After-tax return comparison

Investment Calculator

Compare what mutual funds, FDR and Sanchayapatra actually put in your pocket, after tax on the interest.

How would you invest?

A single amount invested today and left to grow for the full term, compared against an FDR and a Sanchayapatra certificate.

Choose a mutual fund

Fund type

Fund name

Investment details

Lump sum amount

Years to grow

1 year10 years30 years

Your income tax bracket

Interest from a DPS, an FDR or a Sanchayapatra certificate is taxed at your marginal slab rate. Mutual fund gains are not.

Instrument rates

FDR rate

Median published one-year rate, assumed renewed yearly.

Sanchayapatra rate

Varies by certificate type and investment size. Editable.

Mutual fund CAGR

Published by EDGE Bangladesh Mutual Fund.

Sanchayapatra profit is paid out so it does not compound. FDR is assumed renewed each year. Interest from both is taxed yearly at your slab rate. Mutual fund growth compounds with no capital gains tax for individuals. Rates are assumed constant. Illustration, not a forecast or tax advice.

Best after-tax return

Mutual fund

Final value: ৳12,70,009
Duration: 10 years
More than FDR: ৳1,13,197

Growth over timeMutual fundFDRSanchayapatra

StartYear 10

Illustration only. Assumes a constant return with no fluctuation. Mutual fund values are not guaranteed and can fall below the amount invested. Past performance does not indicate future results.

Best option
Mutual fund
Compounded, no capital gains tax
৳12,70,009
Investment amount
৳5,00,000
Gain
৳7,70,009
Headline rate
9.77%
Effective annual rate
9.77%
Runners up
FDR
After-tax rate compounds each year
৳11,56,812
Investment amount
৳5,00,000
Gain
৳6,56,812
Headline rate
8.75%
Effective annual rate
8.75%
Sanchayapatra
Simple interest, taxed at slab rate
৳10,91,500
Investment amount
৳5,00,000
Gain
৳5,91,500
Headline rate
11.83%
Effective annual rate
8.12%