Simulasi Tabungan Bank Rifi<\/title>\r\n <style>\r\n body {\r\n font-family: sans-serif;\r\n line-height: 1.6;\r\n margin: 20px;\r\n background-color: #f4f4f4;\r\n color: #333;\r\n }\r\n .container {\r\n max-width: 800px; \/* Lebarkan container untuk tabel *\/\r\n margin: 20px auto;\r\n padding: 20px;\r\n background-color: #fff;\r\n box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);\r\n border-radius: 8px;\r\n }\r\n h1, h2 {\r\n text-align: center;\r\n color: #333;\r\n margin-bottom: 20px;\r\n }\r\n .form-group {\r\n margin-bottom: 15px;\r\n }\r\n label {\r\n display: block;\r\n margin-bottom: 5px;\r\n font-weight: bold;\r\n color: #555;\r\n }\r\n input[type=\"number\"] {\r\n width: 100%;\r\n padding: 8px;\r\n border: 1px solid #ccc;\r\n border-radius: 4px;\r\n box-sizing: border-box;\r\n }\r\n button {\r\n display: block;\r\n width: 100%;\r\n padding: 10px;\r\n background-color: #007bff; \/* Warna tombol biru *\/\r\n color: white;\r\n border: none;\r\n border-radius: 4px;\r\n font-size: 16px;\r\n cursor: pointer;\r\n transition: background-color 0.3s ease;\r\n }\r\n button:hover {\r\n background-color: #0056b3;\r\n }\r\n .results {\r\n margin-top: 20px;\r\n padding: 15px;\r\n border-top: 1px solid #eee;\r\n background-color: #e9ecef; \/* Warna latar belakang hasil *\/\r\n border-radius: 4px;\r\n }\r\n .results h2 {\r\n margin-top: 0;\r\n padding-bottom: 10px;\r\n border-bottom: 1px solid #ccc;\r\n color: #333;\r\n text-align: left;\r\n }\r\n .results p {\r\n margin-bottom: 8px;\r\n }\r\n .results p strong {\r\n display: inline-block;\r\n width: 250px; \/* Adjust as needed for alignment *\/\r\n }\r\n .error {\r\n color: red;\r\n margin-top: 10px;\r\n text-align: center;\r\n font-weight: bold;\r\n }\r\n\r\n .monthly-breakdown {\r\n margin-top: 30px;\r\n padding: 15px;\r\n border-top: 1px solid #eee;\r\n }\r\n .monthly-breakdown h2 {\r\n margin-top: 0;\r\n padding-bottom: 10px;\r\n border-bottom: 1px solid #ccc;\r\n color: #333;\r\n text-align: left;\r\n }\r\n .monthly-breakdown table {\r\n width: 100%;\r\n border-collapse: collapse;\r\n margin-top: 15px;\r\n font-size: 0.9em; \/* Perkecil font tabel *\/\r\n }\r\n .monthly-breakdown th,\r\n .monthly-breakdown td {\r\n border: 1px solid #ddd;\r\n padding: 8px;\r\n text-align: right; \/* Angka di rata kanan *\/\r\n }\r\n .monthly-breakdown th {\r\n text-align: center; \/* Header rata tengah *\/\r\n background-color: #007bff;\r\n color: white;\r\n }\r\n .monthly-breakdown tbody tr:nth-child(even) {\r\n background-color: #f2f2f2; \/* Warna selang-seling *\/\r\n }\r\n .monthly-breakdown th:first-child,\r\n .monthly-breakdown td:first-child {\r\n text-align: center; \/* Kolom bulan rata tengah *\/\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n\r\n <div class=\"container\">\r\n <h1>Simulasi Tabungan Bank Rifi<\/h1>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"pokokAwal\">Pokok Awal (Rp)<\/label>\r\n <input type=\"number\" id=\"pokokAwal\" value=\"0\" min=\"0\">\r\n <\/div>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"setoranBulanan\">Setoran Bulanan (Rp)<\/label>\r\n <input type=\"number\" id=\"setoranBulanan\" value=\"0\" min=\"0\">\r\n <\/div>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"sukuBungaTahunan\">Suku Bunga Tahunan (%)<\/label>\r\n <input type=\"number\" id=\"sukuBungaTahunan\" value=\"0\" step=\"0.01\" min=\"0\">\r\n <\/div>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"durasiTahun\">Durasi Menabung (Tahun)<\/label>\r\n <input type=\"number\" id=\"durasiTahun\" value=\"0\" min=\"1\">\r\n <\/div>\r\n\r\n <button id=\"hitungBtn\">Hitung Simulasi<\/button>\r\n\r\n <div class=\"error\" id=\"errorMessage\"><\/div>\r\n\r\n <div class=\"results\" id=\"hasilSimulasi\">\r\n <\/div>\r\n\r\n <div class=\"monthly-breakdown\" id=\"monthlyBreakdown\">\r\n <h2>Rincian Per Bulan<\/h2>\r\n <table>\r\n <thead>\r\n <tr>\r\n <th>Bulan<\/th>\r\n <th>Saldo Awal Bulan<\/th>\r\n <th>Bunga Bruto<\/th>\r\n <th>Pajak Bunga (20%)<\/th>\r\n <th>Bunga Neto<\/th>\r\n <th>Setoran Bulan Ini<\/th>\r\n <th>Saldo Akhir Bulan<\/th>\r\n <\/tr>\r\n \t\t\t <p><small>*Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= Rp 7.500.000. Simulasi ini menggunakan perhitungan bunga sederhana dan tidak memperhitungkan biaya administrasi bank.<\/small><\/p>\r\n <\/thead>\r\n <tbody id=\"monthlyTableBody\">\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n\r\n <script>\r\n document.getElementById('hitungBtn').addEventListener('click', function() {\r\n \/\/ Ambil nilai dari input\r\n const pokokAwal = parseFloat(document.getElementById('pokokAwal').value);\r\n const setoranBulanan = parseFloat(document.getElementById('setoranBulanan').value);\r\n const sukuBungaTahunan = parseFloat(document.getElementById('sukuBungaTahunan').value);\r\n const durasiTahun = parseFloat(document.getElementById('durasiTahun').value);\r\n\r\n const errorMessageDiv = document.getElementById('errorMessage');\r\n const hasilSimulasiDiv = document.getElementById('hasilSimulasi');\r\n const monthlyTableBody = document.getElementById('monthlyTableBody');\r\n\r\n \/\/ Reset pesan error dan hasil sebelumnya\r\n errorMessageDiv.textContent = '';\r\n hasilSimulasiDiv.innerHTML = '';\r\n monthlyTableBody.innerHTML = ''; \/\/ Kosongkan tabel rincian\r\n\r\n \/\/ Validasi input\r\n if (isNaN(pokokAwal) || isNaN(setoranBulanan) || isNaN(sukuBungaTahunan) || isNaN(durasiTahun)) {\r\n errorMessageDiv.textContent = 'Mohon masukkan semua nilai dengan angka yang valid.';\r\n return;\r\n }\r\n if (pokokAwal < 0 || setoranBulanan < 0 || sukuBungaTahunan < 0 || durasiTahun <= 0) {\r\n errorMessageDiv.textContent = 'Nilai pokok awal, setoran bulanan, dan bunga tidak boleh negatif. Durasi harus minimal 1 tahun.';\r\n return;\r\n }\r\n\r\n\r\n \/\/ Konstanta Pajak\r\n const PAJAK_THRESHOLD = 7500000; \/\/ Rp 7.500.000\r\n const PAJAK_RATE = 0.20; \/\/ 20%\r\n\r\n \/\/ Hitung parameter bulanan\r\n const sukuBungaBulanan = (sukuBungaTahunan \/ 100) \/ 12;\r\n const totalBulan = durasiTahun * 12;\r\n\r\n let saldoSaatIni = pokokAwal;\r\n let totalPajak = 0;\r\n let totalBungaNeto = 0;\r\n let totalSetoranManual = pokokAwal; \/\/ Mulai dengan pokok awal\r\n\r\n const monthlyDetails = []; \/\/ Array untuk menyimpan rincian per bulan\r\n\r\n \/\/ Simulasi bulan demi bulan\r\n for (let bulan = 1; bulan <= totalBulan; bulan++) {\r\n const saldoAwalBulanIni = saldoSaatIni; \/\/ Saldo sebelum bunga dan setoran bulan ini\r\n\r\n \/\/ Hitung bunga bruto (sebelum pajak)\r\n const bungaBruto = saldoAwalBulanIni * sukuBungaBulanan;\r\n\r\n \/\/ Hitung pajak bunga jika saldo di atas threshold\r\n const pajakBulanIni = (saldoAwalBulanIni > PAJAK_THRESHOLD) ? bungaBruto * PAJAK_RATE : 0;\r\n\r\n \/\/ Hitung bunga neto (setelah pajak)\r\n const bungaNetoBulanIni = bungaBruto - pajakBulanIni;\r\n\r\n \/\/ Tambahkan bunga neto ke saldo\r\n saldoSaatIni += bungaNetoBulanIni;\r\n\r\n \/\/ Tambahkan setoran bulanan\r\n saldoSaatIni += setoranBulanan;\r\n\r\n \/\/ Akumulasi total bunga neto dan total pajak\r\n totalBungaNeto += bungaNetoBulanIni;\r\n totalPajak += pajakBulanIni;\r\n if(bulan > 0) { \/\/ Setoran bulanan dihitung dari bulan pertama\r\n totalSetoranManual += setoranBulanan;\r\n }\r\n\r\n\r\n \/\/ Simpan detail bulan ini\r\n monthlyDetails.push({\r\n bulan: bulan,\r\n saldoAwal: saldoAwalBulanIni,\r\n bungaBruto: bungaBruto,\r\n pajak: pajakBulanIni,\r\n bungaNeto: bungaNetoBulanIni,\r\n setoran: setoranBulanan, \/\/ Setoran tetap per bulan\r\n saldoAkhir: saldoSaatIni \/\/ Saldo setelah bunga neto dan setoran ditambahkan\r\n });\r\n }\r\n\r\n \/\/ Koreksi totalSetoranManual jika ada pokok awal\r\n totalSetoranManual = pokokAwal + (setoranBulanan * totalBulan);\r\n\r\n\r\n const saldoAkhirTotal = saldoSaatIni;\r\n\r\n \/\/ Format angka ke mata uang Rupiah\r\n const formatter = new Intl.NumberFormat('id-ID', {\r\n style: 'currency',\r\n currency: 'IDR',\r\n minimumFractionDigits: 2,\r\n maximumFractionDigits: 2,\r\n });\r\n\r\n \/\/ Format angka biasa (untuk Bunga Bruto di tabel jika perlu tanpa simbol Rp)\r\n const numberFormatter = new Intl.NumberFormat('id-ID', {\r\n minimumFractionDigits: 2,\r\n maximumFractionDigits: 2,\r\n });\r\n\r\n\r\n \/\/ Tampilkan hasil summary\r\n hasilSimulasiDiv.innerHTML = `\r\n <h2>Ringkasan Hasil Simulasi<\/h2>\r\n <p><strong>Pokok Awal:<\/strong> ${formatter.format(pokokAwal)}<\/p>\r\n <p><strong>Total Setoran (termasuk Pokok Awal):<\/strong> ${formatter.format(totalSetoranManual)}<\/p>\r\n <p><strong>Total Bunga Neto:<\/strong> ${formatter.format(totalBungaNeto)}<\/p>\r\n <p><strong>Total Pajak Bunga:<\/strong> ${formatter.format(totalPajak)}<\/p>\r\n <p><strong>Saldo Akhir (Perkiraan):<\/strong> ${formatter.format(saldoAkhirTotal)}<\/p>\r\n `;\r\n\r\n \/\/ Bangun dan tampilkan tabel rincian bulanan\r\n let tableHtml = '';\r\n monthlyDetails.forEach(detail => {\r\n tableHtml += `\r\n <tr>\r\n <td>${detail.bulan}<\/td>\r\n <td>${formatter.format(detail.saldoAwal)}<\/td>\r\n <td>${formatter.format(detail.bungaBruto)}<\/td>\r\n <td>${formatter.format(detail.pajak)}<\/td>\r\n <td>${formatter.format(detail.bungaNeto)}<\/td>\r\n <td>${formatter.format(detail.setoran)}<\/td>\r\n <td>${formatter.format(detail.saldoAkhir)}<\/td>\r\n <\/tr>\r\n `;\r\n });\r\n monthlyTableBody.innerHTML = tableHtml;\r\n\r\n \/\/ Gulir ke bawah untuk melihat hasil\r\n document.getElementById('monthlyBreakdown').scrollIntoView({ behavior: 'smooth' });\r\n });\r\n <\/script>\r\n <\/footer>\r\n\t<div class=\"container\">\r\n <p>\u00a9 2025 Simulasi Tabungan Bank Rifi. Alat ini hanya untuk perkiraan atau estimasi, untuk hasil aktual silahkan hubungi kami.<\/p>\r\n <\/div>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulasi Tabungan Bank Rifi Simulasi Tabungan Bank Rifi Pokok Awal (Rp) Setoran Bulanan (Rp) Suku Bunga Tahunan (%) Durasi Menabung (Tahun) Hitung Simulasi Rincian Per Bulan Bulan Saldo Awal Bulan Bunga Bruto Pajak Bunga (20%) Bunga Neto Setoran Bulan Ini Saldo Akhir Bulan *Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-650","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Simulasi Tabungan -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simulasi Tabungan -\" \/>\n<meta property=\"og:description\" content=\"Simulasi Tabungan Bank Rifi Simulasi Tabungan Bank Rifi Pokok Awal (Rp) Setoran Bulanan (Rp) Suku Bunga Tahunan (%) Durasi Menabung (Tahun) Hitung Simulasi Rincian Per Bulan Bulan Saldo Awal Bulan Bunga Bruto Pajak Bunga (20%) Bunga Neto Setoran Bulan Ini Saldo Akhir Bulan *Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bprrifimaligi\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-18T03:15:18+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\",\"url\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\",\"name\":\"Simulasi Tabungan -\",\"isPartOf\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\"},\"datePublished\":\"2025-06-18T03:02:49+00:00\",\"dateModified\":\"2025-06-18T03:15:18+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.bankrifi.co.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulasi Tabungan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\",\"url\":\"https:\/\/www.bankrifi.co.id\/\",\"name\":\"www.bankrifi.co.id\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bankrifi.co.id\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\",\"name\":\"PT. 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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Simulasi Tabungan Bank Rifi<\/title>\r\n <style>\r\n body {\r\n font-family: sans-serif;\r\n line-height: 1.6;\r\n margin: 20px;\r\n background-color: #f4f4f4;\r\n color: #333;\r\n }\r\n .container {\r\n max-width: 800px; \/* Lebarkan container untuk tabel *\/\r\n margin: 20px auto;\r\n padding: 20px;\r\n background-color: #fff;\r\n box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);\r\n border-radius: 8px;\r\n }\r\n h1, h2 {\r\n text-align: center;\r\n color: #333;\r\n margin-bottom: 20px;\r\n }\r\n .form-group {\r\n margin-bottom: 15px;\r\n }\r\n label {\r\n display: block;\r\n margin-bottom: 5px;\r\n font-weight: bold;\r\n color: #555;\r\n }\r\n input[type=\"number\"] {\r\n width: 100%;\r\n padding: 8px;\r\n border: 1px solid #ccc;\r\n border-radius: 4px;\r\n box-sizing: border-box;\r\n }\r\n button {\r\n display: block;\r\n width: 100%;\r\n padding: 10px;\r\n background-color: #007bff; \/* Warna tombol biru *\/\r\n color: white;\r\n border: none;\r\n border-radius: 4px;\r\n font-size: 16px;\r\n cursor: pointer;\r\n transition: background-color 0.3s ease;\r\n }\r\n button:hover {\r\n background-color: #0056b3;\r\n }\r\n .results {\r\n margin-top: 20px;\r\n padding: 15px;\r\n border-top: 1px solid #eee;\r\n background-color: #e9ecef; \/* Warna latar belakang hasil *\/\r\n border-radius: 4px;\r\n }\r\n .results h2 {\r\n margin-top: 0;\r\n padding-bottom: 10px;\r\n border-bottom: 1px solid #ccc;\r\n color: #333;\r\n text-align: left;\r\n }\r\n .results p {\r\n margin-bottom: 8px;\r\n }\r\n .results p strong {\r\n display: inline-block;\r\n width: 250px; \/* Adjust as needed for alignment *\/\r\n }\r\n .error {\r\n color: red;\r\n margin-top: 10px;\r\n text-align: center;\r\n font-weight: bold;\r\n }\r\n\r\n .monthly-breakdown {\r\n margin-top: 30px;\r\n padding: 15px;\r\n border-top: 1px solid #eee;\r\n }\r\n .monthly-breakdown h2 {\r\n margin-top: 0;\r\n padding-bottom: 10px;\r\n border-bottom: 1px solid #ccc;\r\n color: #333;\r\n text-align: left;\r\n }\r\n .monthly-breakdown table {\r\n width: 100%;\r\n border-collapse: collapse;\r\n margin-top: 15px;\r\n font-size: 0.9em; \/* Perkecil font tabel *\/\r\n }\r\n .monthly-breakdown th,\r\n .monthly-breakdown td {\r\n border: 1px solid #ddd;\r\n padding: 8px;\r\n text-align: right; \/* Angka di rata kanan *\/\r\n }\r\n .monthly-breakdown th {\r\n text-align: center; \/* Header rata tengah *\/\r\n background-color: #007bff;\r\n color: white;\r\n }\r\n .monthly-breakdown tbody tr:nth-child(even) {\r\n background-color: #f2f2f2; \/* Warna selang-seling *\/\r\n }\r\n .monthly-breakdown th:first-child,\r\n .monthly-breakdown td:first-child {\r\n text-align: center; \/* Kolom bulan rata tengah *\/\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n\r\n <div class=\"container\">\r\n <h1>Simulasi Tabungan Bank Rifi<\/h1>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"pokokAwal\">Pokok Awal (Rp)<\/label>\r\n <input type=\"number\" id=\"pokokAwal\" value=\"0\" min=\"0\">\r\n <\/div>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"setoranBulanan\">Setoran Bulanan (Rp)<\/label>\r\n <input type=\"number\" id=\"setoranBulanan\" value=\"0\" min=\"0\">\r\n <\/div>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"sukuBungaTahunan\">Suku Bunga Tahunan (%)<\/label>\r\n <input type=\"number\" id=\"sukuBungaTahunan\" value=\"0\" step=\"0.01\" min=\"0\">\r\n <\/div>\r\n\r\n <div class=\"form-group\">\r\n <label for=\"durasiTahun\">Durasi Menabung (Tahun)<\/label>\r\n <input type=\"number\" id=\"durasiTahun\" value=\"0\" min=\"1\">\r\n <\/div>\r\n\r\n <button id=\"hitungBtn\">Hitung Simulasi<\/button>\r\n\r\n <div class=\"error\" id=\"errorMessage\"><\/div>\r\n\r\n <div class=\"results\" id=\"hasilSimulasi\">\r\n <\/div>\r\n\r\n <div class=\"monthly-breakdown\" id=\"monthlyBreakdown\">\r\n <h2>Rincian Per Bulan<\/h2>\r\n <table>\r\n <thead>\r\n <tr>\r\n <th>Bulan<\/th>\r\n <th>Saldo Awal Bulan<\/th>\r\n <th>Bunga Bruto<\/th>\r\n <th>Pajak Bunga (20%)<\/th>\r\n <th>Bunga Neto<\/th>\r\n <th>Setoran Bulan Ini<\/th>\r\n <th>Saldo Akhir Bulan<\/th>\r\n <\/tr>\r\n \t\t\t <p><small>*Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= Rp 7.500.000. Simulasi ini menggunakan perhitungan bunga sederhana dan tidak memperhitungkan biaya administrasi bank.<\/small><\/p>\r\n <\/thead>\r\n <tbody id=\"monthlyTableBody\">\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n\r\n <script>\r\n document.getElementById('hitungBtn').addEventListener('click', function() {\r\n \/\/ Ambil nilai dari input\r\n const pokokAwal = parseFloat(document.getElementById('pokokAwal').value);\r\n const setoranBulanan = parseFloat(document.getElementById('setoranBulanan').value);\r\n const sukuBungaTahunan = parseFloat(document.getElementById('sukuBungaTahunan').value);\r\n const durasiTahun = parseFloat(document.getElementById('durasiTahun').value);\r\n\r\n const errorMessageDiv = document.getElementById('errorMessage');\r\n const hasilSimulasiDiv = document.getElementById('hasilSimulasi');\r\n const monthlyTableBody = document.getElementById('monthlyTableBody');\r\n\r\n \/\/ Reset pesan error dan hasil sebelumnya\r\n errorMessageDiv.textContent = '';\r\n hasilSimulasiDiv.innerHTML = '';\r\n monthlyTableBody.innerHTML = ''; \/\/ Kosongkan tabel rincian\r\n\r\n \/\/ Validasi input\r\n if (isNaN(pokokAwal) || isNaN(setoranBulanan) || isNaN(sukuBungaTahunan) || isNaN(durasiTahun)) {\r\n errorMessageDiv.textContent = 'Mohon masukkan semua nilai dengan angka yang valid.';\r\n return;\r\n }\r\n if (pokokAwal < 0 || setoranBulanan < 0 || sukuBungaTahunan < 0 || durasiTahun <= 0) {\r\n errorMessageDiv.textContent = 'Nilai pokok awal, setoran bulanan, dan bunga tidak boleh negatif. Durasi harus minimal 1 tahun.';\r\n return;\r\n }\r\n\r\n\r\n \/\/ Konstanta Pajak\r\n const PAJAK_THRESHOLD = 7500000; \/\/ Rp 7.500.000\r\n const PAJAK_RATE = 0.20; \/\/ 20%\r\n\r\n \/\/ Hitung parameter bulanan\r\n const sukuBungaBulanan = (sukuBungaTahunan \/ 100) \/ 12;\r\n const totalBulan = durasiTahun * 12;\r\n\r\n let saldoSaatIni = pokokAwal;\r\n let totalPajak = 0;\r\n let totalBungaNeto = 0;\r\n let totalSetoranManual = pokokAwal; \/\/ Mulai dengan pokok awal\r\n\r\n const monthlyDetails = []; \/\/ Array untuk menyimpan rincian per bulan\r\n\r\n \/\/ Simulasi bulan demi bulan\r\n for (let bulan = 1; bulan <= totalBulan; bulan++) {\r\n const saldoAwalBulanIni = saldoSaatIni; \/\/ Saldo sebelum bunga dan setoran bulan ini\r\n\r\n \/\/ Hitung bunga bruto (sebelum pajak)\r\n const bungaBruto = saldoAwalBulanIni * sukuBungaBulanan;\r\n\r\n \/\/ Hitung pajak bunga jika saldo di atas threshold\r\n const pajakBulanIni = (saldoAwalBulanIni > PAJAK_THRESHOLD) ? bungaBruto * PAJAK_RATE : 0;\r\n\r\n \/\/ Hitung bunga neto (setelah pajak)\r\n const bungaNetoBulanIni = bungaBruto - pajakBulanIni;\r\n\r\n \/\/ Tambahkan bunga neto ke saldo\r\n saldoSaatIni += bungaNetoBulanIni;\r\n\r\n \/\/ Tambahkan setoran bulanan\r\n saldoSaatIni += setoranBulanan;\r\n\r\n \/\/ Akumulasi total bunga neto dan total pajak\r\n totalBungaNeto += bungaNetoBulanIni;\r\n totalPajak += pajakBulanIni;\r\n if(bulan > 0) { \/\/ Setoran bulanan dihitung dari bulan pertama\r\n totalSetoranManual += setoranBulanan;\r\n }\r\n\r\n\r\n \/\/ Simpan detail bulan ini\r\n monthlyDetails.push({\r\n bulan: bulan,\r\n saldoAwal: saldoAwalBulanIni,\r\n bungaBruto: bungaBruto,\r\n pajak: pajakBulanIni,\r\n bungaNeto: bungaNetoBulanIni,\r\n setoran: setoranBulanan, \/\/ Setoran tetap per bulan\r\n saldoAkhir: saldoSaatIni \/\/ Saldo setelah bunga neto dan setoran ditambahkan\r\n });\r\n }\r\n\r\n \/\/ Koreksi totalSetoranManual jika ada pokok awal\r\n totalSetoranManual = pokokAwal + (setoranBulanan * totalBulan);\r\n\r\n\r\n const saldoAkhirTotal = saldoSaatIni;\r\n\r\n \/\/ Format angka ke mata uang Rupiah\r\n const formatter = new Intl.NumberFormat('id-ID', {\r\n style: 'currency',\r\n currency: 'IDR',\r\n minimumFractionDigits: 2,\r\n maximumFractionDigits: 2,\r\n });\r\n\r\n \/\/ Format angka biasa (untuk Bunga Bruto di tabel jika perlu tanpa simbol Rp)\r\n const numberFormatter = new Intl.NumberFormat('id-ID', {\r\n minimumFractionDigits: 2,\r\n maximumFractionDigits: 2,\r\n });\r\n\r\n\r\n \/\/ Tampilkan hasil summary\r\n hasilSimulasiDiv.innerHTML = `\r\n <h2>Ringkasan Hasil Simulasi<\/h2>\r\n <p><strong>Pokok Awal:<\/strong> ${formatter.format(pokokAwal)}<\/p>\r\n <p><strong>Total Setoran (termasuk Pokok Awal):<\/strong> ${formatter.format(totalSetoranManual)}<\/p>\r\n <p><strong>Total Bunga Neto:<\/strong> ${formatter.format(totalBungaNeto)}<\/p>\r\n <p><strong>Total Pajak Bunga:<\/strong> ${formatter.format(totalPajak)}<\/p>\r\n <p><strong>Saldo Akhir (Perkiraan):<\/strong> ${formatter.format(saldoAkhirTotal)}<\/p>\r\n `;\r\n\r\n \/\/ Bangun dan tampilkan tabel rincian bulanan\r\n let tableHtml = '';\r\n monthlyDetails.forEach(detail => {\r\n tableHtml += `\r\n <tr>\r\n <td>${detail.bulan}<\/td>\r\n <td>${formatter.format(detail.saldoAwal)}<\/td>\r\n <td>${formatter.format(detail.bungaBruto)}<\/td>\r\n <td>${formatter.format(detail.pajak)}<\/td>\r\n <td>${formatter.format(detail.bungaNeto)}<\/td>\r\n <td>${formatter.format(detail.setoran)}<\/td>\r\n <td>${formatter.format(detail.saldoAkhir)}<\/td>\r\n <\/tr>\r\n `;\r\n });\r\n monthlyTableBody.innerHTML = tableHtml;\r\n\r\n \/\/ Gulir ke bawah untuk melihat hasil\r\n document.getElementById('monthlyBreakdown').scrollIntoView({ behavior: 'smooth' });\r\n });\r\n <\/script>\r\n <\/footer>\r\n\t<div class=\"container\">\r\n <p>\u00a9 2025 Simulasi Tabungan Bank Rifi. Alat ini hanya untuk perkiraan atau estimasi, untuk hasil aktual silahkan hubungi kami.<\/p>\r\n <\/div>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulasi Tabungan Bank Rifi Simulasi Tabungan Bank Rifi Pokok Awal (Rp) Setoran Bulanan (Rp) Suku Bunga Tahunan (%) Durasi Menabung (Tahun) Hitung Simulasi Rincian Per Bulan Bulan Saldo Awal Bulan Bunga Bruto Pajak Bunga (20%) Bunga Neto Setoran Bulan Ini Saldo Akhir Bulan *Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-650","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Simulasi Tabungan -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simulasi Tabungan -\" \/>\n<meta property=\"og:description\" content=\"Simulasi Tabungan Bank Rifi Simulasi Tabungan Bank Rifi Pokok Awal (Rp) Setoran Bulanan (Rp) Suku Bunga Tahunan (%) Durasi Menabung (Tahun) Hitung Simulasi Rincian Per Bulan Bulan Saldo Awal Bulan Bunga Bruto Pajak Bunga (20%) Bunga Neto Setoran Bulan Ini Saldo Akhir Bulan *Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bprrifimaligi\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-18T03:15:18+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\",\"url\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\",\"name\":\"Simulasi Tabungan -\",\"isPartOf\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\"},\"datePublished\":\"2025-06-18T03:02:49+00:00\",\"dateModified\":\"2025-06-18T03:15:18+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.bankrifi.co.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulasi Tabungan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\",\"url\":\"https:\/\/www.bankrifi.co.id\/\",\"name\":\"www.bankrifi.co.id\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bankrifi.co.id\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\",\"name\":\"PT. 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BPR Rifi Maligi\"},\"image\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/bprrifimaligi\",\"https:\/\/instagram.com\/bankrifi\",\"https:\/\/tiktok.com\/bankrifi\",\"https:\/\/yourube.com\/bankrifi\"]}]}<\/script>\n","yoast_head_json":{"title":"Simulasi Tabungan -","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/","og_locale":"en_US","og_type":"article","og_title":"Simulasi Tabungan -","og_description":"Simulasi Tabungan Bank Rifi Simulasi Tabungan Bank Rifi Pokok Awal (Rp) Setoran Bulanan (Rp) Suku Bunga Tahunan (%) Durasi Menabung (Tahun) Hitung Simulasi Rincian Per Bulan Bulan Saldo Awal Bulan Bunga Bruto Pajak Bunga (20%) Bunga Neto Setoran Bulan Ini Saldo Akhir Bulan *Pajak bunga 20% dikenakan pada bunga kotor bulanan jika jumlah pokok >= […]","og_url":"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/","article_publisher":"https:\/\/www.facebook.com\/bprrifimaligi","article_modified_time":"2025-06-18T03:15:18+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/","url":"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/","name":"Simulasi Tabungan -","isPartOf":{"@id":"https:\/\/www.bankrifi.co.id\/#website"},"datePublished":"2025-06-18T03:02:49+00:00","dateModified":"2025-06-18T03:15:18+00:00","breadcrumb":{"@id":"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-tabungan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bankrifi.co.id\/"},{"@type":"ListItem","position":2,"name":"Simulasi Tabungan"}]},{"@type":"WebSite","@id":"https:\/\/www.bankrifi.co.id\/#website","url":"https:\/\/www.bankrifi.co.id\/","name":"www.bankrifi.co.id","description":"","publisher":{"@id":"https:\/\/www.bankrifi.co.id\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bankrifi.co.id\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.bankrifi.co.id\/#organization","name":"PT. 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