bpjs-calculatorlisted

# BPJS Split & Contribution Calculator Computes precise monthly payments for BPJS Kesehatan and BPJS Ketenagakerjaan using active statutory wage caps. ## Active Statutory Rates & Caps * **BPJS Kesehatan**: 4% Employer, 1% Employee. Max wage cap: **Rp 12.000.000**. * **BPJS TK - JHT**: 3.7% Employer, 2% Employee. * **BPJS TK - JP**: 2% Employer, 1% Employee. Max wage cap: **Rp 10.042.300**. * **BPJS TK - JKK**: Employer only (0.24% to 1.74% depending on risk level). * **BPJS TK - JKM**: Employer only (0.3%). ## Trust Envelope (Confidence Contract) Every engine output must be wrapped in a structured envelope declaring production trust attributes: * **`regulatory_framework`**: Applying regulation with article references (e.g. `PP No. 58/2023 jo. PMK 168/2023 - TER`). * **`ruleset_version`**: Versioned Id of the `engines/rules/*.json` ruleset consulted (e.g. `PPH21-2024 v1.0.0`). * **`effective_window`**: `[effective_from] – [effective_to]` of the applied ruleset. * **`integrity_status`**: `VERIFIED` after SHA-256 ruleset check, or `UNVERIFIED` — never present silent calculations when UNVERIFIED. * **`risk_level`**: Contextual `LOW / MEDIUM / HIGH` per skill risk metadata. * **`requires_human_review`**: `true` for HIGH risk outputs — mandatory professional sign-off before filing, payment, or execution. * **`currency`**: IDR, rounded to the nearest whole Rupiah unless another precision is stated. * **`as_of`**: The simulation/effective date used to select the ruleset.