{"{0}":"{0}","₹{0} crore":"₹{0} crore","₹{0} lakh":"₹{0} lakh","0%":"0%","12% legacy / historical":"12% lama / historis","18%":"18%","28% legacy / historical":"28% lama / historis","40% special rate":"Tarif khusus 40%","5%":"5%","A = P(1 + r/m)^(mt). Fractional compounding periods use the same power formula; a bank may use a different broken-period rule. Simple payout interest is not reinvested and is shown separately.":"A = P(1 + r/m)^(mt). Periode compounding pecahan menggunakan rumus pangkat yang sama; bank mungkin menggunakan aturan periode tidak penuh yang berbeda. Bunga yang dibayarkan langsung tidak diinvestasikan kembali dan ditampilkan terpisah.","Actual interest uses the lowest balance between the close of the 5th day and month end. Opening dates, later deposits, education withdrawals and early closure can change the amount. Account-opening eligibility must be checked separately.":"Bunga aktual menggunakan saldo terendah antara akhir hari ke-5 dan akhir bulan. Tanggal pembukaan, setoran berikutnya, penarikan untuk pendidikan, dan penutupan lebih awal dapat mengubah jumlahnya. Kelayakan pembukaan rekening harus diperiksa secara terpisah.","Add GST to a net amount":"Tambahkan GST ke jumlah neto","Additional service months":"Bulan masa kerja tambahan","After 5 April, before month end":"Setelah 5 April, sebelum akhir bulan","Amount (₹ display units)":"Jumlah (satuan tampilan ₹)","Annual deposit (₹)":"Setoran tahunan (₹)","Annual deposit date":"Tanggal setoran tahunan","Annual EPF interest rate (%)":"Suku bunga EPF tahunan (%)","Annual exempt HRA":"HRA bebas pajak tahunan","Annual HRA received (₹)":"HRA tahunan yang diterima (₹)","Annual interest rate (%)":"Suku bunga tahunan (%)","Annual payments (none)":"Pembayaran tahunan (tidak ada)","Annual rent paid (₹)":"Sewa tahunan yang dibayar (₹)","Annual salary for HRA (₹)":"Gaji tahunan untuk HRA (₹)","Annual salary growth (%)":"Kenaikan gaji tahunan (%)","Annual step-up (%)":"Kenaikan tahunan (%)","Annual taxable HRA":"HRA kena pajak tahunan","Australia — 10%":"Australia — 10%","Balance":"Saldo","Balance (₹)":"Saldo (₹)","Banks may deduct TDS from interest under applicable rules. TDS is a withholding, not necessarily your final tax. This estimate does not compute TDS or income tax.":"Bank dapat memotong TDS dari bunga sesuai aturan yang berlaku. TDS adalah pemotongan pajak, bukan berarti pajak final Anda. Estimasi ini tidak menghitung TDS atau pajak penghasilan.","Bars: {0}. Dots: {1}.":"Batang: {0}. Titik: {1}.","Basic + DA":"Gaji pokok + DA","Beginning of each month":"Awal setiap bulan","Beginning-of-period deposits earn that month's return.":"Setoran pada awal periode memperoleh imbal hasil bulan tersebut.","Both scenarios use monthly growth at the annual rate divided by 12. The comparison SIP invests the same total amount in equal monthly instalments; the one-time investment is fully invested at the start.":"Kedua skenario menggunakan pertumbuhan bulanan sebesar suku bunga tahunan dibagi 12. SIP pembanding menginvestasikan total jumlah yang sama dalam cicilan bulanan setara; investasi satu kali seluruhnya diinvestasikan sejak awal.","By 5 April":"Paling lambat 5 April","Canada — 5% federal GST":"Kanada — GST federal 5%","Cap employer's contribution wage at ₹15,000":"Batasi dasar upah kontribusi pemberi kerja hingga ₹15.000","Car loan EMI":"EMI pinjaman mobil","CGST":"CGST","Chart scale: {0} to {1}":"Skala grafik: {0} hingga {1}","Chart: {0}, from year {1} to {2}. Values are in the table below.":"Grafik: {0}, dari tahun {1} hingga {2}. Nilai tercantum dalam tabel di bawah.","Choose a PPF extension in whole five-year blocks.":"Pilih perpanjangan PPF dalam kelipatan lima tahun penuh.","Choose one of the available calculation options.":"Pilih salah satu opsi perhitungan yang tersedia.","Compare Indian income tax regimes":"Bandingkan rezim pajak penghasilan India","Compare the repayment commitment before taking an unsecured loan. Processing fees and insurance can raise the borrowing cost above the quoted interest rate.":"Bandingkan kewajiban pembayaran sebelum mengambil pinjaman tanpa agunan. Biaya pemrosesan dan asuransi dapat membuat biaya pinjaman lebih tinggi daripada suku bunga yang ditawarkan.","Comparison SIP timing":"Waktu SIP pembanding","Completed service years":"Tahun masa kerja yang telah selesai","Compounding / payout":"Compounding / pembayaran","Continue annual deposits during extensions":"Lanjutkan setoran tahunan selama perpanjangan","Contribution split by year (monthly amounts)":"Rincian kontribusi per tahun (jumlah bulanan)","Corpus depleted after {0} months.":"Dana habis setelah {0} bulan.","Counted service years":"Tahun masa kerja yang dihitung","Current age":"Usia saat ini","Custom rate — enter above":"Tarif khusus — masukkan di atas","Delhi, Mumbai, Kolkata or Chennai — 50%":"Delhi, Mumbai, Kolkata, atau Chennai — 50%","Deposit timing":"Waktu setoran","Deposit value":"Nilai setoran","Deposits":"Setoran","Deposits (none)":"Setoran (tidak ada)","Deposits are made for 15 years and the account matures at 21 years from opening. This estimate assumes each annual deposit arrives by 5 April and earns a full year of interest, credited annually. There are no deposits in years 16–21.":"Setoran dilakukan selama 15 tahun dan rekening jatuh tempo 21 tahun sejak dibuka. Estimasi ini mengasumsikan setiap setoran tahunan diterima paling lambat 5 April dan memperoleh bunga satu tahun penuh yang dikreditkan setiap tahun. Tidak ada setoran pada tahun 16–21.","Deposits over 15 years":"Setoran selama 15 tahun","Download CSV":"Download CSV","Download monthly CSV":"Download CSV bulanan","Editable default, as notified for {0}. Check the latest notification before using it.":"Nilai bawaan dapat diedit, sesuai pemberitahuan untuk {0}. Periksa pemberitahuan terbaru sebelum menggunakannya.","EMI calculator":"Kalkulator EMI","Employee EPF":"EPF karyawan","Employer EPF":"EPF pemberi kerja","Employer EPS":"EPS pemberi kerja","End of each month":"Akhir setiap bulan","End-of-period deposits start earning returns in the following month.":"Setoran pada akhir periode mulai memperoleh imbal hasil pada bulan berikutnya.","Ending balance":"Saldo akhir","Enter a whole number of months or years.":"Masukkan jumlah bulan atau tahun dalam bilangan bulat.","Enter finite numbers within the displayed limits.":"Masukkan angka hingga batas yang ditampilkan.","EPF balance":"Saldo EPF","EPF calculator":"Kalkulator EPF","EPF deposits including opening balance":"Setoran EPF termasuk saldo awal","EPF interest":"Bunga EPF","EPS contributions, excluded from corpus":"Kontribusi EPS, tidak termasuk dalam dana","Equivalent monthly SIP":"SIP bulanan setara","Estimated growth":"Pertumbuhan estimasi","Estimated maturity":"Nilai jatuh tempo estimasi","Estimated maturity at 21 years":"Nilai jatuh tempo estimasi pada 21 tahun","Estimated retirement EPF corpus":"Dana EPF pensiun estimasi","Estimated value":"Nilai estimasi","Exempt HRA per year":"HRA bebas pajak per tahun","Exemption is the least of actual HRA, rent paid minus 10% of salary (floored at zero), and 50% of salary for the four listed metros or 40% elsewhere. Salary means basic, DA forming part of retirement benefits, and turnover-based commission. You must actually pay rent for eligible accommodation.":"Pembebasan pajak adalah nilai terendah dari HRA aktual, sewa dibayar dikurangi 10% gaji (minimal nol), serta 50% gaji untuk empat kota metropolitan yang tercantum atau 40% di tempat lain. Gaji berarti gaji pokok, DA yang menjadi bagian dari manfaat pensiun, dan komisi berbasis omzet. Anda harus benar-benar membayar sewa untuk tempat tinggal yang memenuhi syarat.","Expected annual return (%)":"Imbal hasil tahunan yang diharapkan (%)","Extension years after the 15-year term":"Tahun perpanjangan setelah jangka waktu 15 tahun","Extra monthly prepayment (₹)":"Pelunasan dipercepat bulanan tambahan (₹)","FD calculator":"Kalkulator FD","Fixed nominal rate divided by 12. Extra payments reduce the term while the scheduled EMI stays fixed. Fees and prepayment penalties are excluded.":"Suku bunga nominal tetap dibagi 12. Pembayaran tambahan mengurangi jangka waktu sementara EMI terjadwal tetap. Biaya dan penalti pelunasan dipercepat tidak termasuk.","For monthly-rated employees of employers covered by the Payment of Gratuity Act: gratuity = 15 × last monthly basic + DA × counted years ÷ 26. A part-year exceeding six months counts as another year; exactly six months does not.":"Untuk karyawan bergaji bulanan dari pemberi kerja yang tercakup dalam Payment of Gratuity Act: pesangon = 15 × gaji pokok bulanan terakhir + DA × tahun yang dihitung ÷ 26. Bagian tahun yang melebihi enam bulan dihitung sebagai satu tahun tambahan; tepat enam bulan tidak dihitung.","Formula gratuity before caps":"Rumus pesangon sebelum batas maksimum","Fractional quarters use geometric accrual. Actual bank day counts, late instalments, rounding and premature closure rules can change the maturity amount.":"Kuartal pecahan menggunakan akrual geometris. Perhitungan hari aktual bank, cicilan terlambat, pembulatan, dan aturan penutupan lebih awal dapat mengubah jumlah jatuh tempo.","Generic / custom":"Umum / khusus","Gratuity calculator":"Kalkulator pesangon","Gross amount":"Jumlah bruto","Gross amount per year":"Jumlah bruto per tahun","Growth (none)":"Pertumbuhan (tidak ada)","GST added = net × rate ÷ 100. GST removed = gross − gross ÷ (1 + rate ÷ 100). Presets change only the rate. All amounts use ₹ display units; the arithmetic works in any currency without conversion.":"GST ditambahkan = neto × tarif ÷ 100. GST dihapus = bruto − bruto ÷ (1 + tarif ÷ 100). Preset hanya mengubah tarif. Semua jumlah menggunakan satuan tampilan ₹; perhitungannya dapat digunakan untuk mata uang apa pun tanpa konversi.","GST amount":"Jumlah GST","GST calculator":"Kalkulator GST","GST Council official announcement":"Pengumuman resmi GST Council","GST per year":"GST per tahun","GST rate (%) — editable":"Tarif GST (%) — dapat diedit","Half-yearly":"Setiap setengah tahun","Home loan EMI":"EMI pinjaman rumah","HRA exemption applies under the old tax regime. This is an exemption estimate, not a calculation of tax saved.":"Pembebasan HRA berlaku berdasarkan rezim pajak lama. Ini adalah estimasi pembebasan, bukan perhitungan pajak yang dihemat.","HRA exemption calculator":"Kalkulator pembebasan HRA","HRA received per year":"HRA yang diterima per tahun","IGST":"IGST","Illustrative gratuity accrual":"Akrual pesangon ilustratif","Income Tax Department: gratuity exemption":"Income Tax Department: pembebasan pesangon","India":"India","Indian slab shortcut":"Pintasan lapisan pajak India","Indian tax split":"Rincian pajak India","Inter-state: IGST":"Antarnegara bagian: IGST","Interest":"Bunga","Interest (₹)":"Bunga (₹)","Interest (none)":"Bunga (tidak ada)","Interest / growth":"Bunga / pertumbuhan","Interest earned":"Bunga yang diperoleh","Interest is calculated on the lowest balance between the close of the 5th day and month end, then credited annually. A deposit by 5 April earns all 12 months; a later April deposit earns 11. No withdrawals are modelled.":"Bunga dihitung berdasarkan saldo terendah antara akhir hari ke-5 dan akhir bulan, lalu dikreditkan setiap tahun. Setoran paling lambat 5 April memperoleh bunga selama 12 bulan; setoran April setelahnya memperoleh bunga selama 11 bulan. Tidak ada penarikan dalam model ini.","Interest paid":"Bunga dibayar","Interest paid out":"Bunga yang dibayarkan","Interest saved by prepayment":"Bunga yang dihemat melalui pelunasan dipercepat","Interest under Section 24(b) may qualify for a deduction subject to the property, tax regime and statutory conditions. This page does not calculate that deduction.":"Bunga berdasarkan Section 24(b) mungkin memenuhi syarat untuk pengurangan pajak, bergantung pada properti, rezim pajak, dan ketentuan hukum. Halaman ini tidak menghitung pengurangan tersebut.","Intra-state: CGST + SGST":"Dalam satu negara bagian: CGST + SGST","Investment value":"Nilai investasi","Last monthly basic salary + DA (₹)":"Gaji pokok bulanan terakhir + DA (₹)","Loan amount (₹)":"Jumlah pinjaman (₹)","Lumpsum calculator":"Kalkulator lumpsum","Lumpsum value":"Nilai lumpsum","Maturity value":"Nilai jatuh tempo","Maximum projection years":"Maksimum tahun proyeksi","Month":"Bulan","Monthly":"Bulanan","Monthly amortisation table":"Tabel amortisasi bulanan","Monthly basic salary + DA (₹)":"Gaji pokok bulanan + DA (₹)","Monthly contribution split; EPS is excluded from the EPF balance":"Rincian kontribusi bulanan; EPS tidak termasuk dalam saldo EPF","Monthly growth is applied before the month-end withdrawal. The last withdrawal may be smaller than requested. Constant returns ignore market volatility, inflation and tax.":"Pertumbuhan bulanan diterapkan sebelum penarikan akhir bulan. Penarikan terakhir mungkin lebih kecil daripada yang diminta. Imbal hasil konstan mengabaikan volatilitas pasar, inflasi, dan pajak.","Monthly instalment (₹)":"Cicilan bulanan (₹)","Monthly loan payments; amounts in ₹":"Pembayaran pinjaman bulanan; jumlah dalam ₹","Monthly SIP (₹)":"SIP bulanan (₹)","Monthly withdrawal (₹)":"Penarikan bulanan (₹)","Months":"Bulan","Months to repay":"Bulan hingga lunas","Net amount":"Jumlah neto","Net amount per year":"Jumlah neto per tahun","New Zealand — 15%":"Selandia Baru — 15%","No depletion within {0} months under these assumptions; this does not guarantee indefinite withdrawals.":"Dana tidak habis dalam {0} bulan berdasarkan asumsi ini; hal tersebut tidak menjamin penarikan tanpa batas.","Official rate source":"Sumber tarif resmi","One-time investment (₹)":"Investasi satu kali (₹)","Opening EPF balance (₹)":"Saldo awal EPF (₹)","Operation":"Operasi","Other places — 40%":"Tempat lainnya — 40%","Payment":"Pembayaran","Payment (₹)":"Pembayaran (₹)","Personal loan EMI":"EMI pinjaman pribadi","PPF balance":"Saldo PPF","PPF calculator":"Kalkulator PPF","Principal":"Pokok","Principal (₹)":"Pokok (₹)","Principal balance":"Saldo pokok","Principal repaid":"Pokok yang dilunasi","Principal returned at maturity":"Pokok yang dikembalikan saat jatuh tempo","Quarterly (common bank default)":"Triwulanan (default umum bank)","Quarterly compounding, with instalments at the beginning of each month. M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)], where i = annual rate (%) ÷ 400 and n is the number of months. At zero interest, M = P × n.":"Compounding triwulanan, dengan cicilan pada awal setiap bulan. M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)], dengan i = tarif tahunan (%) ÷ 400 dan n adalah jumlah bulan. Pada bunga nol, M = P × n.","Range: {0}–{1}":"Rentang: {0}–{1}","Rate preset":"Preset tarif","RD calculator":"Kalkulator RD","Remaining corpus":"Dana tersisa","Remaining loan balance":"Saldo pinjaman tersisa","Remove GST from a gross amount":"Hapus GST dari jumlah bruto","Residence":"Tempat tinggal","Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.":"Hasil adalah estimasi. Tarif, tanggal pembayaran, biaya, dan pajak dapat mengubah jumlah aktual.","Retirement age":"Usia pensiun","Retirement age must be greater than your current age.":"Usia pensiun harus lebih tinggi daripada usia Anda saat ini.","Rule 1: actual HRA":"Aturan 1: HRA aktual","Rule 2: rent less 10% salary":"Aturan 2: sewa dikurangi 10% gaji","Rule 3: salary percentage":"Aturan 3: persentase gaji","Scheduled EMI":"EMI terjadwal","SGST":"SGST","Simple interest payout":"Pembayaran bunga sederhana","SIP calculator":"Kalkulator SIP","SIP value":"Nilai SIP","SSY balance":"Saldo SSY","Starting corpus (₹)":"Dana awal (₹)","Sukanya Samriddhi calculator":"Kalkulator Sukanya Samriddhi","SWP calculator":"Kalkulator SWP","Taxable HRA per year":"HRA kena pajak per tahun","Tenure":"Jangka waktu","Tenure (months)":"Jangka waktu (bulan)","Tenure unit":"Satuan jangka waktu","The ₹20 lakh tax-exempt ceiling is subject to the applicable conditions and prior exempt gratuity. This page shows the formula amount before statutory caps; it does not determine eligibility or tax. Five years of continuous service is generally required, with exceptions such as death or disablement.":"Batas pembebasan pajak ₹20 lakh tunduk pada ketentuan yang berlaku dan pesangon bebas pajak sebelumnya. Halaman ini menampilkan jumlah berdasarkan rumus sebelum batas hukum; halaman ini tidak menentukan kelayakan atau pajak. Umumnya diperlukan masa kerja berkelanjutan selama lima tahun, dengan pengecualian seperti kematian atau disabilitas.","The annual deposit must be within the scheme limits.":"Setoran tahunan harus berada dalam batas skema.","The annual return is divided by 12 for monthly growth. A step-up increases each monthly deposit after every completed year. Investment returns vary and are not guaranteed.":"Imbal hasil tahunan dibagi 12 untuk pertumbuhan bulanan. Step-up meningkatkan setiap setoran bulanan setelah setiap tahun penuh. Imbal hasil investasi bervariasi dan tidak dijamin.","The annual table repeats one identical net amount each year at the entered rate. It is a budgeting scenario, with no compounding or prediction of future tax rates.":"Tabel tahunan mengulang satu jumlah neto yang sama setiap tahun berdasarkan tarif yang dimasukkan. Ini adalah skenario penganggaran, tanpa compounding atau prediksi tarif pajak mendatang.","The calculation is outside the supported range.":"Perhitungan berada di luar rentang yang didukung.","The employee contributes 12% of basic + DA to EPF. The employer contributes 12% of the selected wage base: EPS takes 8.33% of wages capped at ₹15,000, and the rest enters EPF. EPS is a pension contribution and is excluded from this corpus.":"Karyawan menyetor 12% dari gaji pokok + DA ke EPF. Pemberi kerja menyetor 12% dari dasar upah yang dipilih: EPS mengambil 8,33% upah hingga batas ₹15.000, dan sisanya masuk ke EPF. EPS adalah kontribusi pensiun dan tidak termasuk dalam dana ini.","The model uses 15 complete financial years and optional five-year extensions. Statutory maturity is 15 years from the end of the opening financial year, so your opening date can add an initial partial year. Extensions with deposits require the prescribed election.":"Model ini menggunakan 15 tahun keuangan penuh dan perpanjangan lima tahun opsional. Jatuh tempo menurut hukum adalah 15 tahun sejak akhir tahun keuangan pembukaan, sehingga tanggal pembukaan Anda dapat menambahkan satu tahun awal yang tidak penuh. Perpanjangan dengan setoran memerlukan pilihan yang ditentukan.","The September 2025 changes introduced main rates of 5% and 18%, plus a special 40% rate. This shortcut list is not a goods classification guide; special rates and exceptions require the applicable notification. 12% and 28% are retained for historical calculations.":"Perubahan September 2025 memperkenalkan tarif utama 5% dan 18%, serta tarif khusus 40%. Daftar pintasan ini bukan panduan klasifikasi barang; tarif khusus dan pengecualian memerlukan pemberitahuan yang berlaku. 12% dan 28% dipertahankan untuk perhitungan historis.","The year-by-year table applies your last salary to each counted service year. It shows an illustrative formula accrual, not an annual payment or entitlement before eligibility. Special employee categories may use different rules.":"Tabel per tahun menerapkan gaji terakhir Anda pada setiap tahun masa kerja yang dihitung. Tabel ini menunjukkan akrual berdasarkan rumus secara ilustratif, bukan pembayaran tahunan atau hak sebelum memenuhi syarat. Kategori karyawan tertentu mungkin menggunakan aturan yang berbeda.","This assumes an eligible EPS member, employee contributions on full salary and the selected employer wage base throughout the projection. EPS eligibility, higher pension options and age-related changes are not modelled. Contributions arrive at month end; interest accrues on monthly opening balances and is credited annually. Salary rises once a year.":"Ini mengasumsikan anggota EPS yang memenuhi syarat, kontribusi karyawan berdasarkan gaji penuh, dan dasar upah pemberi kerja yang dipilih selama proyeksi. Kelayakan EPS, opsi pensiun lebih tinggi, dan perubahan terkait usia tidak dimodelkan. Kontribusi diterima pada akhir bulan; bunga terakumulasi berdasarkan saldo awal bulanan dan dikreditkan setiap tahun. Gaji naik sekali setahun.","Total deposited":"Total setoran","Total interest":"Total bunga","Total invested":"Total investasi","Total invested in each scenario":"Total investasi dalam setiap skenario","Total paid":"Total pembayaran","Total payments":"Total pembayaran","Total withdrawn":"Total penarikan","Use figures for the same eligible period. If salary, rent or residence changes, calculate each period separately. The annual table repeats the entered assumptions; it does not predict future eligibility.":"Gunakan angka untuk periode yang sama dan memenuhi syarat. Jika gaji, sewa, atau tempat tinggal berubah, hitung setiap periode secara terpisah. Tabel tahunan mengulang asumsi yang dimasukkan; tabel ini tidak memprediksi kelayakan di masa mendatang.","Use the financed amount after your down payment and trade-in. Insurance and running costs are outside this loan estimate.":"Gunakan jumlah yang dibiayai setelah uang muka dan tukar tambah. Asuransi dan biaya operasional tidak termasuk dalam estimasi pinjaman ini.","Withdrawals":"Penarikan","Year":"Tahun","Year {0}: {1}":"Tahun {0}: {1}","Year-by-year results":"Hasil per tahun","Year-by-year table; amounts in ₹":"Tabel per tahun; jumlah dalam ₹","Yearly":"Tahunan","Years":"Tahun","Years {0} to {1}":"Tahun {0} hingga {1}","Years in the repeated-amount scenario":"Tahun dalam skenario jumlah berulang","Years with the same annual inputs":"Tahun dengan input tahunan yang sama"}