Investments
What your money earns while you are not looking, measured against inflation rather than against zero.
Money sitting still. ৳83,841.87 is parked in wallets earning nothing. At a modest 8% deposit rate that costs you ৳5,868.93 a year in returns you simply are not collecting. Even a 30 day deposit beats leaving it where it is.
Your instruments
Ranked by current value. The percentage is the real return after inflation.
Nothing recorded yet. Add your fixed deposits, DPS, sanchayapatra or stocks and this page will tell you what they earn per day and whether they are actually beating inflation.
Idle cash
Balances earning nothing where they sit.
Ammu Savings
৳78,000
costs ৳5.5K a year
Brac Bank
৳3,668.05
costs ৳256.8 a year
bKash
৳2,173.82
costs ৳152.2 a year
Keep enough for your safety buffer and immediate bills. Everything above that is capital doing nothing, and the cost of that compounds quietly.
What regular saving builds
Compound growth on a fixed monthly deposit. The point is how much of the total is interest.
৳5K a month for 3 years at 8%
৳204,028.97
You pay in ৳180K12% of the total is interest
৳10K a month for 5 years at 8%
৳739,667.02
You pay in ৳600K19% of the total is interest
৳2K a month for 2 years at 7.5%
৳51,936.03
You pay in ৳48K8% of the total is interest