DPS (Deposit Pension Scheme) Calculator
See your maturity amount, total deposits and interest earned.
DPS Details
Maturity Amount
DPS Growth Schedule
See how your savings grow month by month.
| Month | Deposit | Interest | Balance |
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How does the DPS maturity amount grow?
Your monthly deposit earns interest every month, and that interest is added to your balance and starts earning interest too. This compounding effect is what makes DPS grow faster than simply adding up deposits.
DPS Calculator FAQ
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DPS Calculator (Bangladesh) — grow your monthly savings
The Deposit Pension Scheme (DPS) is one of Bangladesh's most popular low-risk savings tools. You deposit a fixed amount every month and receive a guaranteed maturity amount after 3, 5 or 10 years. This DPS calculator instantly converts your monthly deposit, tenure and interest rate into a precise maturity amount, total deposit and interest earned.
How DPS works in Bangladesh
You choose a monthly deposit (commonly 500–50,000 BDT) and a tenure of 3, 5 or 10 years.
Interest is compounded, typically quarterly or monthly, at rates of 4.5–7% depending on the bank and tenure. Longer tenures earn higher rates.
At maturity, banks usually pay the full amount including the final month's compounding. Some banks allow monthly, quarterly or yearly payout options instead, where interest is paid out periodically rather than compounded.
Comparing DPS with FDR and savings accounts
A DPS enforces disciplined monthly saving, unlike a fixed deposit which requires one lump sum.
DPS rates are usually 0.25–1% lower than FDR (Fixed Deposit Receipt) but beat regular savings accounts by 2–3%.
A 10-year DPS with monthly compounding grows substantially: a 2,000 BDT monthly deposit at 6% is worth about 3.3 lakh BDT at maturity, of which interest alone is roughly 92,000 BDT.
How to use this calculator
- Enter your monthly DPS deposit amount in BDT.
- Input the annual interest rate your bank offers (typically 4.5–7%).
- Select the tenure in years (3, 5 or 10 are standard).
- The calculator shows your maturity amount, total deposits and total interest earned.
- Use monthly compounding for the most accurate result.
Pro tips
- Choose the longest tenure you can manage — 10-year DPS accounts offer the highest rates and maximum compounding.
- Set up an auto-debit from your savings account to avoid missed-instalment penalties.
- Compare at least 3 banks; the 'promotional' rates for new DPS accounts can be 0.5–1% higher.
Advantages & considerations
✅ Advantages
- Guaranteed returns backed by the bank
- Develops a disciplined saving habit
- Withdrawal restrictions protect the goal
⚠️ Considerations
- Withdrawal before maturity incurs penalties
- Returns barely beat inflation in many years
- Interest income above thresholds is taxable