Savings

DPS Calculator

ডিপিএস ক্যালকুলেটর

Plan a monthly Deposit Pension Scheme: see how much it grows, the interest you earn, and the rate needed to hit a target — all in ৳.

৳

A one-time opening deposit, if any.

৳

Amount you save every month.

months

Total number of monthly deposits.

%

Yearly rate offered by the bank.

Compare multiple DPS plans side by side

Assumptions used

  • Interest is compounded monthly at (annual rate ÷ 12).
  • Each monthly deposit is the same amount and made every month for the full duration.
  • Deposits are treated as made at the end of each month (ordinary annuity).
  • Results are before any source tax, excise duty or bank charges.

Good to know

Tax & charges aren't included

Banks may deduct source tax on the interest and a yearly excise duty (আবগারি শুল্ক) depending on your balance. Your actual maturity payout can therefore be a little lower than shown here.

Missed installments matter

Most banks penalise or pause a DPS if you miss monthly deposits. This calculator assumes every installment is paid on time.

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Frequently asked questions

What is a DPS?

A Deposit Pension Scheme (DPS) is a recurring savings plan where you deposit a fixed amount every month for a set term and receive the principal plus accumulated interest at maturity.

How is DPS maturity calculated?

Each monthly deposit earns compound interest for the remaining months. We use the standard recurring-deposit formula with the monthly rate (annual rate ÷ 12) and add any optional initial deposit.

Can I find the rate from a maturity figure?

Yes. Switch to ‘Interest Rate’ mode, enter your monthly deposit, duration and the maturity amount you were quoted, and the calculator estimates the equivalent annual rate.

Does the result include tax?

No. Figures are before source tax and excise duty. Confirm the exact deductions with your bank.

Results are estimates for general guidance only and are not financial advice. Rates, tax rules and product terms change — always confirm the latest figures with your bank or Bangladesh Bank / National Savings before making a decision.