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Untuk apa CalcWize

CalcWize membantu Anda merangkai pertanyaan keuangan dan praktis sehari-hari sebelum Anda membawanya ke profesional. Bisakah Anda membeli rumah ini? Berapa banyak penghematan dari pembayaran KPR ekstra selama tiga puluh tahun? Apakah rencana pensiun Anda berada di jalur yang benar? Seperti apa sebenarnya kenaikan gaji 5% setelah pajak? Kalkulator memberi Anda serangkaian angka yang jelas — titik awal yang dapat Anda bawa ke penasihat keuangan, akuntan, atau broker KPR untuk percakapan nyata.

Setiap kalkulator dibuka dengan penjelasan singkat untuk apa, asumsi apa yang digunakan, dan apa yang secara eksplisit tidak dimodelkannya. Intinya adalah menetapkan ekspektasi dengan jujur: ini adalah estimasi, bukan saran. Berguna untuk perencanaan, perbandingan, dan uji ketahanan — bukan untuk melaporkan SPT pajak atau menandatangani pinjaman.

Kalkulator uang

Tujuh alat mencakup keputusan uang umum: perencana anggaran bulanan dengan aturan 50 / 30 / 20 yang dibangun di dalamnya, kalkulator pinjaman / amortisasi dengan pemodelan pembayaran ekstra, kalkulator keterjangkauan rumah yang menggunakan batas DTI dan asumsi pajak properti spesifik per negara, proyektor bunga majemuk untuk tabungan jangka panjang, perencana pensiun dengan toggle "uang hari ini" yang disesuaikan inflasi, estimator pajak penghasilan dengan lapisan terkini untuk lebih dari dua puluh negara, dan kalkulator ROI / CAGR investasi yang memungkinkan Anda membandingkan imbal hasil di periode kepemilikan berbeda secara setara.

• Monthly Budget Planner — Map your monthly income and expenses, see what's left, and check it against the 50/30/20 needs/wants/savings rule.
• Loan Repayment Calculator — Work out the monthly payment, total interest, and payoff date on any loan. Add an extra-payment to see how many months and how much interest you save.
• Home Affordability Calculator — Work back from your income, debts, and down payment to a sane home purchase price using debt-to-income limits and country-specific tax assumptions.
• Compound Interest Calculator — See how your starting balance plus monthly contributions grow over time at a given annual rate. Includes a year-by-year breakdown of contributions vs. interest earned.
• Retirement Planner — Project your retirement savings, see your safe annual withdrawal, and find the gap to your target. Inflation-adjusted "today's money" toggle included.
• Income Tax Estimator — Estimate income tax across 14 countries using each authority's current brackets. Includes retirement deductions, fringe benefits, age rebates, and refund-or-owe.
• Investment ROI Calculator — Calculate total return and annualised growth (CAGR) on any investment. Compare options on equal footing across different holding periods.
• Salary & Paycheck Calculator — Convert an annual salary to monthly, weekly, and hourly pay, and apply an effective tax rate to estimate take-home pay.

Kalkulator mobil

Membeli mobil adalah salah satu pengeluaran besar sehari-hari. Empat alat mencakup seluruh keputusan: berapa yang sanggup Anda beli dengan aturan 20/4/10, biaya nyata kredit, sewa atau beli, dan total biaya kepemilikan.

• Car Affordability Calculator — Find the car price you can actually afford with the 20/4/10 rule: 20% down, a 4-year loan, and total car costs under 10% of your income.
• Car Loan Calculator — Work out a car loan’s monthly payment, total interest, and amount financed — including down payment, trade-in, sales tax, and dealer fees.
• Lease vs Buy Calculator — Compare the true cost of leasing versus financing the same car over the same period, including resale value, to see which is genuinely cheaper.
• Car Cost of Ownership Calculator — Add up what a car really costs — depreciation, fuel, insurance, maintenance, and registration — over the years you own it, per month and per mile.

Utang & tabungan

Empat alat untuk keluar dari utang dan membangun bantalan: membandingkan strategi pelunasan, melihat berapa lama kartu sebenarnya, merencanakan target tabungan, dan mengukur dana darurat yang harus didahulukan.

• Debt Payoff Calculator — List your debts and compare the snowball and avalanche payoff methods — which clears your debt fastest and with the least interest.
• Credit Card Payoff Calculator — See how long a credit card takes to clear at a set monthly payment, and how much interest you’ll pay. Find a payment that actually makes progress.
• Savings Goal Calculator — Find out how long it takes to reach a savings goal at your monthly contribution and return rate, and how much of the total is interest.
• Emergency Fund Calculator — Size your emergency fund in months of essential expenses, see how covered you are today, and how long to reach a safe target.

Alat konversi

Dua konverter untuk matematika lintas-sistem sehari-hari: konverter mata uang yang menggunakan tarif referensi indikatif untuk perjalanan, belanja, atau menilai tawaran dalam mata uang lain, dan konverter satuan untuk panjang, berat, volume, suhu, waktu, dan kecepatan — resep, DIY, perjalanan, atau setiap kali seseorang memberi Anda angka dalam sistem yang salah.

• Currency Converter — Convert between major currencies using indicative rates. Good for travel, shopping, or quick estimates — not for booking a real trade.
• Unit Converter — Switch between metric and imperial units in either direction — recipes, travel, DIY, or any time someone hands you a number in the wrong system.

Kalkulator kehidupan sehari-hari

Tiga alat kecil yang Anda raih di luar uang: tip dan pembagian tagihan (dengan mode pemindaian foto opsional untuk struk restoran), BMI dalam metrik atau imperial dengan kategori WHO standar, dan kalkulator ilmiah lengkap berbasis keyboard dengan trigonometri, logaritma, faktorial, dan eksponensiasi untuk pekerjaan rumah atau pemeriksaan teknik cepat.

• Tip Calculator & Bill Splitter — Calculate the tip on a restaurant bill and split the total across N people. Round-up control included.
• BMI Calculator — Calculate body-mass index from height and weight in metric or imperial units. Standard WHO categories included. Screening, not diagnosis.
• Scientific Calculator — A full scientific calculator with sin/cos/tan, log/ln, square root, factorials, and exponentiation. Type or click — your choice.
• Percentage Calculator — Find a percentage of a number, what percent one value is of another, and the percent change between two numbers — fast, with worked examples.
• Age Calculator — Calculate your exact age in years, months, and days, the days to your next birthday, and the difference between any two dates.
• Sales Tax & VAT Calculator — Add sales tax or VAT to a price, or remove it from a tax-inclusive total, to see the net amount, the tax, and the total.
• TDEE & Calorie Calculator — Estimate your daily calorie burn (TDEE) from the Mifflin–St Jeor equation and activity level, with targets to maintain, lose, or gain weight.

Panduan & bacaan

Panduan berbahasa sederhana tentang ide di balik kalkulator — cara kerja pelunasan kredit, mengapa mulai lebih awal menguntungkan, apa yang dijanjikan aturan 4%, perbandingan metode anggaran, dan lainnya.

• How Loan Amortisation Actually Works — Your loan payment never changes, but the split between interest and principal shifts every month. Here is why early payments feel like treading water — and how to fix it.
• Compound Interest: Why Time Beats Timing — Compound interest rewards patience more than cleverness. Here is how interest-on-interest works, why the last decade does the heavy lifting, and what quietly works against you.
• The 4% Rule, and the Case Against It — The 4% rule is the most quoted number in retirement planning. Here is where it came from, what it actually promises, and why many planners now treat it with caution.
• Five Budgeting Methods, Honestly Compared — There is no single best budget — only the one you will actually keep. Here are five popular methods, who each one suits, and where each one quietly falls apart.
• How Much House Can You Really Afford? — The maximum a bank will lend you is a ceiling, not a target. Here are the costs a mortgage payment hides and a saner way to set your own limit.
• Marginal vs Effective Tax Rates Explained — A raise into a higher tax bracket will not leave you worse off. Here is why brackets are marginal, what your effective rate really is, and when each number matters.
• Buying a Car: How to Get the Numbers Right — How to set a car budget, choose new vs used, finance sensibly, and weigh the true cost of ownership — without being steered by the monthly payment.
• Debt Snowball vs Avalanche: Which Pays Off Debt Faster? — The avalanche saves the most interest; the snowball keeps you motivated. Here is how each method works, when the gap actually matters, and how to choose.
• How Big Should Your Emergency Fund Be? — Three months, six, or twelve? How to size an emergency fund on your real essentials, where to keep it, and why it comes before investing or extra debt payments.
• Gross vs Net Pay: What Actually Lands in Your Account — Why your take-home is smaller than your salary, what the deductions are, and how to compare a salaried offer with an hourly rate on equal terms.

Privasi & cara data Anda ditangani

Setiap input yang Anda ketik ke kalkulator CalcWize tetap di penyimpanan lokal browser di perangkat ini. Tidak ada akun, tidak ada basis data sisi server, tidak ada analitik yang melacak nilai individu, dan tidak ada cookie yang mengikuti Anda ke situs lain. Jika Anda menghapus data browser, skenario tersimpan ikut terhapus — itulah pertukaran karena tidak memiliki server yang menyimpannya. Detail lengkap ada di Kebijakan Privasi kami.

CalcWize menampilkan iklan Google AdSense pada halaman hasil kalkulator agar alat tetap gratis. Persetujuan cookie ditanyakan saat kunjungan pertama, dan Anda dapat menolak dan terus menggunakan setiap kalkulator tanpa perubahan fungsional selain tidak melihat iklan.

Terjemahan

CalcWize saat ini tersedia dalam 21 bahasa termasuk Inggris, Spanyol, Prancis, Portugis (Brasil), Jerman, Belanda, Italia, Swedia, Rumania, Bulgaria, Rusia, Ukraina, Korea, Jepang, Mandarin (sederhana dan tradisional), Kanton, Indonesia, Melayu, Thai, dan Hindi. Terjemahan antarmuka dalam fase beta — Anda dapat mengganti bahasa dari topbar kapan saja. Halaman penjelasan panjang pada setiap kalkulator kini juga tersedia dalam semua bahasa yang didukung.