Key Performance Ratio Calculator

Calculate your KPR (mortgage) payments with this free online tool. Get monthly payment amount, total interest, and amortization schedule.

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About This Tool

This KPR Calculator helps you calculate mortgage payments for housing loans. Enter loan amount, interest rate, loan term, down payment, and insurance fee to get detailed results including monthly payment, total payment amount, total interest paid, and a full amortization schedule showing principal and interest breakdown over time. Perfect for planning your home purchase or refinancing.

Save your calculation history with a free account

How to Use

Enter the loan amount in the first field.
Input the annual interest rate (e.g.,
5 for
5%).
Select the loan term in years (15, 20, 25, or
.
Optionally enter down payment amount (if any).
Optionally enter insurance fee (if applicable).
Click the 'Calculate' button to see results.
View monthly payment, total costs, and amortization schedule.

Frequently Asked Questions

Find Quick Answers

What is KPR?

KPR stands for Kredit Pemilikan Rumah, which is Indonesian for Home Ownership Credit. It refers to mortgage loans for purchasing residential property.

How is the monthly payment calculated?

Monthly payment is calculated using the standard mortgage formula: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ], where M is monthly payment, P is principal loan amount, i is monthly interest rate, and n is total number of payments.

What is included in the amortization schedule?

The amortization schedule shows the breakdown of each monthly payment into principal and interest components, along with the remaining loan balance after each payment.

Can I calculate with different currencies?

Yes, you can use any currency. Just enter the loan amount in your preferred currency, and all results will be in the same currency unit.

Need to run multiple calculations?

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