How to Use This Calculator
Curious about what your Nagad balance could be earning? Our calculator simplifies the process. Just follow these simple steps to get an instant estimate:
- Enter Balance: Type your average account balance in the field above.
- Click Calculate: Hit the button to process the numbers.
- See Your Earnings: Instantly view your applicable interest rate and your estimated monthly and yearly profit before any deductions.
Understanding Nagad's Savings Interest
Nagad, the Digital Financial Service of the Bangladesh Post Office, offers its users a chance to earn interest on their wallet balance. This feature encourages users to save money in their Nagad accounts. The system is designed with a tiered interest rate structure, meaning the percentage of profit increases as your balance crosses certain thresholds. Our calculator is always updated with the latest rates to give you an accurate estimate.
Nagad's Tiered Interest Rate Structure (2025)
Interest on a Nagad account is calculated based on the day-end balance. This tool uses the latest known public rates for general savings in Bangladesh. The current structure is as follows:
- Balance up to BDT 5,000.00: 0% per annum
- Balance from BDT 5,000.01 to BDT 50,000.00: 2.5% per annum
- Balance from BDT 50,000.01 to BDT 100,000.00: 3.5% per annum
- Balance over BDT 100,000.00: 5.0% per annum
This tool simplifies the calculation for you. Just enter your balance to see your applicable rate and estimated monthly or yearly earnings before any deductions like tax and VAT.
Frequently Asked Questions (FAQ)
What is the current interest rate for Nagad savings?
Nagad uses a tiered interest rate system. As of our latest update, the rates are typically: 0% for balances up to BDT 5,000, 2.5% for BDT 5,000.01 - 50,000, 3.5% for BDT 50,000.01 - 100,000, and 5.0% for balances over BDT 100,000. These rates can change, and our calculator uses this structure for its estimates.
How is Nagad's interest different from bKash's?
Both services use a tiered system, but the specific balance thresholds and interest rates often differ. Nagad has historically offered very competitive rates to attract and retain users in the Bangladeshi market. It's always best to use dedicated calculators for each service to compare potential earnings accurately.
Are there any conditions to receive interest?
Yes. To be eligible for interest, your Nagad account must be active. This usually means performing at least two financial transactions (like mobile recharge, bill payment, or 'send money') in a calendar month and maintaining the minimum required balance.
When does Nagad pay out the interest?
Interest is typically calculated based on your day-end balance but is paid out on a quarterly or semi-annual basis. Please check the latest terms and conditions in your Nagad app for the most accurate payment schedule.
Disclaimer
This is an informational tool and provides estimates based on publicly available interest rates. Rates are subject to change by Nagad at any time. This tool is not affiliated with, endorsed, or sponsored by Nagad or the Bangladesh Post Office.
Furthermore, this calculator is for informational purposes only. We do not encourage users to accept interest, as it is considered 'haram' (forbidden) in Islam. The Prophet Muhammad (ﷺ) cursed those who deal with interest (riba). As narrated by Jabir (may Allah be pleased with him), "The Messenger of Allah (ﷺ) cursed the one who consumes riba, the one who gives it to others, the one who records it, and the two who witness it." (Sahih Muslim 1598). For more details, you can refer to the Hadith at Sunnah.com.