Personal Money Optimizer
Four tools to turn income into a wealth plan.
Plan your monthly budget and portfolio, size a loan EMI, cost out a savings goal, or check your retirement number — all built on current Bangladesh rates and progressive tax slabs (FY2025‑26 / AY2026‑27).
Inflation (CPI)8.3% Jul '26
Policy / Repo9.5%
Top FDR (1‑yr)~10.5–12%
Sanchayapatra~10.5%
Savings a/c3–5%
Snapshot as of August 2026 — Bangladesh Bank cut the repo rate to 9.50% on 2 Aug 2026 and CPI eased to 8.32% in July; bank/NSD yields move often, so confirm the latest figures with your bank or the Department of National Savings before acting.
⚙️ Your financial profile
৳
Enter an income greater than ৳0.
- Dhaka / Chattogram
- Other city / town
- Paying rent
- Own home
- Conservative · protect capital
- Balanced · steady growth
- Aggressive · maximise growth
- General (৳4,00,000 free)
- Woman / Senior 65+ (৳4,50,000)
- Person with disability / 3rd gender (৳5,25,000)
- Gazetted freedom fighter (৳5,75,000)
- Existing taxpayer (min. tax ৳5,000)
- First-time / new filer (min. tax ৳1,000)
৳
৳
Have a loan? Size a new one accurately in the EMI / Loan Calculator tab.
0/100
📊 Monthly allocation
🛡️ Inflation reality check
Portfolio return
0%
Blended, before tax
Inflation
8.3%
Money's drag
Real return
0%
After inflation
20‑year wealth projection—
🚀 Balanced investment placement
Where your monthly ৳0 investment should go.
0%real return
🧭 Your action plan
💰 Savings strategy
📈 Investment strategy
Heads up: This is an educational planning tool, not personalised tax, legal or investment advice. Rates shown are indicative (as of August 2026) and change often — confirm with your bank, the National Board of Revenue (NBR) and the Department of National Savings before acting.
🏦 Loan details
৳
%
yrs
৳
Paying a bit more every month shortens the loan and cuts total interest.
৳
Used only to check the EMI-to-income ratio below.
📐 Repayment summary
Monthly EMI
৳0
Fixed payment
Total interest
৳0
Over full tenure
Total payment
৳0
Principal + interest
EMI / income
0%
—
0%interest share
Loan balance over time—
Heads up: Actual bank EMIs may include processing fees, insurance and rounding. Treat this as a planning estimate and confirm the exact schedule with your lender.
🎯 Your goal
৳
yrs
%
৳
%
Optional — raise your monthly SIP each year as income grows, to reach the goal faster or invest less at the start.
📈 Your plan
Required monthly SIP
৳0
To start
Total invested
৳0
Over the period
Growth earned
৳0
Compounding gain
Projected corpus growth—
Heads up: Assumes steady monthly contributions and a constant annual return compounded monthly — real markets are bumpier. Revisit this plan every year.
🌴 Your retirement inputs
Bangladesh life expectancy is around 73–74 years; planning to 85 builds in a safety margin.
৳
%
৳
%
%
🧮 Your retirement number
Expenses at retirement
৳0
Monthly, inflation-adjusted
Corpus needed
৳0
On the day you retire
Required monthly SIP
৳0
Starting now
Retirement corpus build-up—
Heads up: This uses a real (inflation-adjusted) withdrawal model, not a fixed "25x expenses" rule of thumb, so it better reflects Bangladesh's higher-inflation environment. Review it yearly and after any big income or family change.