Berikut adalah simulai jika And menabung di bank Rp 10 juta setiap bulannya dengan rata-rata bunga 5,2%

Total modal: Rp 1,300,000,000

Bunga: Rp 365.762.984,41

Lama menabung: 10 tahun

Bunga rata-rata: 5,2%
[wp-datatable id=”table1″]

BulanNilai tabungan awalSetoran BulananBungaNilai tabungan akhir
1Rp 10.000.000,00Rp 10.000.000,00Rp 83.333,33Rp 20.083.333,33
2Rp 20.083.333,33Rp 10.000.000,00Rp 125.347,22Rp 30.208.680,56
3Rp 30.208.680,56Rp 10.000.000,00Rp 167.536,17Rp 40.376.216,72
4Rp 40.376.216,72Rp 10.000.000,00Rp 209.900,90Rp 50.586.117,63
5Rp 50.586.117,63Rp 10.000.000,00Rp 252.442,16Rp 60.838.559,78
6Rp 60.838.559,78Rp 10.000.000,00Rp 295.160,67Rp 71.133.720,45
7Rp 71.133.720,45Rp 10.000.000,00Rp 338.057,17Rp 81.471.777,62
8Rp 81.471.777,62Rp 10.000.000,00Rp 381.132,41Rp 91.852.910,03
9Rp 91.852.910,03Rp 10.000.000,00Rp 424.387,13Rp 102.277.297,15
10Rp 102.277.297,15Rp 10.000.000,00Rp 467.822,07Rp 112.745.119,22
11Rp 112.745.119,22Rp 10.000.000,00Rp 511.438,00Rp 123.256.557,22
12Rp 123.256.557,22Rp 10.000.000,00Rp 555.235,66Rp 133.811.792,87
13Rp 133.811.792,87Rp 10.000.000,00Rp 599.215,80Rp 144.411.008,68
14Rp 144.411.008,68Rp 10.000.000,00Rp 643.379,20Rp 155.054.387,88
15Rp 155.054.387,88Rp 10.000.000,00Rp 687.726,62Rp 165.742.114,50
16Rp 165.742.114,50Rp 10.000.000,00Rp 732.258,81Rp 176.474.373,31
17Rp 176.474.373,31Rp 10.000.000,00Rp 776.976,56Rp 187.251.349,86
18Rp 187.251.349,86Rp 10.000.000,00Rp 821.880,62Rp 198.073.230,49
19Rp 198.073.230,49Rp 10.000.000,00Rp 866.971,79Rp 208.940.202,28
20Rp 208.940.202,28Rp 10.000.000,00Rp 912.250,84Rp 219.852.453,12
21Rp 219.852.453,12Rp 10.000.000,00Rp 957.718,55Rp 230.810.171,68
22Rp 230.810.171,68Rp 10.000.000,00Rp 1.003.375,72Rp 241.813.547,39
23Rp 241.813.547,39Rp 10.000.000,00Rp 1.049.223,11Rp 252.862.770,51
24Rp 252.862.770,51Rp 10.000.000,00Rp 1.095.261,54Rp 263.958.032,05
25Rp 263.958.032,05Rp 10.000.000,00Rp 1.141.491,80Rp 275.099.523,85
26Rp 275.099.523,85Rp 10.000.000,00Rp 1.187.914,68Rp 286.287.438,53
27Rp 286.287.438,53Rp 10.000.000,00Rp 1.234.530,99Rp 297.521.969,53
28Rp 297.521.969,53Rp 10.000.000,00Rp 1.281.341,54Rp 308.803.311,07
29Rp 308.803.311,07Rp 10.000.000,00Rp 1.328.347,13Rp 320.131.658,20
30Rp 320.131.658,20Rp 10.000.000,00Rp 1.375.548,58Rp 331.507.206,77
31Rp 331.507.206,77Rp 10.000.000,00Rp 1.422.946,69Rp 342.930.153,47
32Rp 342.930.153,47Rp 10.000.000,00Rp 1.470.542,31Rp 354.400.695,77
33Rp 354.400.695,77Rp 10.000.000,00Rp 1.518.336,23Rp 365.919.032,01
34Rp 365.919.032,01Rp 10.000.000,00Rp 1.566.329,30Rp 377.485.361,31
35Rp 377.485.361,31Rp 10.000.000,00Rp 1.614.522,34Rp 389.099.883,65
36Rp 389.099.883,65Rp 10.000.000,00Rp 1.662.916,18Rp 400.762.799,83
37Rp 400.762.799,83Rp 10.000.000,00Rp 1.711.511,67Rp 412.474.311,49
38Rp 412.474.311,49Rp 10.000.000,00Rp 1.760.309,63Rp 424.234.621,12
39Rp 424.234.621,12Rp 10.000.000,00Rp 1.809.310,92Rp 436.043.932,05
40Rp 436.043.932,05Rp 10.000.000,00Rp 1.858.516,38Rp 447.902.448,43
41Rp 447.902.448,43Rp 10.000.000,00Rp 1.907.926,87Rp 459.810.375,30
42Rp 459.810.375,30Rp 10.000.000,00Rp 1.957.543,23Rp 471.767.918,53
43Rp 471.767.918,53Rp 10.000.000,00Rp 2.007.366,33Rp 483.775.284,86
44Rp 483.775.284,86Rp 10.000.000,00Rp 2.057.397,02Rp 495.832.681,88
45Rp 495.832.681,88Rp 10.000.000,00Rp 2.107.636,17Rp 507.940.318,05
46Rp 507.940.318,05Rp 10.000.000,00Rp 2.158.084,66Rp 520.098.402,71
47Rp 520.098.402,71Rp 10.000.000,00Rp 2.208.743,34Rp 532.307.146,05
48Rp 532.307.146,05Rp 10.000.000,00Rp 2.259.613,11Rp 544.566.759,16
49Rp 544.566.759,16Rp 10.000.000,00Rp 2.310.694,83Rp 556.877.453,99
50Rp 556.877.453,99Rp 10.000.000,00Rp 2.361.989,39Rp 569.239.443,38
51Rp 569.239.443,38Rp 10.000.000,00Rp 2.413.497,68Rp 581.652.941,06
52Rp 581.652.941,06Rp 10.000.000,00Rp 2.465.220,59Rp 594.118.161,65
53Rp 594.118.161,65Rp 10.000.000,00Rp 2.517.159,01Rp 606.635.320,66
54Rp 606.635.320,66Rp 10.000.000,00Rp 2.569.313,84Rp 619.204.634,49
55Rp 619.204.634,49Rp 10.000.000,00Rp 2.621.685,98Rp 631.826.320,47
56Rp 631.826.320,47Rp 10.000.000,00Rp 2.674.276,34Rp 644.500.596,81
57Rp 644.500.596,81Rp 10.000.000,00Rp 2.727.085,82Rp 657.227.682,63
58Rp 657.227.682,63Rp 10.000.000,00Rp 2.780.115,34Rp 670.007.797,97
59Rp 670.007.797,97Rp 10.000.000,00Rp 2.833.365,82Rp 682.841.163,80
60Rp 682.841.163,80Rp 10.000.000,00Rp 2.886.838,18Rp 695.728.001,98
61Rp 695.728.001,98Rp 10.000.000,00Rp 2.940.533,34Rp 708.668.535,32
62Rp 708.668.535,32Rp 10.000.000,00Rp 2.994.452,23Rp 721.662.987,55
63Rp 721.662.987,55Rp 10.000.000,00Rp 3.048.595,78Rp 734.711.583,33
64Rp 734.711.583,33Rp 10.000.000,00Rp 3.102.964,93Rp 747.814.548,26
65Rp 747.814.548,26Rp 10.000.000,00Rp 3.157.560,62Rp 760.972.108,88
66Rp 760.972.108,88Rp 10.000.000,00Rp 3.212.383,79Rp 774.184.492,67
67Rp 774.184.492,67Rp 10.000.000,00Rp 3.267.435,39Rp 787.451.928,05
68Rp 787.451.928,05Rp 10.000.000,00Rp 3.322.716,37Rp 800.774.644,42
69Rp 800.774.644,42Rp 10.000.000,00Rp 3.378.227,69Rp 814.152.872,11
70Rp 814.152.872,11Rp 10.000.000,00Rp 3.433.970,30Rp 827.586.842,41
71Rp 827.586.842,41Rp 10.000.000,00Rp 3.489.945,18Rp 841.076.787,58
72Rp 841.076.787,58Rp 10.000.000,00Rp 3.546.153,28Rp 854.622.940,86
73Rp 854.622.940,86Rp 10.000.000,00Rp 3.602.595,59Rp 868.225.536,45
74Rp 868.225.536,45Rp 10.000.000,00Rp 3.659.273,07Rp 881.884.809,52
75Rp 881.884.809,52Rp 10.000.000,00Rp 3.716.186,71Rp 895.600.996,23
76Rp 895.600.996,23Rp 10.000.000,00Rp 3.773.337,48Rp 909.374.333,71
77Rp 909.374.333,71Rp 10.000.000,00Rp 3.830.726,39Rp 923.205.060,10
78Rp 923.205.060,10Rp 10.000.000,00Rp 3.888.354,42Rp 937.093.414,52
79Rp 937.093.414,52Rp 10.000.000,00Rp 3.946.222,56Rp 951.039.637,08
80Rp 951.039.637,08Rp 10.000.000,00Rp 4.004.331,82Rp 965.043.968,90
81Rp 965.043.968,90Rp 10.000.000,00Rp 4.062.683,20Rp 979.106.652,10
82Rp 979.106.652,10Rp 10.000.000,00Rp 4.121.277,72Rp 993.227.929,82
83Rp 993.227.929,82Rp 10.000.000,00Rp 4.180.116,37Rp 1.007.408.046,19
84Rp 1.007.408.046,19Rp 10.000.000,00Rp 4.239.200,19Rp 1.021.647.246,39
85Rp 1.021.647.246,39Rp 10.000.000,00Rp 4.298.530,19Rp 1.035.945.776,58
86Rp 1.035.945.776,58Rp 10.000.000,00Rp 4.358.107,40Rp 1.050.303.883,98
87Rp 1.050.303.883,98Rp 10.000.000,00Rp 4.417.932,85Rp 1.064.721.816,83
88Rp 1.064.721.816,83Rp 10.000.000,00Rp 4.478.007,57Rp 1.079.199.824,40
89Rp 1.079.199.824,40Rp 10.000.000,00Rp 4.538.332,60Rp 1.093.738.157,00
90Rp 1.093.738.157,00Rp 10.000.000,00Rp 4.598.908,99Rp 1.108.337.065,99
91Rp 1.108.337.065,99Rp 10.000.000,00Rp 4.659.737,77Rp 1.122.996.803,77
92Rp 1.122.996.803,77Rp 10.000.000,00Rp 4.720.820,02Rp 1.137.717.623,78
93Rp 1.137.717.623,78Rp 10.000.000,00Rp 4.782.156,77Rp 1.152.499.780,55
94Rp 1.152.499.780,55Rp 10.000.000,00Rp 4.843.749,09Rp 1.167.343.529,63
95Rp 1.167.343.529,63Rp 10.000.000,00Rp 4.905.598,04Rp 1.182.249.127,67
96Rp 1.182.249.127,67Rp 10.000.000,00Rp 4.967.704,70Rp 1.197.216.832,37
97Rp 1.197.216.832,37Rp 10.000.000,00Rp 5.030.070,13Rp 1.212.246.902,51
98Rp 1.212.246.902,51Rp 10.000.000,00Rp 5.092.695,43Rp 1.227.339.597,93
99Rp 1.227.339.597,93Rp 10.000.000,00Rp 5.155.581,66Rp 1.242.495.179,59
100Rp 1.242.495.179,59Rp 10.000.000,00Rp 5.218.729,91Rp 1.257.713.909,51
101Rp 1.257.713.909,51Rp 10.000.000,00Rp 5.282.141,29Rp 1.272.996.050,80
102Rp 1.272.996.050,80Rp 10.000.000,00Rp 5.345.816,88Rp 1.288.341.867,68
103Rp 1.288.341.867,68Rp 10.000.000,00Rp 5.409.757,78Rp 1.303.751.625,46
104Rp 1.303.751.625,46Rp 10.000.000,00Rp 5.473.965,11Rp 1.319.225.590,56
105Rp 1.319.225.590,56Rp 10.000.000,00Rp 5.538.439,96Rp 1.334.764.030,52
106Rp 1.334.764.030,52Rp 10.000.000,00Rp 5.603.183,46Rp 1.350.367.213,99
107Rp 1.350.367.213,99Rp 10.000.000,00Rp 5.668.196,72Rp 1.366.035.410,71
108Rp 1.366.035.410,71Rp 10.000.000,00Rp 5.733.480,88Rp 1.381.768.891,59
109Rp 1.381.768.891,59Rp 10.000.000,00Rp 5.799.037,05Rp 1.397.567.928,64
110Rp 1.397.567.928,64Rp 10.000.000,00Rp 5.864.866,37Rp 1.413.432.795,01
111Rp 1.413.432.795,01Rp 10.000.000,00Rp 5.930.969,98Rp 1.429.363.764,98
112Rp 1.429.363.764,98Rp 10.000.000,00Rp 5.997.349,02Rp 1.445.361.114,01
113Rp 1.445.361.114,01Rp 10.000.000,00Rp 6.064.004,64Rp 1.461.425.118,65
114Rp 1.461.425.118,65Rp 10.000.000,00Rp 6.130.937,99Rp 1.477.556.056,64
115Rp 1.477.556.056,64Rp 10.000.000,00Rp 6.198.150,24Rp 1.493.754.206,88
116Rp 1.493.754.206,88Rp 10.000.000,00Rp 6.265.642,53Rp 1.510.019.849,41
117Rp 1.510.019.849,41Rp 10.000.000,00Rp 6.333.416,04Rp 1.526.353.265,45
118Rp 1.526.353.265,45Rp 10.000.000,00Rp 6.401.471,94Rp 1.542.754.737,38
119Rp 1.542.754.737,38Rp 10.000.000,00Rp 6.469.811,41Rp 1.559.224.548,79
120Rp 1.559.224.548,79Rp 10.000.000,00Rp 6.538.435,62Rp 1.575.762.984,41
Akumulasi BungaRp 365.762.984,41

 

Berikut adalah siulasi jika Andi menabung di saham KLBF setiap bulannya selama 10 tahun. Harga beli adalah harga pada saat Andi membeli. Rata-rata harga beli saham KLBF Andi selama 10 tahun adlaah Rp 913.

Total modal: Rp 1,300,000,000

Bunga: Rp 1.118.000.000,00

Lama menabung: 10 tahun

Bunga: 86%

MonthYearHarga beli
January2007232
February2007254
March2007234
April2007234
May2007244
June2007240
July2007270
August2007290
September2007265
October2007262
November2007270
December2007238
January2008248
February2008238
March2008200
April2008194
May2008176
June2008172
July2008166
August2008156
September2008148
October2008122
November200874
December200882
January200980
February200992
March2009126
April2009122
May2009178
June2009176
July2009196
August2009262
September2009250
October2009266
November2009240
December2009252
January2010260
February2010310
March2010316
April2010372
May2010410
June2010376
July2010415
August2010490
September2010465
October2010510
November2010535
December2010680
January2011660
February2011570
March2011585
April2011680
May2011715
June2011715
July2011680
August2011705
September2011710
October2011635
November2011695
December2011715
January2012685
February2012705
March2012705
April2012710
May2012800
June2012790
July2012760
August2012760
September2012780
October2012920
November2012970
December20121020
January20131050
February20131090
March20131290
April20131250
May20131390
June20131430
July20131440
August20131440
September20131340
October20131220
November20131290
December20131240
January20141260
February20141405
March20141430
April20141480
May20141535
June20141570
July20141640
August20141700
September20141660
October20141690
November20141705
December20141750
January20151820
February20151870
March20151805
April20151865
May20151820
June20151810
July20151690
August20151730
September20151660
October20151370
November20151420
December20151365
January20161325
February20161350
March20161305
April20161450
May20161375
June20161430
July20161535
August20161675
September20161790
October20161750
November20161750
December20161510
January20171515
February20171470
March20171520
April20171550
May20171585
June20171535
July20171615
August20171735
September20171710
October20171665
913,2538

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