🇧🇩 Built for Bangladesh

Make confident money decisions in Bangladesh

Free finance calculators for EMI, DPS, FDR, Sanchayapatra, income tax and more — built to help you understand the result, not just see a number.

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Decision tool

Not sure where to put your money?

Compare a bank FDR against a 5-year Sanchayapatra for your exact amount — ranked by the real return you actually keep after tax.

Compare FDR vs Sanchayapatra

Browse by category

Find the right tool for what you're planning.

Savings · সঞ্চয়

Plan recurring and fixed deposits like DPS and FDR.

Investment · বিনিয়োগ

Government schemes and instruments such as Sanchayapatra.

Loans & EMI · ঋণ ও কিস্তি

Work out installments, total cost and interest on loans.

Interest · সুদ / মুনাফা

Simple, compound and equivalent-rate calculations.

Tax · কর

Income tax and deductions from a Bangladesh perspective.

Made for Bangladesh

What makes Arthonitee different from a generic calculator site.

See the exact rates we use — sourced & dated

৳ and Bangla, by default

Taka formatting with lakh/crore grouping and bilingual labels — not a re-skinned global tool.

Local tax rules built in

Bangladesh income-tax slabs, rebates and source tax considered where they matter.

BD instruments first-class

Sanchayapatra, DPS, FDR and Pension schemes with their real limits and terms.

Understand, don't just calculate

Every result explains the assumptions, tax impact and what the numbers mean for you.

Guides & explainers

Plain-language finance for Bangladesh.

3 min read

How Sanchayapatra source tax actually works

The 5% vs 10% source tax on Sanchayapatra profit is widely misunderstood. Here's the real rule — flat, not tiered, and based on your investment.

4 min read

DPS vs FDR: which suits your goal?

DPS and FDR are both safe bank savings options in Bangladesh — but they fit different situations. Here's how to choose, and what tax to expect.

4 min read

Understanding your income tax rebate

Investing in DPS, Sanchayapatra and other approved products can cut your income tax through the rebate. Here's how it's calculated, with an example.

On the roadmap

Your personal AI money advisor for Bangladesh

Arthonitee is growing into a planning, budgeting and product-comparison assistant that fills in these calculators for you and compares your options — built around your goals.

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100% free No sign-up required Educational use — not financial advice

Frequently asked questions

Is Arthonitee free?

Yes. All calculators are completely free to use and need no account or sign-up.

Are these calculations specific to Bangladesh?

Yes. Calculators use Bangladesh instruments and rules — Sanchayapatra, DPS, FDR, EMI and income tax — with ৳ and local conventions.

Is this financial advice?

No. Arthonitee gives estimates for general guidance. Rates and rules change, so always confirm the latest figures with your bank or National Savings before deciding.