FDR Calculator Bangladesh
Enter the deposit, your bank's rate and the term to see interest, tax and the amount you get back. এফডিআর ক্যালকুলেটর — ফিক্সড ডিপোজিটে মুনাফা ও মাসিক আয়Last updated: October 2026.
Same deposit and rate over other terms
| Term | Interest | After tax | You get back |
|---|
How FDR interest is calculated
An FDR (fixed deposit receipt) pays a fixed yearly rate on a lump sum for a fixed term. For terms up to a year most banks pay simple interest at maturity: interest = deposit × rate × months ÷ 12. On ৳5,00,000 at 10% for 12 months that is ৳50,000 before tax. For 3 months it is ৳12,500 and for 6 months ৳25,000.
For terms longer than a year, or when you let an FDR renew with its interest, the interest is added to the deposit and earns interest itself. With quarterly compounding, maturity value = deposit × (1 + rate ÷ 4)4 × years. The same ৳5,00,000 at 10% compounded quarterly for 3 years becomes ৳6,72,444. Choose the compounding your bank states on the receipt.
FDR interest on ৳1,00,000
| Rate | 1 year, simple | Per month | 3 years, quarterly compounding |
|---|---|---|---|
| 7% | ৳7,000 | ৳583 | ৳1,23,144 |
| 8% | ৳8,000 | ৳667 | ৳1,26,824 |
| 9% | ৳9,000 | ৳750 | ৳1,30,605 |
| 10% | ৳10,000 | ৳833 | ৳1,34,489 |
| 11% | ৳11,000 | ৳917 | ৳1,38,478 |
| 12% | ৳12,000 | ৳1,000 | ৳1,42,576 |
The last column is the amount you get back, deposit included. For other amounts, multiply: ৳5,00,000 gives five times these figures.
Monthly income from an FDR
Some banks sell a monthly-income or monthly-benefit deposit that pays the interest out each month instead of at the end. The calculator shows the interest after tax divided by the number of months as a guide to that income. A bank's monthly-benefit product usually carries a slightly lower rate than its ordinary FDR, so check the product sheet.
Tax, excise duty and early encashment
Banks deduct income tax at source from FDR interest, at a rate that depends on your tax status, and deduct excise duty yearly from accounts above the balance thresholds set in the budget. Neither is assumed: enter your bank's tax rate to see the after-tax result. If you break an FDR before maturity, banks normally pay a lower rate, often the savings rate, for the time the money stayed. A loan against the FDR can cost less than breaking it.
FDR, DPS or Sanchayapatra
An FDR suits money you already have and may need back on a known date. A DPS builds a sum from monthly savings. Sanchayapatra is a government instrument with its own rates, purchase limits and tax deducted at source. Put the same amount and term through each calculator with the current rates to compare what you would actually receive.
Frequently Asked Questions
How is FDR interest calculated in Bangladesh?
For a simple FDR, interest = deposit × yearly rate × months ÷ 12. For a compounding FDR, maturity value = deposit × (1 + rate ÷ compounding periods)^(periods × years). Tax at source is deducted from the interest.
How much interest does 1 lakh taka FDR give in a year?
It depends on your bank's rate. At 10% a year, ৳1,00,000 earns ৳10,000 in 12 months before tax. Enter your bank's rate for the exact figure.
How much monthly income will 10 lakh taka in FDR give?
At 10% a year, ৳10,00,000 earns ৳1,00,000 a year, about ৳8,333 a month before tax. The amount after tax depends on the source tax rate your bank applies.
What is the difference between simple and compound FDR?
With simple interest the bank pays interest only on the original deposit. With compounding, earned interest is added to the deposit and earns interest too, which matters for terms longer than a year or for auto-renewed FDRs.
Is tax deducted from FDR interest?
Yes. Banks deduct income tax at source from the interest, and excise duty is deducted yearly from accounts above the thresholds in the budget. Enter your bank's tax rate in the calculator.
What happens if I break an FDR early?
Banks normally pay a lower rate, often the savings account rate, for the period the deposit stayed. Each bank's rule is on its FDR product sheet.
What is the effective yearly rate?
It is the yearly return once compounding is counted. For example, 10% compounded quarterly is an effective 10.38% a year.