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Statutory Financial Toolkit 2026

All Financial Calculators & Decision Tools

Comprehensive computational suite for loans, savings, taxes, gold tariffs, payments, and foreign exchange in Bangladesh.

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Loans & Mortgages

Personal & Retail Loan EMI Calculator

Reducing-balance monthly installment and total interest schedule.

📐 Formula Basis: Reducing-Balance Amortization
Open Calculator →➔
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HotLoans & Mortgages

CIB Score & DBR Loan Eligibility Gateway

Bangladesh Bank 50% DBR cap and pre-qualification eligibility evaluator.

📐 Formula Basis: BB Retail DBR Cap 50%
Open Calculator →➔
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PopularLoans & Mortgages

Property Registration & Mortgage Calculator

Stamp duty 1.5%, Sub-registry 1%, s.53H tax, VAT and upfront cash budget.

📐 Formula Basis: The Registration Act 1908 & Stamp Act 1899
Open Calculator →➔
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NewLoans & Mortgages

Gold Loan & Bullion Mortgage Calculator

Borrow up to 70% Loan-to-Value (LTV) against certified gold bullion.

📐 Formula Basis: BB Gold Pledge Prudential Norms
Open Calculator →➔
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NewLoans & Mortgages

Agri Credit, 4% Crop Subsidy & Microfinance Calculator

Bangladesh Bank 4% concessional crop loans, collateral-free credit, and MRA 24% declining EMI.

📐 Formula Basis: BB ACFID Policy & MRA Circular No. 62
Open Calculator →➔
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Loans & Mortgages

SME & Business Loan CGS Calculator

Bangladesh Bank CGS-SME collateral-free credit guarantee underwriting.

📐 Formula Basis: BB SMESPD Master Circular
Open Calculator →➔
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PopularSavings & Investments

National Savings Certificates (Sanchayapatra)

Multi-tier slab yields for Poribar, Pensioner, 3-Month & 5-Year bonds.

📐 Formula Basis: Internal Resources Division (IRD) Tariffs
Open Calculator →➔
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Savings & Investments

DPS vs FDR Compound Return Simulator

Compound interest schedule, NBR excise duty and 10%/15% AIT deductions.

📐 Formula Basis: Monthly Compounding & ITA 2023 s.102
Open Calculator →➔
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HotSavings & Investments

Treasury Bills, BGTB Bonds & Sovereign Sukuk Calculator

Discount pricing for 91-364d T-Bills, 2-20y BGTB coupons, and Sovereign Ijarah Sukuk returns.

📐 Formula Basis: Public Debt Act 2022 & BB DMD Auction Rules
Open Calculator →➔
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Savings & Investments

Mutual Fund Returns & Capital Gains Tax

Open-end/Closed-end NAV returns and ITA 2023 s.64 capital gains taxes.

📐 Formula Basis: BSEC Mutual Fund Rules
Open Calculator →➔
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Savings & Investments

Pension, Gratuity & Provident Fund Simulator

Labour Act 2006 s.27 gratuity, GPF compounding and Universal Pension.

📐 Formula Basis: Labour Act 2006 Section 27
Open Calculator →➔
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ExpatSavings & Investments

NRB Wage Earners & USD Premium Bonds

High-yield expatriate government bonds with 0% tax and CIP facilities.

📐 Formula Basis: BB FEPD Expatriate Investment Circulars
Open Calculator →➔
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NewTaxes & Compliance

Corporate Income & Section 163 Minimum Tax

ITA 2023 corporate tax rates, s.163 minimum turnover tax, and AIT adjustments.

📐 Formula Basis: ITA 2023 Section 163 & Finance Act
Open Calculator →➔
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EssentialTaxes & Compliance

Income Tax Return & Section 78 Rebate

Income Tax Act 2023 progressive slabs 5%-25% and 15% investment tax rebates.

📐 Formula Basis: Income Tax Act 2023 Section 78
Open Calculator →➔
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NewTaxes & Compliance

Gold Jewellery Making Charges & 5% NBR VAT

BAJUS official rates, minimum BDT 300/g making charge and 5% NBR VAT.

📐 Formula Basis: NBR SRO 186/2019 & VAT Act 2012
Open Calculator →➔
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NewTaxes & Compliance

Withholding Tax (TDS) & VDS Deduction Calculator

Statutory TDS sections 89/90/91, 50% non-PSR penalty, and 43-service VDS vouchers.

📐 Formula Basis: Income Tax Act 2023 & SRO 186/2019
Open Calculator →➔
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NewTaxes & Compliance

Vehicle Import Duty, BRTA & AIT Calculator

Customs duty (CD/SD), hybrid concessions, 0% EV tariff, and Section 153 motor vehicle AIT.

📐 Formula Basis: Customs Act 1969 & ITA 2023 Section 153
Open Calculator →➔
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ShariahIslamic & Shariah

Zakat & Nisab Shariah Wealth Purification

Gold (7.5 Vori) and Silver (52.5 Vori) Nisab with 2.5% zakat calculation.

📐 Formula Basis: AAOIFI Shariah Standard #21
Open Calculator →➔
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Islamic & Shariah

Islamic Banking Shariah Audit & Mudaraba Screener

Mudaraba/Murabaha contract verification and Shariah board compliance.

📐 Formula Basis: Bangladesh Bank Islamic Banking Guidelines
Open Calculator →➔
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Islamic & Shariah

Islamic Takaful & Insurance Premium Calculator

Tabarru donation pool, Wakalah fee, and Mudaraba investment decomposition.

📐 Formula Basis: IDRA Insurance Act 2010
Open Calculator →➔
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DailyPayments & MFS

bKash, Nagad, Rocket & Upay MFS Fee Comparator

Cash-out fees (14.90 - 18.50 BDT/thousand), send money and P2M charges.

📐 Formula Basis: BB PSD Circular 2022
Open Calculator →➔
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Payments & MFS

Interbank Transfer Optimizer (BEFTN/NPSB/RTGS/Binimoy)

Instant vs batch transfer fees, cutoff times and PGW gateway costs.

📐 Formula Basis: BB PSD Interbank Framework
Open Calculator →➔
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Payments & MFS

Credit Card Reward Optimizer & AIT Calculator

Cashback return, airport lounge perks, and interest-free grace periods.

📐 Formula Basis: BRPD Circular No. 11/2020
Open Calculator →➔
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NewGlobal & Forex

Bangladesh Bank Travel Quota ($12,000) Calculator

Annual $12,000 quota, $5,000 SAARC sublimit, and bank endorsement costs.

📐 Formula Basis: BB GFET Vol-1 Chapter 19
Open Calculator →➔
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NewGlobal & Forex

Student File & Overseas Tuition Remittance

University tuition & living cost wire transfers with 0% tax deduction.

📐 Formula Basis: BB FEPD Chapter 10 Master Circular
Open Calculator →➔
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Global & Forex

NRB Remittance & 2.5% Government Cash Incentive

Cross-corridor BDT payout comparison with statutory 2.5% cash incentive.

📐 Formula Basis: BB FEPD Circular 01/2022
Open Calculator →➔
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NewGlobal & Forex

Freelancer ITES 4% Cash Incentive & Payout

4% Government cash incentive on IT export earnings, gateway fee deductions and 0% tax.

📐 Formula Basis: BB FEPD Circular 01/2022 & ITA 2023
Open Calculator →➔
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NewGlobal & Forex

ERQ 70% Foreign Currency Retention & Card Limit

Retain up to 70% in foreign currency for SaaS/ads without personal travel quota limits.

📐 Formula Basis: Bangladesh Bank GFET Guidelines
Open Calculator →➔
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SmartDiagnostics & AI

Financial Health Diagnostic Score

Emergency cushion, debt-to-income, savings rate, and net worth index.

📐 Formula Basis: Personal Finance Resilience Index
Open Calculator →➔
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AI PoweredDiagnostics & AI

AI Smart Financial Advisor

Contextual AI recommendations matching your financial profile and goals.

📐 Formula Basis: Taka101 AI Recommendation Model
Open Calculator →➔
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NewDiagnostics & AI

Digital Lending Safety & License Verification Calculator

Reveal any loan app's true APR, self-check against a 10-item fraud red-flag checklist, and verify licensed NBFI/MFI/MFS institutions.

📐 Formula Basis: FIA 1993 & MRA Act 2006 License Registry
Open Calculator →➔
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NewIslamic & Shariah

Waris & Faraiz Islamic Inheritance Calculator

Hanafi fiqh fixed inheritance shares for spouse, parents, children, and full siblings, including Awl, Radd, and the Umariyyatain special rule.

📐 Formula Basis: Muslim Personal Law (Shariat) Application Act, 1937
Open Calculator →➔
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NewTax Calculators

Rental Income Tax Calculator

Compute net rental income after the repair allowance (25% residential / 30% commercial), municipal tax, insurance, and loan interest deductions, and the real incremental tax under the progressive slabs.

📐 Formula Basis: ITA 2023 — House Property Income Head
Open Calculator →➔
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NewLoans & Mortgages

Lease Financing Calculator (Loan vs Lease)

Compare bank/NBFI installment loans (reducing-balance EMI) vs NBFI Ijara/lease (15% VAT-inclusive rental) — total cost of ownership for auto & equipment financing.

📐 Formula Basis: Reducing-Balance EMI vs VAT-Inclusive Lease Rental
Open Calculator →➔
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NewSME & Business

BB Refinance Scheme Calculator (GTF, Women Entrepreneur, CMSME)

Check eligibility for the Green Transformation Fund, Women Entrepreneur Refinance, and CMSME Stimulus schemes, and calculate total interest savings on a BB-capped concessional loan versus the standard market rate.

📐 Formula Basis: BB → Bank/NBFI → Borrower Spread-Cap Refinance Mechanism
Open Calculator →➔
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NewGlobal & Forex

Letter of Credit (L/C) & Bank Guarantee Cost Calculator

Compare L/C opening commission, usance markup, and BG commission across 10 banks for true all-in trade finance cost.

📐 Formula Basis: Bangladesh Bank GFET & ICC UCP 600 / URDG 758
Open Calculator →➔
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NewLoans & Mortgages

Education Loan & Study Abroad Financing Calculator

Compare EMI & total cost across 9 banks/NBFIs and calculate the GFET 2018 student remittance quota.

📐 Formula Basis: BB Student Loan Scheme & GFET 2018 (Ch. 9)
Open Calculator →➔
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NewLoans & Mortgages

Nano-Loan & BNPL True APR Calculator

Convert flat fee quotes from 9 MFS nano-loan & BNPL providers into effective APR for a true cost comparison.

📐 Formula Basis: BB PSD Digital Lending APR Disclosure Concept
Open Calculator →➔
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NewSavings & Investments

Corporate Bond, Debenture & Perpetual Bond YTM Calculator

Compare coupon vs true yield-to-maturity (YTM) across 10 bank AT1/Tier-2, corporate debenture, perpetual & zero-coupon bond issuers.

📐 Formula Basis: BSEC (Debt Securities) Rules 2021 & CRAB/ECRL Rating Spread
Open Calculator →➔
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Diagnostics & AI

Side-by-Side Product Comparator

Direct side-by-side comparison of fees, rates, and features.

📐 Formula Basis: CRPA 2009 s.44 Disclosure Engine
Open Calculator →➔