Wage Earner Development Bond (WEDB) & CIP Investment Planner
The expat-only government bond pays 11.20% tax-free profit, credited semi-annually — up to ৳15 lakh (proposals exceeding that are invested in Wage Earner Development Bonds, with a ৳30 lakh aggregate cap). See what your savings earn.
About this tool
Plan a Wage Earner Development Bond investment: see the tax-free semi-annual profit schedule, minimum denominations, the death-benefit insurance cover, and how a monthly savings plan compounds over 5 to 10 years. Everything runs in your browser — your numbers never leave this device.
Your payslip is your evidence
Salaries in Saudi Arabia are paid through the Wage Protection System, which means every riyal passes a bank and leaves a government-visible record. That record is your strongest card in any dispute over unpaid or delayed wages — far better than screenshots of promises. Plan your household budget around the WPS cycle: the salary date your contract names, any grace period, and the accrual that builds toward your end-of-service award.
Frequently asked questions
Who can buy a Wage Earner Development Bond?
Bangladeshi wage earners abroad with formal remittance records through banking channels can invest, starting at the minimum denomination of 25,000 taka.
Can I encash the bond early?
Yes, with conditions: premature encashment after the lock-in reduces the profit rate, while full maturity pays the published tax-free semi-annual profit. The planner shows both paths.