In Indonesia, 15 priority lakes need to be monitored regularly. Model algorithm development is the answer to accelerating lake water quality monitoring through chlorophyll-a concentration monitoring. This research aims to evaluate, develop, and find the most accurate global model algorithm for chlorophyll-a concentration mapping on Lake Singkarak, Toba, Maninjau, Matano, and Towuti. Algorithm development was made based on the existing 22-band ratio algorithm. Leave One Out Cross Validation (LOOCV) was used to evaluate the performance of all tested algorithms through the R2, NMAE, and RMSE accuracy results using 42 in-situ sample points of chlorophyll-a collected on five lakes. Lake Singkarak has an RMSE of 0.1 mg/m3, NMAE of 29.9%, R of 0.7, and R2 of 1.0. Lake Toba in the dry season has RMSE of 0.7 mg/m3, NMAE of 22.5%, R of 0.7 and R2 of 0.3. In the rainy season, Lake Toba has an RMSE of 0.1 mg/m3, NMAE of 7.1%, R of 0.5, and R2 of 0.3. Lake Maninjau has an RMSE of 0.6 mg/m3, NMAE of 32.5%, R of 0.5, and R2 of 0.3. Lake Matano has RMSE of 0.0 mg/m3, NMAE of 4.2%, R of 1.0 and R2 of 1.0. Lake Towuti has an RMSE of 0.0 mg/m3, NMAE of 3.4%, R of 1.0, and R2 of 1.0. The most accurate algorithm for Lake Singkarak, Toba (dry season), Toba (rainy season), Maninjau, Matano, and Towuti are C6, C6, C2, A2, C10, and B3, respectively