InCalc BD
Deposit, loan & DSCR tools
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
InCalc BD is a suite of banking calculators built for Bangladesh's lending and deposit products. It does the arithmetic a relationship manager, credit officer or saver actually needs — accurately, instantly, and entirely on your device.
FIVE CALCULATORS
• Loan — EMI, full amortisation schedule, and the effective annual rate once advance instalments or cash security are factored in.
• Deposit — Project FD, DPS, WDS, MBS or a custom scheme. Excise duty and source tax are applied exactly as the rules require, with the 10% (return-filed / PSR) vs 15% source-tax distinction built in. See the gross figure, every deduction, and the net receivable.
• DSCR — Debt-service coverage and burden for a credit memo: income statement, short- and long-term obligations, the proposed loan, and a cost-saving FDR — with the coverage gauge a credit committee expects.
• Compare — Put two scenarios side by side (loan vs loan, or deposit vs deposit) and see which wins, and by how much.
• Settlement — Compute the effective IRR (XIRR) of a loan settlement from the bank's working spreadsheet, or from a blank table you fill in. Import an .xlsx, edit receivables, waivers and payments, and read the true annualised cost.
BUILT FOR ACCURACY
The calculation engine is locked, figure-for-figure, to the InCalc web app and verified against more than a thousand reference vectors. Regulatory values follow the FY2026-27 budget (excise-duty exemption up to ৳4,00,000; source tax 10% with proof of return, 15% without).
PRIVATE BY DESIGN
No account, no sign-in, no tracking, no network calls. Everything runs on your device and your inputs never leave it.
NOT FINANCIAL ADVICE
InCalc BD is a calculation tool for indicative figures. Final, binding numbers are those issued by your financial institution. Always confirm against your bank's official terms.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
A fresh look, sharper numbers.
• New app icon and a refined dark appearance — now on by default.
• Deposits now compound annually for FD, DPS, WDS and MBS, in line with standard bank practice, and your net figures always reflect excise duty and source tax.
• Tap 2× or 3× on a Fixed Deposit to see how long it takes to double or triple at a given rate.
• Set loan, deposit and comparison periods in tidy 3-month steps with one-tap shortcuts.
• Clearer quarterly growth and payoff charts across loan and deposit.
• Accuracy fixes to the DPS and WDS recurring-deposit schemes.
The developer, Adnan Rashid, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Adnan Rashid
- Size
- 2.8 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Adnan Rashid