# InCalc BD — Deposit, loan & DSCR tools

> Deposit, loan & DSCR tools (iPhone/iPad app by Adnan Rashid.)

- Source: https://appshunter.io/ios/app/incalc-bd/id6780260202 (this page in markdown: same URL + `.md`)
- Developer: [Adnan Rashid](https://appshunter.io/developer/1896731782)
- Category: Finance, Business
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 4 MB
- Languages: American English
- Released: 2026-06-17
- Data updated: 2026-07-17
- User reviews in markdown: https://appshunter.io/ios/app/incalc-bd/id6780260202/reviews.md

## What is InCalc BD?

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.


## Version history (last 3 releases)

### 1.1.1 — 2026-06-30

A fresh new app icon. Same trusted calculators, same numbers — InCalc BD just looks a little sharper on your home screen.

### 1.1.0 — 2026-06-20

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.

### 1.0 — 2026-06-17

No release notes.

## More apps by Adnan Rashid

- [Clauge - Token Analytics](https://appshunter.io/ios/app/clauge-token-analytics/id6777443865)

All apps by Adnan Rashid: https://appshunter.io/developer/1896731782

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-17.*