{"id":23945,"date":"2026-08-05T15:15:29","date_gmt":"2026-08-05T08:15:29","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=23945"},"modified":"2026-08-05T15:37:15","modified_gmt":"2026-08-05T08:37:15","slug":"deposito-1-milyar-dapat-bunga-berapa-per-bulan","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/","title":{"rendered":"Deposito 1 Milyar Dapat Bunga Berapa Per Bulan? Ini Simulasi Lengkapnya"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Memilih mengamankan dan 1 miliar di <a href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/bunga-deposito-tertinggi-2026-23680\/\">deposito<\/a> lebih tepat daripada tabungan biasa karena adanya potensi <\/span><i><span style=\"font-weight: 400;\">return<\/span><\/i><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pertanyaannya adalah deposito 1 milyar dapat bunga berapa per bulan?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jawabannya tergantung pada suku bunga deposito yang ditawarkan bank, tenor, serta pajak bunga deposito yang berlaku. Semakin tinggi bunga depositonya, semakin besar pula yang bisa diperoleh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yuk, simak!<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Deposito_1_Milyar_Dapat_Bunga_Berapa_Per_Bulan\" >Deposito 1 Milyar Dapat Bunga Berapa Per Bulan?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#1_Cara_Menghitung_Bunga_Deposito_Rumus_Sederhana\" >1. Cara Menghitung Bunga Deposito Rumus Sederhana<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#2_Cara_Menghitung_Bunga_Deposito_Berdasarkan_Hari\" >2. Cara Menghitung Bunga Deposito Berdasarkan Hari<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Deposito_1_Milyar_Bunga_Berapa_per_Tahun\" >Deposito 1 Milyar Bunga Berapa per Tahun?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Simulasi_Deposito_1_Miliar\" >Simulasi Deposito 1 Miliar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Faktor_yang_Mempengaruhi_Bunga_Deposito\" >Faktor yang Mempengaruhi Bunga Deposito<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Suku_Bunga_Bank\" >Suku Bunga Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Tenor_Deposito\" >Tenor Deposito<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Pajak_Bunga_Deposito\" >Pajak Bunga Deposito<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Deposito_1_Miliar_Apakah_Sudah_Cukup_untuk_Hidup_dari_Bunga\" >Deposito 1 Miliar Apakah Sudah Cukup untuk Hidup dari Bunga?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Buka_IDDR_Earn_Nanovest_Sekarang\" >Buka IDDR Earn \nNanovest Sekarang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Kesimpulan\" >Kesimpulan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#FAQ\" >FAQ<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Deposito_1_milyar_dapat_bunga_berapa_per_bulan\" >Deposito 1 milyar dapat bunga berapa per bulan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Deposito_1_miliar_dapat_bunga_berapa_per_tahun\" >Deposito 1 miliar dapat bunga berapa per tahun?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Apakah_bunga_deposito_dikenakan_pajak\" >Apakah bunga deposito dikenakan pajak?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Apakah_deposito_Rp1_miliar_aman\" >Apakah deposito Rp1 miliar aman?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-1-milyar-dapat-bunga-berapa-per-bulan-23945\/#Deposito_atau_investasi_lain_mana_yang_lebih_menguntungkan\" >Deposito atau investasi lain, mana yang lebih menguntungkan?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Deposito_1_Milyar_Dapat_Bunga_Berapa_Per_Bulan\"><\/span><b>Deposito 1 Milyar Dapat Bunga Berapa Per Bulan?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Data BPS menunjukkan, bunga deposito di Indonesia berada di kisaran 4%\u20135% per tahun tergantung bank\/tempat dimana kamu menaruh deposito, tenor, dan kebijakan masing-masing bank\/platform.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Besaran bunga deposito Rp1 miliar tergantung pada suku bunga yang ditawarkan bank. Pada 2026, bunga deposito rupiah umumnya berada di kisaran 3%\u20136% per tahun, tergantung bank dan tenor yang dipilih.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebagai contoh, jika Anda menempatkan deposito Rp1 miliar dengan bunga 5% per tahun, berikut cara menghitung potensi pendapatannya.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Cara_Menghitung_Bunga_Deposito_Rumus_Sederhana\"><\/span><span style=\"font-weight: 400;\">1. Cara Menghitung Bunga Deposito Rumus Sederhana<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Rumus sederhana yang sering digunakan adalah:<\/span><\/p>\n<blockquote><p><b>Bunga per bulan = Nominal Deposito \u00d7 Suku Bunga Tahunan \u00f7 12<\/b><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Maka:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp1.000.000.000 \u00d7 5% \u00f7 12 = Rp4.166.667<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, bunga kotor yang diperoleh sekitar Rp4,17 juta per bulan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena bunga deposito dikenakan pajak final sebesar 20%, maka bunga bersih yang diterima menjadi:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp4.166.667 \u00d7 (1 \u2212 20%) = Rp3.333.333<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jadi, deposito Rp1 miliar dengan bunga 5% per tahun berpotensi menghasilkan sekitar Rp3,3 juta per bulan setelah pajak.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Cara_Menghitung_Bunga_Deposito_Berdasarkan_Hari\"><\/span><span style=\"font-weight: 400;\">2. Cara Menghitung Bunga Deposito Berdasarkan Hari<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dalam praktiknya, bank biasanya menghitung bunga deposito menggunakan jumlah hari aktual dalam periode deposito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rumusnya adalah:<\/span><\/p>\n<blockquote><p><b>Bunga Kotor = (Nominal Deposito \u00d7 Suku Bunga Tahunan \u00d7 Jumlah Hari) \u00f7 365<\/b><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Misalnya tenor deposito 1 bulan dengan asumsi 30 hari:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">( Rp1.000.000.000 \u00d7 5% \u00d7 30 ) \u00f7 365<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= Rp4.109.589<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah dipotong pajak 20%:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp4.109.589 \u00d7 80%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= Rp3.287.671<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hasil ini sedikit berbeda dengan metode pembagian 12 bulan karena bank menggunakan jumlah hari aktual dalam perhitungan bunga.<\/span><\/p>\n<p><strong>Baca juga:<\/strong> <a href=\"https:\/\/www.nanovest.io\/deposito-bca-vs-iddr-earn\/\">Deposito BCA vs IDDR Earn: Perbandingan Bunga dan Keuntungan<\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deposito_1_Milyar_Bunga_Berapa_per_Tahun\"><\/span><b>Deposito 1 Milyar Bunga Berapa per Tahun?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Jika bunga deposito 5% per tahun, maka:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp1.000.000.000 \u00d7 5%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= Rp50.000.000 per tahun (bunga kotor)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah dipotong pajak 20%:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp50.000.000 \u00d7 80%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= Rp40.000.000 per tahun (bunga bersih)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan demikian, deposito Rp1 miliar dapat menghasilkan sekitar <\/span><b>Rp40 juta per tahun setelah pajak<\/b><span style=\"font-weight: 400;\"> apabila suku bunga yang diperoleh sebesar 5% per tahun.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Simulasi_Deposito_1_Miliar\"><\/span><strong>Simulasi Deposito 1 Miliar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"max-width: 1000px; margin: 20px auto; border-radius: 24px; overflow: hidden; box-shadow: 0 10px 30px rgba(0,0,0,.08);\">\n<div style=\"max-width: 1000px; margin: 24px auto; border-radius: 24px; overflow: hidden; box-shadow: 0 12px 32px rgba(0,0,0,.08);\">\n<p><iframe style=\"border: none; display: block; background: #fff;\" title=\"Kalkulator Deposito vs IDDR Earn\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/kalkulator_deposito_vs_iddr_earn.html\" width=\"100%\" height=\"1250\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>\n<\/iframe><\/p>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Faktor_yang_Mempengaruhi_Bunga_Deposito\"><\/span><b>Faktor yang Mempengaruhi Bunga Deposito<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Besarnya bunga deposito tidak hanya ditentukan oleh nominal dana yang disimpan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Suku_Bunga_Bank\"><\/span><span style=\"font-weight: 400;\">Suku Bunga Bank<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Setiap bank memiliki kebijakan bunga yang berbeda. Bank digital sering menawarkan bunga deposito yang lebih tinggi dibanding bank konvensional.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tenor_Deposito\"><\/span><span style=\"font-weight: 400;\">Tenor Deposito<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Umumnya tersedia pilihan tenor:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 bulan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">3 bulan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">6 bulan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">12 bulan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24 bulan<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Biasanya, tenor yang lebih panjang menawarkan bunga yang lebih menarik.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pajak_Bunga_Deposito\"><\/span><span style=\"font-weight: 400;\">Pajak Bunga Deposito<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bunga deposito sebagai objek pajak PPh Pasal 4 ayat (2) sebesar 20% sehingga jumlah yang diterima nasabah lebih kecil dibanding bunga kotor yang tercantum.<\/span><\/p>\n<p><strong>Baca juga: <\/strong><a href=\"https:\/\/www.nanovest.io\/aplikasi-deposito-dengan-bunga-tertinggi\/\">10 Aplikasi Deposito dengan Bunga Tertinggi<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Deposito_1_Miliar_Apakah_Sudah_Cukup_untuk_Hidup_dari_Bunga\"><\/span><b>Deposito 1 Miliar Apakah Sudah Cukup untuk Hidup dari Bunga?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jawabannya tergantung masing-masing.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Misalnya biaya hidup Anda sebesar Rp10 juta per bulan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan bunga deposito bersih sekitar 4% per tahun, kebutuhan modalnya adalah:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp10 juta \u00d7 12 bulan = Rp120 juta per tahun<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rp120 juta \u00f7 4%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= Rp3 miliar<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, untuk memperoleh sekitar Rp10 juta per bulan dari bunga deposito, Anda membutuhkan modal sekitar <\/span><b>Rp3 miliar<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<div style=\"max-width: 1200px; margin: 20px auto; border-radius: 20px; overflow: hidden; background: linear-gradient(135deg,#0f172a 0%,#1e293b 45%,#312e81 100%); position: relative; font-family: Arial,sans-serif;\">\n<div style=\"position: absolute; top: -80px; right: -80px; width: 250px; height: 250px; background: rgba(167,243,208,.08); border-radius: 50%;\"><\/div>\n<div style=\"position: absolute; bottom: -100px; left: -100px; width: 300px; height: 300px; background: rgba(129,140,248,.08); border-radius: 50%;\"><\/div>\n<div style=\"display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 40px; flex-wrap: wrap;\">\n<div style=\"flex: 1; min-width: 280px;\">\n<div style=\"display: inline-block; padding: 8px 16px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.15); border-radius: 999px; color: #a5f3fc; font-size: 14px; font-weight: 600; margin-bottom: 18px;\">\ud83d\udcb0 IDDR Earn Nanovest<\/div>\n<h2 style=\"margin: 0; font-size: 42px; line-height: 1.1; font-weight: 800; color: #ffffff;\"><span class=\"ez-toc-section\" id=\"Buka_IDDR_Earn_Nanovest_Sekarang\"><\/span>Buka IDDR Earn<br \/>\nNanovest Sekarang<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 18px 0 0; font-size: 18px; line-height: 1.6; color: rgba(255,255,255,.85);\">Nikmati potensi fixed return hingga <strong>6,5% per tahun<\/strong>, hanya di Nanovest.<\/p>\n<\/div>\n<div style=\"display: flex; align-items: center; justify-content: center;\">\n<p><a style=\"display: inline-block; padding: 18px 34px; background: #d9ff00; color: #111827; font-size: 22px; font-weight: 800; text-decoration: none; border-radius: 999px; box-shadow: 0 10px 30px rgba(217,255,0,.35);\" href=\"https:\/\/nanovest.go.link\/?adj_t=1gw8usmw\" target=\"_blank\" rel=\"noopener\">Buka IDDR Earn \u2192<br \/>\n<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><b>Kesimpulan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jadi, deposito 1 milyar dapat bunga berapa per bulan? Jika menggunakan bunga deposito 5% per tahun, Anda bisa memperoleh sekitar Rp4,16 juta per bulan sebelum pajak atau sekitar Rp3,33 juta per bulan setelah pajak.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><b>FAQ<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Deposito_1_milyar_dapat_bunga_berapa_per_bulan\"><\/span><span style=\"font-weight: 400;\">Deposito 1 milyar dapat bunga berapa per bulan?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Jika bunga deposito 5% per tahun, bunga kotor yang diperoleh sekitar Rp4,17 juta per bulan dan bunga bersih setelah pajak sekitar Rp3,33 juta per bulan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deposito_1_miliar_dapat_bunga_berapa_per_tahun\"><\/span><span style=\"font-weight: 400;\">Deposito 1 miliar dapat bunga berapa per tahun?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pada bunga 5% per tahun, deposito Rp1 miliar menghasilkan bunga kotor Rp50 juta per tahun atau sekitar Rp40 juta per tahun setelah pajak.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Apakah_bunga_deposito_dikenakan_pajak\"><\/span><span style=\"font-weight: 400;\">Apakah bunga deposito dikenakan pajak?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ya. Bunga deposito dikenakan pajak penghasilan final sehingga jumlah yang diterima nasabah lebih kecil dibanding bunga kotor yang dihitung.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Apakah_deposito_Rp1_miliar_aman\"><\/span><span style=\"font-weight: 400;\">Apakah deposito Rp1 miliar aman?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Secara umum, deposito termasuk instrumen investasi berisiko rendah. Namun, pastikan memilih bank yang diawasi regulator dan memperhatikan ketentuan penjaminan simpanan yang berlaku.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deposito_atau_investasi_lain_mana_yang_lebih_menguntungkan\"><\/span><span style=\"font-weight: 400;\">Deposito atau investasi lain, mana yang lebih menguntungkan?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Deposito unggul dari sisi stabilitas dan risiko yang lebih rendah. Sementara itu, instrumen seperti saham, emas, ETF, atau aset kripto memiliki potensi imbal hasil yang lebih tinggi tetapi disertai risiko yang lebih besar.<\/span><\/p>\n<p><a href=\"https:\/\/nanovest.go.link\/?adj_t=1gw8usmw\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-23947 aligncenter\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest.webp\" alt=\"IDDR earn nanovest\" width=\"1208\" height=\"219\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest.webp 1208w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest-300x54.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest-1024x186.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest-768x139.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest-1200x218.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest-150x27.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/IDDR-earn-nanovest-450x82.webp 450w\" sizes=\"(max-width: 1208px) 100vw, 1208px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Memilih mengamankan dan 1 miliar di deposito lebih tepat daripada tabungan biasa karena adanya potensi return.\u00a0 Pertanyaannya adalah deposito 1 milyar dapat bunga berapa per bulan? Jawabannya tergantung pada suku bunga deposito yang ditawarkan bank, tenor, serta pajak bunga deposito yang berlaku. Semakin tinggi bunga depositonya, semakin besar pula yang bisa diperoleh. Yuk, simak! Deposito<\/p>\n","protected":false},"author":36,"featured_media":23946,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-23945","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tips-dan-tutorial"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Jadi, deposito 1 milyar dapat bunga berapa per bulan? 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