Investment Planner
বিনিয়োগ প্ল্যানার
Tell it what you have — ৳5 lakh, ৳10 lakh, ৳1 crore — then split it across FDR, Sanchayapatra, DPS and savings. Every slice shows its after-tax profit, and the plan warns you about tax thresholds a bank desk never mentions.
1 · What you have
= ৳10,00,000 · 10 lakh
How long you can leave the money invested.
Sets the source-tax rate on bank interest.
2 · Where it goes
Fully allocated ✓Sanchayapatra — 5-year
Government certificate, profit paid at maturity
= ৳5,00,000 · 5 lakh
Official default (জানুয়ারি–ডিসেম্বর ২০২৬) — editable
- You get back
- ৳7,47,950
- Net profit
- +৳2,47,950
- Tax & charges
- −৳13,050
- Return after tax
- 8.39%
Bank FDR
Fixed deposit — simple interest at maturity
= ৳4,00,000 · 4 lakh
Edit to the rate your bank offers.
- You get back
- ৳5,60,200
- Net profit
- +৳1,60,200
- Tax & charges
- −৳19,800
- Return after tax
- 6.97%
Savings account
Liquid money at a low rate — your emergency slice
= ৳1,00,000 · 1 lakh
Edit to the rate your bank offers.
- You get back
- ৳1,14,449
- Net profit
- +৳14,449
- Tax & charges
- −৳1,605
- Return after tax
- 2.74%
What an advisor would tell you
- Your bank slices pay about ৳1,800 in excise duty over the horizon (charged yearly per account on its highest balance).
Plan breakdown(estimate)
- Total invested
- ৳10,00,000
- Gross profit
- + ৳4,57,054
- Value before tax
- ৳14,57,054
- Source tax
- − ৳32,655
- Excise duty
- − ৳1,800
- You keep
- ৳14,22,599
Estimates using FY2025-26 tax rules. Periodic-payout certificates count their payouts as cash collected (not reinvested). Confirm current rates and terms before investing.
Assumptions used
- Each slice uses the same method as its dedicated calculator: FDR earns simple interest at maturity, savings accounts compound half-yearly, DPS uses annuity-due monthly compounding, and Sanchayapatra pays simple profit on the face value (the official NSD method).
- A DPS slice is a monthly deposit fed from your lump sum — its invested amount is the monthly deposit × number of months.
- The Sanchayapatra source-tax rate (5% up to ৳5 lakh, 10% above) is decided by your TOTAL certificate investment across all slices, matching the actual rule.
- Bank slices (FDR, savings, DPS) deduct source tax on interest (10% with TIN, 15% without) and yearly excise duty on each year's highest balance.
- Certificates that pay profit monthly or quarterly are counted as cash you collect — the model does not reinvest those payouts.
- If your horizon is longer than a certificate's term, the matured money is assumed to sit idle afterwards; if shorter, real early-encashment rates would be lower than shown.
Good to know
The ৳5 lakh Sanchayapatra tax threshold is per person, not per certificate
Source tax on Sanchayapatra profit is 5% only while your total investment across ALL savings certificates stays at or below ৳5,00,000 — one taka above and the 10% rate applies to the profit on everything. The planner adds your certificate slices together and warns you when a split crosses the line, which is exactly the kind of thing a bank desk won't mention.
Blended return is what your whole plan earns, not the best slice
The headline blended return is the investment-weighted average of each slice's after-tax annual return. Money left unallocated or sitting in a low-rate savings account drags it down — that's visible on purpose, because idle money is a real cost of a portfolio.
Rates are editable defaults, never forced
Sanchayapatra slices are prefilled with the current official profit rates (redetermined every January and July); bank slices use typical market rates. Always replace them with the rate you are actually offered — the math updates instantly.
Related calculators
Sanchayapatra Calculator
সঞ্চয়পত্র ক্যালকুলেটর
Returns, quarterly profit and source tax for all Bangladesh Sanchayapatra certificates.
OpenDPS Calculator
ডিপিএস ক্যালকুলেটর
Estimate the maturity and interest of a monthly Deposit Pension Scheme — or solve for the rate.
OpenFDR Calculator
এফডিআর ক্যালকুলেটর
Fixed Deposit Receipt maturity and profit, with a source-tax and excise-duty estimate.
OpenFrequently asked questions
I have ৳10 lakh — where should I invest it in Bangladesh?
It depends on your tax band, liquidity needs and eligibility, but a common pattern is: up to ৳5 lakh in a 5-year Sanchayapatra (highest safe rate, 5% source tax under the threshold), most of the rest in a bank FDR, and around 10% in a savings account for emergencies. The planner's Balanced preset builds exactly that split so you can adjust it to your situation.
Why does the planner warn me when my Sanchayapatra crosses ৳5 lakh?
Because the source-tax rate on certificate profit is decided by your total investment: 5% at or below ৳5,00,000, 10% above. Crossing the threshold raises the tax on ALL your certificate profit, not just the extra amount, so a split that stays at ৳5 lakh often nets more than a slightly larger one.
How is a DPS slice counted against my lump sum?
A DPS is a monthly commitment, so the planner treats it as a drip from your lump sum: a ৳5,000/month DPS over 5 years uses ৳3,00,000 of your total. Its maturity is computed with the same annuity-due method as the DPS calculator.
Are the results exact?
They are honest estimates. Taxes follow FY2025-26 rules (source tax, excise duty, the certificate thresholds), but banks differ on when they deduct tax, certificate rates change every six months, and periodic payouts are not reinvested in the model. Use the plan to compare options, then confirm figures with the bank or savings office.
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.