Loading page
About this tool
Plan how much Indonesian rupiah to carry as notes versus card spend, costing the changer markup, GST, TCS and per-withdrawal ATM fees.
This planner sizes the rupiah float for an Indonesia trip and prices it against the card alternative. The cash side applies the money changer's markup and the GST that Rule 32(2)(b) of the CGST Rules charges on buying foreign exchange; the ATM comparison counts the number of withdrawals, because Indonesian machines cap each transaction by the denomination they are loaded with and charge a fee each time. It also tests the plan against the RBI limit of USD 3,000 in currency notes per visit and the ₹10,00,000 LRS threshold at which TCS starts.
Open IDR Cash Budget Planner on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Defaults to a high cash share, because most everyday spending in Indonesia cannot go on a card.
Withdrawal ceilings in Indonesia are low and fees are per transaction, so the number of visits changes the cost materially.
Breaks the float into denominations, which matters where a Rp 100,000 note is hard to break at a warung.
Plan for roughly half to two-thirds of your on-ground spend in rupiah. At mid-range spending near Rp 1,200,000 per person per day, a twelve-day trip works out around Rp 8,000,000 to Rp 10,000,000 per person in notes, with hotels, malls and flights left on the card.
It depends on the note the machine is loaded with. Machines stocked with Rp 50,000 notes commonly cap a transaction near Rp 1,250,000, while those stocked with Rp 100,000 notes go to roughly Rp 2,500,000 to Rp 3,000,000. Since most machines charge a fee per withdrawal and your bank adds its own, look for the higher-denomination machines and withdraw the maximum.
Use bank-affiliated or licensed counters rather than small booths advertising rates well above everyone else's. The common problem is not a fake rate but a short count during the handover, so count the notes yourself before leaving the counter and avoid changers who ask you to hand the money back for recounting.
Many do — a surcharge of about 2% to 3% is common at hotels, restaurants and tour operators, on top of your Indian card's own foreign-currency markup and the 18% GST on that markup. That surcharge is one reason the cash share for Indonesia is higher than for a card economy like Canada.
Add the IDR Cash Budget Plannerwidget to your blog or website — free, responsive, no signup. Just keep the “Widget by AltFTool” credit link visible.
<iframe src="https://www.altftool.com/embed/widget/idr-cash-budget-planner"
title="IDR Cash Budget Planner — free AltFTool widget"
width="100%" height="640" style="border:0;border-radius:12px;overflow:hidden"
loading="lazy" referrerpolicy="no-referrer-when-downgrade"></iframe>
<p style="font-size:12px;margin:4px 0 0">Widget by <a href="https://www.altftool.com/tools/all/idr-cash-budget-planner?utm_source=embed&utm_medium=widget">AltFTool — free online tools</a></p>