This GPF calculator helps Bangladesh government employees estimate how much their General Provident Fund could grow to by retirement. Enter your current balance, monthly subscription and the years left until retirement to see a year-by-year projection of profit and balance.
GPF profit rates for 2026-27
According to news reports of the Finance Division’s September 2026 notification, the 2026-27 profit rate is 13% for balances up to Tk 15 lakh, 12% for balances above Tk 15 lakh up to Tk 30 lakh, and 11% above Tk 30 lakh. The calculator looks at the balance at the start of each year, applies that single rate to the whole balance, and assumes the same rates continue in future years.
Please verify: the government sets the GPF rate afresh each financial year, and whether a slab rate applies to the whole balance or only to the portion within each slab depends on the wording of the notification. Check the latest Finance Division notification, and use “Enter my own rate” to try other assumptions.
How profit is calculated
Yearly profit = opening balance × rate + each monthly subscription × rate × (months remaining in the year ÷ 12). A July subscription earns a full year’s profit; a June subscription earns one month. This is an approximation, so the accounts office figure may differ slightly.
Frequently asked questions
Where can I see my actual GPF balance?
You can usually check it through the iBAS++ system or get a GPF statement from your accounts office. Enter that balance here to project the future.
How much can be deducted as subscription?
The subscription is set as a percentage of basic pay within a minimum and maximum allowed by the rules. Confirm the current limits with your accounts office.
Disclaimer: this is an estimate; the official accounts office calculation is final.