BD Tax Optimizer Pro

Finance Act 2026 Unified Personal & Business Tax Planner

Unified e-Return Companion

๐Ÿ“‹ Basic Information & Assets

Select your assessment year, tax demographics, and surcharge assets.

๐Ÿ’ฐ Surcharge Asset Declarations

Required for calculating net wealth surcharge and car environmental taxes.

BDT

Note: Multiple cars trigger an environmental surcharge on Car 2 and Car 3. The advance tax (AIT) paid at registration for all cars is automatically credited to your tax payments.

๐Ÿ’ผ Slabs & Heads of Income

Declare your annual earnings. Exemption rules are dynamically calculated next to each field.

10% added to income annually u/s 39
Distributed over tenure (max 5 yrs)
Used for pro-rating Salami u/s 39
Taxed fully as Other Income in the 7th year

๐Ÿ“ˆ Investment Rebates & Source Taxes

Declare your approved investments for rebate and advance tax payments.

BDT

Approved Rebate Investments

Qualify for 10% tax rebate (capped at 3% taxable income or BDT 7,50,000 maximum rebate).

Max: 1.2L/year
Employee+Employer
Max: 2.5L/year
5 Lakh sub-limit removed
Treasury Bonds & Bills
BDT

Includes salary/bank tax deductions. Note: Car registration AIT is automatically calculated and added.

๐Ÿ“š Tax Laws & Educational Guide

Understand the rules, exemptions, and formulas behind your tax calculation.

๐ŸŽฏ General Exemption Thresholds

The minimum income level before you start paying taxes.

  • General: BDT 4,00,000 (AY 2026-28)
  • Women & Senior Citizens (65+): BDT 4,50,000
  • Physically Challenged / Disabled: BDT 5,25,000
  • War-Wounded Freedom Fighters: BDT 5,50,000
Note: If you are a parent or legal guardian of a disabled child, your threshold increases by an additional BDT 50,000.

๐Ÿ’ผ Heads of Income Rules

  • Employment (Sec 32): The lower of 1/3rd of your total salary or BDT 5,00,000 is tax-exempt. The rest is taxed at standard slab rates.
  • House Property (Sec 35): A standard deduction for Repairs & Maintenance (R&M) is allowed: 25% for residential, 30% for commercial. Adjustable deposits add 10% of their closing balance to your income. Salami is pro-rated over a maximum of 5 years.
  • Agriculture (Sec 38): 60% of your agricultural income is deducted as a flat production cost exemption.
  • Capital Gains (Sec 57): Land sales are taxed at a flat 15%, while gold is taxed at 5%. (Developer agreements allow paying the land tax in 3 annual installments).
  • Financial Assets (Sec 62): Dividends are taxed at a flat 15%. Interest from bank deposits is taxed at your regular slab rates.

๐Ÿ’ฐ Investment Rebates

Investing in approved sectors lowers your tax liability.

  • Eligible Investments: DPS (Max BDT 1,20,000/year), Provident Fund, Mutual Funds (uncapped limit), and Govt Securities.
  • Rebate Formula: Your rebate is the lowest of: 10% of Total Eligible Investment; 3% of Total Taxable Income; or BDT 7,50,000 (Maximum Cap).

โš–๏ธ Surcharges & Filing Periods

  • Wealth Surcharge: Applied if your net wealth exceeds BDT 4 Crore. Rates scale from 10% (up to 10Cr) to 35% (above 50Cr).
  • Environmental Car Surcharge: Car 1 is exempt. Car 2 and Car 3 each pay a surcharge (BDT 25,000โ€“350,000 by CC/kW). AIT on all cars is still credited.
  • Early Filing Incentive: Filing between July 1 - Sept 30 grants a rebate of BDT 100/day (max BDT 5,000 or BDT 10,000 based on location).
  • Late Filing Penalty: Filing after Dec 31 incurs a penalty of BDT 50/day + 2% monthly interest on unpaid taxes.
Net Tax Payable / Refundable
BDT 0 PAYABLE
Taxable Income BDT 0
Slab Regular Tax BDT 0
Less: Rebate - BDT 0
Flat Taxes BDT 0
Net Surcharges BDT 0
Less: AIT Paid - BDT 0
Filing Adjustment BDT 0

๐Ÿ“Š Tax Slab Breakdown (Regular Income)

๐Ÿงพ Calculation Sheet (Unified e-Return)

1. Income Heads & Exclusions โ–พ
Employment Salary (Exempted 1/3rd or Max 5L) BDT 0
House Property Rent (Deducted 25%/30% for R&M) BDT 0
Agricultural Income (Deducted 60% costs) BDT 0
Business Profits / Professional income BDT 0
Financial Assets (Interest & Profits only) BDT 0
Other Sources (Lottery, gifts, royalties) BDT 0
Less: Zakat Center Exclusion (Deduction) - BDT 0
Total Taxable Income (Regular) BDT 0
2. Tax Computation & Flat Taxes โ–พ
Slab Tax on Regular Taxable Income BDT 0
Capital Gains Tax (5% Gold + 15% Property) BDT 0
Dividend Income Direct Tax (15% Flat) BDT 0
Less: Investment Tax Rebate (10% of Investment) - BDT 0
Net Tax Liability (Before Surcharges) BDT 0
3. Surcharges & Adjustments โ–พ
Net Wealth Surcharge (10% to 35% on Tax) BDT 0
Car Environmental Surcharge (Multiple Cars) BDT 0
Less: Advance Tax (AIT/TDS) Paid - BDT 0
Planned Return Filing Period Early Filing
Filing Period Adjustment (Incentive / Penalty) BDT 0
Final Tax Payable BDT 0

Smart Rebate Planner

Calculating optimal investment...

Current: BDT 0 Goal: BDT 750,000

Recommended Actions:

This table compares your tax liability based on your current inputs across all upcoming assessment years:

Metric AY 2026-27 & 27-28 AY 2028-29 & 29-30 AY 2030-31