GDP growth rate; effective March 2026, the ceiling is IDR 11,086,300 per month (reflecting Indonesia's 5.11% GDP growth in 2025). Monthly JP pension benefits for 2026 range from IDR 411,400 (minimum) to IDR 4,932,300 (maximum). The Indonesian Ministry of Finance estimates replacement rates of approximately 14.5% from BPJS-JP and 12.6% from BPJS-JHT under a realistic 32-year service scenario. The JKP (job loss insurance) program was significantly reformed under PP No. 6 of 2025 (effective February 7, 2025), raising benefits to a flat 60% of salary for six months and reducing the contribution rate from 0.46% to 0.36%. Tapera (mandatory housing savings) reached full enforcement for private sector employees in 2026 at a total rate of 3% (0.5% employer, 2.5% employee).
Voluntary supplementary pensions are available through employer pension funds (DPPK) and financial institution pension funds (DPLK), supervised by the Financial Services Authority (OJK). OJK's POJK No. 35/2024 (effective March 2025) expanded DPLK eligibility to investment management companies, with PT Sinarmas Asset Management becoming the first asset manager to establish a DPLK in June 2026. Civil servants and military personnel are covered by separate schemes (Taspen and Asabri respectively), with the Ministry of Finance exploring a transfer of civil servant pension payment functions to the Directorate General of Treasury.
~27% combined (14.5% JP + 12.6% JHT) under 32-year service scenario per Ministry of Finance (2024); maximum ~53.5% for full career to age 65
Pillar 1: BPJS Ketenagakerjaan – JP (mandatory DB pension) + JHT (mandatory DC provident fund); Pillar 2: Dana Pensiun – DPPK (employer pension funds, voluntary occupational) and DPLK (financial institution pension funds, voluntary; now open to asset managers under POJK 35/2024); Pillar 3: Individual savings and private insurance
Mixed: Mandatory defined-contribution provident fund (JHT) and mandatory defined-benefit pension (JP), both administered by BPJS Ketenagakerjaan; supplemented by voluntary occupational (DPPK) and financial institution (DPLK) pension funds supervised by OJK
Employee
JHT: 2% (no cap); JP: 1% (capped at IDR 11,086,300/month from March 2026); Tapera: 2.5%; BPJS Kesehatan: 1% (capped at IDR 12,000,000/month salary base); Total mandatory: ~6.5%
Employer
JHT: 3.7% (no cap); JP: 2% (capped at IDR 11,086,300/month); JKK: 0.24%–1.74% (risk-based); JKM: 0.3%; Tapera: 0.5%; BPJS Kesehatan: 4% (capped); Total mandatory: ~10.74%–12.24%+
Self-Employed
Self-employed may voluntarily contribute to JHT (5.7% total, self-funded) and JP (3% total, self-funded) as non-wage recipients (BPU segment). Tapera: 3% self-funded (mandatory from 2026 for qualifying self-employed).
Notes
JP wage ceiling adjusted annually by prior-year GDP growth rate per PP No. 45/2015. Effective March 2026: IDR 11,086,300/month (up from IDR 10,547,400 in 2025), reflecting Indonesia's 5.11% GDP growth in 2025. JHT has no salary cap. BPJS Kesehatan (health): 4% employer + 1% employee, capped at IDR 12,000,000/month salary base. JKP contribution rate reduced from 0.46% to 0.36% under PP No. 6/2025 (Permenaker No. 3/2025). Tapera (housing savings) became mandatory for all private sector employees in 2026 at 3% total (0.5% employer + 2.5% employee). All BPJS contributions due by the 15th of the following month; 2% per month penalty for late payment.
Common questions
What is the retirement age in Indonesia?
The full state pension age in Indonesia is 59. Deferring can raise your pension up to age 65.
Can I claim a Indonesia pension if I live abroad?
Yes. A pension you've earned in Indonesia stays yours wherever you retire, and can usually be paid into an overseas account once you reach pension age. It won't start automatically, though — you need to claim it, typically a few months in advance, through Indonesia's pension authority.
Do totalization agreements affect my Indonesia pension?
Our records show Indonesia has limited or no bilateral totalization agreements, so your Indonesia contributions generally can't be combined with other countries' to qualify. Confirm the latest position with the official authority.
How is the pension system structured in Indonesia?
Mixed: Mandatory defined-contribution provident fund (JHT) and mandatory defined-benefit pension (JP), both administered by BPJS Ketenagakerjaan; supplemented by voluntary occupational (DPPK) and financial institution (DPLK) pension funds supervised by OJK Pillar 1: BPJS Ketenagakerjaan – JP (mandatory DB pension) + JHT (mandatory DC provident fund); Pillar 2: Dana Pensiun – DPPK (employer pension funds, voluntary occupational) and DPLK (financial institution pension funds, voluntary; now open to asset managers under POJK 35/2024); Pillar 3: Individual savings and private insurance It includes 8 schemes in our directory.
How do I get a copy of my Indonesia pension record?
Ask BPJS Ketenagakerjaan for your Saldo JHT (BPJS Ketenagakerjaan) (the Old-age savings (JHT) balance). It's free and you can request it yourself — our step-by-step guide on this page walks through the portal, what to have ready, and what to do if the login fails.