💸 BD Cash Out Calculator

Live Demo • Modern web app for accurately computing Bangladeshi Mobile Financial Service (MFS) cash‑out fees.

Traditional calculators still assume a flat 1.85%. This app implements current tiered and contextual fee rules (e.g., bKash Priyo Agent limits, Nagad channel differences, ATM withdrawal variability) to produce precise, explainable results.

---

🚀 Motivation

Cash‑out calculations in Bangladesh now depend on:

• Tiered percentages (e.g. bKash Priyo Agent: 1.49% up to 50,000 Tk monthly, then 1.85%).
• Channel-based pricing (e.g. Nagad App vs USSD).
• Institution-specific ATM withdrawal fees.
• Split scenarios when a transaction straddles a tier boundary.

This project encodes those rules with transparent, test‑backed logic so users can trust the numbers.

---

✨ Key Features

Feature	Description
⚡ Tiered Logic Engine	Splits a single withdrawal across remaining discounted quota and standard rate seamlessly.
📱 Programmatic SEO	Pre-rendered dynamic routes (/bkash, /nagad, etc.) for improved discoverability.
🛡️ Type-Safe	Strict TypeScript interfaces guard financial logic.
🧪 Unit Tested	Jest suites cover edge cases (boundary splits, rate transitions).
🎨 Dynamic Theming	Provider selection auto-adjusts brand palette for UI components.
🚀 Fast Rendering	Next.js App Router + React Server Components for optimized payloads.

---

🛠️ Tech Stack

Layer	Tech
Framework	Next.js 16
Language	TypeScript (strict)
Styling	Tailwind CSS
Testing	Jest
Deployment	Vercel

---

🏃‍♂️ Getting Started

1. Clone

git clone https://github.com/BlasterOverlord/cashout-calculator.git
cd cashout-calculator

2. Install Dependencies

npm install

3. Run Development Server

npm run dev

Open http://localhost:3000 to view the app.

4. Build (Optional)

npm run build
npm run start

---

🧪 Testing

Financial accuracy is critical. The Jest suite covers standard fees, tier boundaries, and split logic.

Run tests:

npm test

Sample Output:

PASS  src/utils/__tests__/calculate.test.ts
  Fee Calculation Logic
    ✓ calculates standard bKash fee correctly (1.85%) (2 ms)
    ✓ calculates Priyo fee correctly when under limit (1.49%) (1 ms)
    ✓ correctly splits fee when transaction crosses the limit boundary (1 ms)

Add more cases in src/utils/__tests__/ to extend coverage.

---

🤝 Contributing

Contributions are welcome!

1. Fork the project
2. Create a feature branch:

   git checkout -b feature/AmazingFeature

3. Commit changes:

   git commit -m "feat: Add AmazingFeature"

4. Push:

   git push origin feature/AmazingFeature

5. Open a Pull Request

Please:

• Write tests for logic changes.
• Update documentation if fee rules are modified.
• Follow conventional commits (feat:, fix:, docs:, etc.).

---

⚠️ Disclaimer

Rates are implemented based on publicly available information and observed provider behavior as of 2025. Always verify critical transactions against official provider disclosures. If a discrepancy is found, please open an issue with:

• Provider name
• Expected vs. actual fee
• Date and channel (App / USSD / ATM)

---

📄 License

Distributed under the GPL-3.0 License. See LICENSE for details.