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Bangladesh Tax Rebate Calculator — See Exactly How Much You Can Save

Enter your salary and other income to find your maximum tax rebate under the Income Tax Act 2023, and exactly how much you need to invest in DPS, Sanchayapatra, or insurance to claim it in full.

Free — no login required
Based on Income Tax Act 2023
Verified by Jasim Uddin FCA
Example calculation
Gross salary
৳ 12,00,000
Taxable income
৳ 8,00,000
↓ results
Maximum tax rebate
৳ 24,000
Investment needed to claim it৳ 2,40,000

✦ Sample only. Enter your salary below for your real number.

Your income

৳
Basic + allowances + perquisites, before any deductions
৳ Includes business profit, rental income, interest income, and capital gains. For business owners, enter net profit. For rental income, enter rent received minus allowable expenses.
Business profit, rental, interest, or other taxable income — optional

Your results

Enter your salary on the left to see your taxable income, maximum rebate, and exactly how much to invest.
How this is calculated

No guesswork — here's the exact formula

This calculator follows the Income Tax Act 2023 rebate structure used by NBR. We show our working so you can verify it yourself.

1

Taxable income

Your gross salary minus the lower of one-third of your salary or ৳5,00,000, plus any other income you earn.

2

Maximum rebate

3% of your taxable income, capped at ৳7,50,000 — this is the most tax credit you're allowed to claim.

3

Investment needed

Rebate is given at 10% of qualifying investment, so we divide your rebate by 10% — capped at ৳25,00,000 invested.

What counts

Which investments qualify for the rebate

A quick preview of the most common qualifying investments. Your free Investment Checklist covers all eligible categories in full detail.

Deposit Pension Scheme (DPS)

Monthly DPS contributions with any bank — one of the most common and accessible rebate-qualifying investments.

Sanchayapatra (Savings Certificate)

Government savings certificates — rebate applies on the interest component received.

Life insurance premium

Annual premium paid toward a qualifying life insurance policy, on yourself or your spouse and children.

Listed share market investments

Stocks and mutual funds on the Dhaka or Chittagong Stock Exchange, subject to holding-period conditions.

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Go further

Your rebate is the start — building real wealth is the goal

Knowing your number is step one. Smart Money Hacks shows you how to turn tax-efficient investing into long-term financial independence.

Smart Money Hacks by Jasim Uddin FCA

Smart Money Hacks

Bangladesh's bestselling personal finance book — savings, investment, and tax-efficient wealth building explained together, by a working tax professional. Rated 4.8 with 640+ reviews on Rokomari.

Buy on Rokomari
Common questions

Frequently asked questions

Is this calculator accurate for my exact situation?
This calculator gives a personalised estimate based on the standard rebate formula under the Income Tax Act 2023. It doesn't account for every edge case — multiple income sources, foreign remittances, or business income can change the picture. For an exact figure, book a 1-on-1 consultation.
What's the difference between a tax rebate and a deduction?
A deduction reduces your taxable income before tax is calculated. A rebate is a direct credit against the tax you owe — it's generally more valuable. The Bangladesh investment tax rebate is a credit, not a deduction.
Do I need to invest the full amount in one instrument?
No — you can split your investment across DPS, Sanchayapatra, life insurance, and listed shares in any combination, as long as the total reaches the amount this calculator shows you.
What happens if I can't invest the full amount?
You'll still get a rebate — just proportionally smaller. The rebate is 10% of whatever you actually invest, up to the maximum this calculator shows. Investing something is always better than investing nothing.
Real results

What people found when they ran the numbers

★★★★★

"I had been avoiding my return for two years because it felt too complicated. Once I saw the actual rebate number, investing the extra amount in DPS was an easy decision — it paid for itself."

Palash Gabriel Gomes
Palash Gabriel Gomes
Individual Taxpayer