DPS Calculator
POPULARCalculate DPS monthly installment profit, total interest, maturity amount, and tax deductions for Bangladeshi banks (Islami Bank, Sonali Bank, BRAC, DBBL, City Bank, bKash/Nagad). Free Deposit Pension Scheme calculator with Islamic Mudaraba mode and amortization schedule.
Category: CalculatorsDPS Calculator Bangladesh
Deposit Pension Scheme profit, maturity amount, tax deductions & bank comparison calculator.
৳ 0
Yearly Growth & Amortization Schedule
| Year | Monthly Deposit | Total Deposited | Profit This Year | Total Profit Earned | Year End Balance |
|---|
Estimated Returns Across Top Bangladeshi Banks (৳5,000 / Month for 5 Years)
| Bank Name | DPS Scheme Type | Est. Rate p.a. | 5-Year Deposit | Est. Total Profit | Est. Maturity Amount |
|---|---|---|---|---|---|
| IB Islami Bank (IBBL) | Mudaraba DPS | 8.50% | ৳ 3,00,000 | ৳ 74,845 | ৳ 3,74,845 |
| SB Sonali Bank (Govt) | Monthly DPS | 8.25% | ৳ 3,00,000 | ৳ 72,350 | ৳ 3,72,350 |
| BB BRAC Bank | Future Star / Regular | 9.50% | ৳ 3,00,000 | ৳ 85,110 | ৳ 3,85,110 |
| DB Dutch-Bangla Bank (DBBL) | Deposit Pension | 8.50% | ৳ 3,00,000 | ৳ 74,845 | ৳ 3,74,845 |
| BK bKash / Nagad Digital Savings | IDLC / Mutual Trust | 8.00% | ৳ 3,00,000 | ৳ 69,890 | ৳ 3,69,890 |
Deposit Pension Scheme (DPS) Statement
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Plan Specifications
| Scheme Mode: | Standard DPS |
| Monthly Installment: | ৳ 0 |
| Investment Tenure: | 5 Years |
| Interest / Profit Rate: | 9.0% p.a. |
| Compounding: | Monthly (12/yr) |
Maturity & Returns Summary
| Total Principal Deposited: | ৳ 0 |
| Total Profit / Interest: | ৳ 0 |
| Gross Maturity Amount: | ৳ 0 |
| Govt Source Tax: | -৳ 0 |
| Net Maturity In-Hand: | ৳ 0 |
Yearly Amortization Breakdown Table
| Year | Monthly Installment | Cumulative Deposit | Profit in Year | Cumulative Profit | Year End Balance |
|---|
How to Use DPS Calculator?
Follow these 4 simple steps to get your work done in seconds.
Select Monthly Deposit Amount
Use the slider or quick buttons to choose your monthly installment amount (e.g. ৳5,000).
Set Investment Tenure
Select your preferred tenure from 1 to 20 years (5 and 10 years are the most common).
Choose Bank or Profit Rate
Click a bank preset button (e.g. Islami Bank, Sonali Bank, BRAC) or enter your own custom interest rate.
Review Maturity & Yearly Schedule
Instantly view your total deposit, gross profit, tax deductions, and print the year-by-year amortization breakdown.
What is DPS and How Does It Work in Bangladesh?
A Deposit Pension Scheme (DPS) is one of the most reliable and popular recurring savings instruments in Bangladesh. It allows individuals to deposit a fixed amount of money every month (e.g., ৳500, ৳1,000, ৳5,000, ৳10,000 or more) over a specified tenure—typically ranging from 1 year to 20 years. At the end of the term, the account holder receives their accumulated total deposits along with compounded interest or halal Islamic Mudaraba profit.
Our Free DPS Calculator accurately computes the total principal investment, compounded interest, estimated government source tax (with or without TIN), excise duty, and net in-hand maturity amount based on current Bangladesh Bank regulations and commercial bank interest structures.
How is DPS Interest & Maturity Calculated?
In commercial banks and financial institutions, recurring deposits earn compound interest on a monthly basis. Since you deposit money on a monthly installment schedule, your earlier installments earn interest for a longer period than later ones:
Government Source Tax (উৎস কর) & Excise Duty Rules
With TIN Certificate (১০% কর)
If the account holder provides a valid Tax Identification Number (TIN/e-TIN), a 10% source tax is deducted only from the earned profit portion.
Without TIN Certificate (১৫% কর)
If no TIN certificate is submitted to the bank, the government mandates a 15% source tax deduction from the total interest/profit earned.
Islamic Mudaraba DPS (মুদারাবা সঞ্চয় স্কিম)
For individuals seeking Shariah-compliant financial growth, Islamic banks (such as Islami Bank Bangladesh, Al-Arafah, First Security, Shahjalal) operate under the Mudaraba principle. The depositor is the Rab-ul-Maal (investor) and the bank acts as the Mudarib (fund manager). Profit is shared on an agreed-upon profit-sharing ratio (PSR) and is 100% free of conventional usury (Riba).
Calculator Features
- Dual Mode: Maturity & Target Goal reverse calculator.
- Top Bank Presets: IBBL, Sonali, BRAC, DBBL & bKash.
- Tax Deduction: 10% TIN and 15% non-TIN calculation.
- Amortization Table: Complete year-by-year schedule.
- Print Statement: Clean bank-grade print report.
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