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Five tools, in detail
What each calculator does, and the formula behind it.
No black boxes. Every tool below is explained with its inputs, its outputs and the standard formula it applies — and each one is live on this page, so you can test it before installing.
EMI Calculator
An Equated Monthly Instalment is a fixed payment that covers both interest and principal. The amount stays the same every month; what changes is the split inside it. Early on, most of your payment is interest. By the end, almost all of it is principal.
Inputs
- Loan amount (principal)
- Annual interest rate
- Tenure in months or years
Outputs
Monthly instalment
The fixed amount due each month.
Total interest
What the borrowing costs you overall.
Total payable
Principal plus interest across the term.
Amortisation schedule
Period-by-period split and closing balance.
The formula
EMI = P × i × (1+i)ⁿ ÷ [ (1+i)ⁿ − 1 ]
Where P is the principal, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months. This is the standard reducing-balance method used by banks across South Asia.
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Monthly instalment
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Principal
Interest
Principal—
Total interest—
Total payable—
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Net amount at maturity
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Your deposits
Profit
Total deposited—
Profit earned—
Less source tax—
DPS Calculator
A Deposit Pension Scheme is a recurring deposit: you commit to paying a fixed amount every month for a fixed term, and the bank pays profit on the growing balance. Because each instalment earns for a different length of time, the maturity figure is not simply your deposits plus a flat percentage.
Inputs
- Monthly deposit amount
- Annual profit or interest rate
- Term in years
- Source tax rate on profit, if applicable
Outputs
Total deposited
Your own money across the whole term.
Profit earned
Gross profit before deductions.
Source tax
Deducted at source on profit in most cases.
Net maturity
What actually reaches your account.
The formula
M = D × [ (1+i)ⁿ − 1 ] ÷ i
D is the monthly deposit, i the monthly rate and n the number of instalments. This assumes deposits at the end of each month with monthly compounding.
Check your bank's terms. Some institutions compound quarterly rather than monthly, some credit profit at maturity only, and penalty rules for missed instalments or early closure vary widely. The scheme brochure is the authority; this tool is for comparison.
SIP Calculator
A Systematic Investment Plan invests a fixed amount at regular intervals rather than a lump sum. This calculator projects what those contributions could grow to at an assumed annual rate of return, and separates what you put in from what growth added.
Inputs and outputs
Monthly investment
What you contribute each month.
Expected return
An assumption you choose, not a guarantee.
Invested amount
Total capital you contributed.
Estimated returns
Projected growth on top of that.
The formula
FV = M × [ (1+i)ⁿ − 1 ] ÷ i × (1+i)
M is the monthly instalment, i the monthly rate and n the number of instalments. The trailing (1+i) treats contributions as made at the start of each period, which is the usual SIP convention.
Market investments carry risk. A SIP projection assumes a steady annual return. Real markets do not deliver steady returns — they rise and fall, and the value of an investment can go down as well as up. This tool is a planning aid, not a forecast, and nothing here is a recommendation to invest in any particular fund or scheme.
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Projected value
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Invested
Est. returns
Invested amount—
Estimated returns—
Projection only. Actual returns may be higher, lower, or negative.
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Compounding
Net amount at maturity
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Principal
Interest
Principal—
Interest earned—
Less source tax—
FDR Calculator
A Fixed Deposit Receipt locks a lump sum for a fixed term at a fixed rate. The maturity amount depends heavily on how often interest is compounded — quarterly compounding on the same nominal rate returns more than annual compounding, and the gap widens with term length.
Why compounding frequency matters
Two banks can both advertise 9% and pay different amounts. The calculator lets you switch between monthly, quarterly, half-yearly and annual compounding so you compare like with like before choosing.
Interest earned
Gross interest across the full term.
Source tax
Applied at the rate you enter.
Net maturity
Principal plus interest, after tax.
Effective yield
What the deposit really returned.
The formula
A = P × (1 + r ÷ f)^(f × t)
P is the deposit, r the annual rate as a decimal, f the compounding periods per year and t the term in years.
Tax rates vary. In Bangladesh, tax deducted at source on bank interest commonly differs depending on whether the depositor has filed a return. The tax field is editable so you can enter the rate that applies to you. Confirm the current rate with your bank or tax adviser.
DBR Calculation
Debt Burden Ratio is the share of your monthly income already committed to debt repayment. Lenders use it to decide whether you can afford another instalment. Running it yourself before applying tells you whether an application is realistic — and a declined application can sit on your credit record.
How it is worked out
DBR = ( total monthly obligations ÷ net monthly income ) × 100
Obligations normally include every existing EMI, credit card minimum payment, overdraft servicing and the proposed new instalment. Income means take-home pay after tax and statutory deductions, not gross salary.
Reading the result
- Comfortably below the cap — room for the new instalment with margin for a bad month.
- Close to the cap — likely approvable, but a rate rise or income dip would strain it.
- Above the cap — reduce the amount, extend the tenure, or clear an existing obligation first.
The ceiling is not fixed. Different lenders apply different DBR limits, and the limit often varies by income band, product type and regulator guidance in force at the time. The cap field is adjustable so you can model your lender's actual policy rather than a generic figure. This tool does not predict approval.
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Your Debt Burden Ratio
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Total obligations—
Maximum allowed at your cap—
Remaining headroom—
Income left after obligations—
Around the calculators
Saving, sharing and settings
Share a summary
Generate a clean image of the result to send to a spouse, business partner or relationship manager. Nothing is uploaded to produce it.
Full schedule
View the amortisation table monthly or yearly, showing principal, interest and closing balance for every period.
Currency and format
Set the currency symbol and choose between lakh-crore and international digit grouping so figures read the way you expect.
Appearance
Follow the system theme or pin light or dark. Large, high-contrast figures throughout, readable at a counter.
Data & privacy
Review and clear everything stored locally from one screen. Details in the privacy policy.
Questions about the numbers?
The FAQ covers formulas, tax treatment, prepayment, floating rates and why a bank's figure might differ from the app's.