🕊️ Financial Planning

The Universal Pension, provident fund and gratuity

Bangladesh has no automatic contributory state pension for private-sector workers. What you get instead — a provident fund, gratuity, and the voluntary Universal Pension Scheme — and how they fit together.

Emergency fund: how much do you need?

An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. Bangladesh has no unemployment benefit, so it matters even more. How to work out your figure and build it.

Financial independence: how to calculate your number

Financial independence means your investment returns cover your spending. How to use the 4% rule, how much your savings rate matters, and how to account for tax, inflation and the absence of a state pension.

How income tax and payroll deductions work in Bangladesh

The tax-free ceiling, the 5% to 30% slabs, minimum tax, TDS on your salary, and the investment tax rebate — an overview of what comes out of your pay and what you can claim.

Home loans, BHBFC and buying a flat in Bangladesh

How a home loan (bank, housing finance company or BHBFC) works, the deposit and rate to expect, and the heavy registration and transfer costs a buyer pays.

What happens if you lose your job in Bangladesh

Bangladesh has no unemployment benefit. What compensation the Labour Act gives on retrenchment or termination, your gratuity and provident fund, and why an emergency fund is the main safety net.