DPS Calculator BD - ডিপিএস বা মাসিক সঞ্চয় ক্যালকুলেটর
DPS Calculator BD - Grow Your Savings Smartly
A Deposit Pension Scheme (DPS) is one of the most popular ways to save money for the future in Bangladesh. Our DPS Calculator BD helps you determine exactly how much you will receive at the end of your tenure based on your monthly installment and the bank's interest rate.
আপনার ভবিষ্যতের জন্য ছোট ছোট সঞ্চয় জমানোর সবচেয়ে জনপ্রিয় উপায় হলো ডিপিএস (DPS)। আমাদের এই ডিপিএস ক্যালকুলেটরটি ব্যবহার করে আপনি সহজেই জেনে নিতে পারেন নির্দিষ্ট মেয়াদ শেষে আপনি মোট কত টাকা (Maturity Amount) পাবেন।
How to use the DPS Calculator:
- Monthly Deposit: Enter the amount you plan to save every month (e.g., Tk 500, Tk 5,000).
- Interest Rate: Input the annual interest rate offered by the bank (usually 6% to 9%).
- Tenure: Choose the period in years (e.g., 3, 5, or 10 years).
- Instant View: See your total investment, total interest earned, and the final maturity amount.
Why Use Our DPS Tool?
- Bank Comparison: Compare maturity offers between banks like Islami Bank, SCB, or Sonali Bank.
- Goal Setting: Calculate how much you need to save per month to reach a specific financial goal.
- Simple & Fast: Get results in seconds with no registration required.
বাংলাদেশের ব্যাংকগুলোর DPS (Deposit Pension Scheme) হিসাব করুন
১০% ট্যাক্স কাটা হবে
Understanding DPS Interest and Taxation in Bangladesh
DPS calculation uses the Monthly Compound Interest formula, where interest is added to your balance every month.
ডিপিএস (DPS) এর লাভ ও কর সংক্রান্ত প্রয়োজনীয় তথ্য:
The Mathematical Logic:
The formula for DPS maturity is: M = P × [{(1 + r)^n - 1} / r] × (1 + r)
- M: Maturity Value
- P: Monthly Installment
- r: Monthly Interest Rate (Annual Rate / 12 / 100)
- n: Total number of months
Tax at Source (AIT):
In Bangladesh, the government deducts Advance Income Tax (AIT) from the interest earned.
- 10% Deduction: If you have a valid E-TIN.
- 15% Deduction: If you do not have a valid E-TIN. You can verify your E-TIN status on the National Board of Revenue (NBR) website.
Internal Related Tools:
- FD Calculator BD - For one-time large savings.
- Zakat Calculator BD - Calculate Zakat on your matured savings value.
Frequently Asked Questions (FAQs)
Q: Can I withdraw my DPS early? A: Yes, but most banks will apply a lower interest rate (usually the savings account rate) if you withdraw before the maturity date. This is called a Premature Closure Penalty.
Q: Is the interest rate fixed? A: For most DPS schemes, the rate is fixed at the time of opening. However, some "Variable Rate" schemes might exist that follow Bangladesh Bank guidelines.
Q: What happens if I miss an installment? A: Most banks charge a small late fee. If you miss multiple months, the bank might close the DPS and move the balance to your regular savings account.
Disclaimer: Calculation results are estimates and may vary slightly based on specific bank policies and fractional compounding rules.