Fixed Deposit & Savings Calculator
See how your savings grow with compound interest — for a one-off fixed deposit or with regular monthly top-ups.
Balance at maturity
AED 56,364
AED 6,364 earned on AED 50,000 deposited
- Year 1
- AED 52,037 (+AED 2,037)
- Year 2
- AED 54,157 (+AED 4,157)
- Year 3
- AED 56,364 (+AED 6,364)
Frequently asked questions
What are fixed deposit rates in the UAE?▾
In 2026, AED fixed deposit rates mostly range from about 2.5% to 4.5% a year for 12 months, depending on the bank, the amount and the term. Promotional and digital-bank rates can be higher for short terms or new money.
Is interest on savings taxed in the UAE?▾
No. The UAE doesn't charge personal income tax, so interest and profit on savings accounts and fixed deposits are paid in full.
What happens if I break a fixed deposit early?▾
Most banks let you withdraw early but pay a reduced rate or no interest at all for the time held. Check the premature withdrawal terms before you lock in.
How do Islamic deposits work?▾
Islamic banks offer Wakala or Mudaraba deposits that pay an expected profit rate instead of interest. Returns are usually comparable to conventional fixed deposits.
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Results are estimates for guidance only and don't constitute financial advice. Confirm exact figures with your bank or employer.