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Why Bangladesh Tax Calculators Disagree: ৳3.5 Lakh, ৳3.75 Lakh or ৳4 Lakh?
Ask three Bangladesh tax calculators for the tax-free limit (করমুক্ত সীমা) on the return you are filing today and you may get three different answers. All three numbers are real. Only one of them is law. Here is each number's biography.
৳3,50,000 — last year's law
For assessment year 2025-26 (income year 2024-25), the general tax-free limit was ৳3,50,000 under the Finance Act 2024. That was correct — for that year. Any calculator, article or video still leading with ৳3,50,000 for the current return is a year out of date. The full previous card is kept on this site, labelled as what it is, on the 2025-26 slab page.
৳3,75,000 — the proposal that never became law
When the Finance Bill 2026 was presented in June 2026, it proposed a general limit of ৳3,75,000 (with ৳4,25,000 for women and senior citizens, ৳5,00,000 for disability and third-gender taxpayers, ৳5,25,000 for freedom fighters). News reports, budget summaries and a wave of quickly-built calculators published those figures — correctly, as the proposal of the day. Then Parliament amended the Bill: the limit was raised to ৳4,00,000 before the Finance Act 2026 was passed on 29 June 2026 and gazetted on 30 June 2026 as Act No. 96 of 2026. The proposal died; the articles and calculators built on it mostly never noticed. A calculator showing ৳3,75,000 today is calculating with a draft.
৳4,00,000 — the enacted figure
The Finance Act 2026 as enacted sets the general limit at ৳4,00,000 — ৳4,50,000 for women and those 65 or over, ৳5,25,000 for persons with disabilities and third-gender taxpayers, ৳5,50,000 for war-wounded gazetted freedom fighters and gazetted July fighters — and, unusually, fixes the identical card for assessment year 2027-28 as well. These are the figures in PwC Bangladesh's summary of the enacted Act, and they are the figures every tool on this site uses, with the Act named on the page.
The same story, twice more
The rebate. The investment rebate (বিনিয়োগ কর রেয়াত) was 15% of investment with a ৳10,00,000 ceiling last year; the Finance Act 2026 cut it to 10% and ৳7,50,000. A calculator still using 15% overstates your rebate by half as much again. The minimum tax. It used to depend on where you live — ৳5,000 in Dhaka and Chattogram city corporations, ৳4,000 in other city corporations, ৳3,000 elsewhere. It is now a flat ৳5,000 nationwide. Any page asking for your city to compute this year's minimum tax is running last year's rule.
The habit that protects you: before trusting any tax calculator, find the sentence that says which law its numbers come from and when they were checked. If there is no such sentence, the number is a rumour with a user interface. Every TaxHisab page carries that sentence — and the methodology page lists every figure behind it.
Disagreement questions
So which tax-free limit should I actually use?
৳4,00,000 for a general taxpayer, for the return now being filed (income year 2025-26, assessment year 2026-27) and for next year’s. It is the figure in the Finance Act 2026 as enacted and gazetted on 30 June 2026. The ৳3,75,000 figure was a proposal; the ৳3,50,000 figure is last year’s law.
A calculator gave me a different tax on ৳10,00,000. Who is right?
On the current card the answer is ৳75,000 for a general taxpayer with no rebate or surcharge; on last year’s card it is ৳67,500. A third answer usually means the ৳3,75,000 proposal, a rebate quietly applied with last year’s 15% rate, or a minimum tax applied where it does not belong. Run the same income through the flagship calculator here and compare the workings line by line — the workings are the point.