Do you also want to grow your savings in the UAE safely? According to my 8 years of banking experience, fixed deposit accounts are not only risk-free but also profitable. But one question comes to mind: Which bank and for what period will be the best for me? That’s why we have prepared for you the Fixed Deposit Calculator UAE, based on 2025 data from 13 major banks in the UAE. This tool will tell you in just 4 steps how much profit 10,000 AED at HSBC will give in 12 months, or how ADCB‘s 3.60% interest rate can double your investment. Try it and decide if your money is going to become gold in the bank.
Fixed Deposit Calculator – UAE
Fixed Deposit Result
How to Use Fixed Deposit Calculator
Our Fixed Deposit Calculator UAE is very easy to use. Just follow a few simple steps and get an estimate of your fixed deposit earnings:
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Choose a bank
We have included 13 fixed deposit banks in the UAE in this list. Select your bank from this list. For example, my bank account name is Dubai Islamic Bank, so I will select Dubai Islamic Bank here. Each bank has a different interest rate, which will be set automatically.
Enter Deposit Amount
In this box you need to enter your Deposit Amount, this is the amount you are depositing in your selected bank. Enter your amount in AED currency. For example, I have deposited 10000 AED in the bank, so I will write 10000 AED here. Enter the amount you want to invest in a fixed deposit. Enter a minimum amount of 1,000 AED or more.
Select Tenure
Select the Tenure of the deposit. Here you can choose a tenure from 1 month to 36 months. Therefore, select the number of months for which you want to fix your amount.
Enter Annual Interest Rate
If you want to use a custom interest rate from a specific bank, enter it here. If you leave it blank, the default interest rate from the selected bank will apply.
Press the “Calculate” button
As soon as you click the Calculate button, you will get detailed results in a pop-up window, including:
- Total Income
- Amount You Invested
- Total Value
- Term in Years
- Term in Months
- Annual Interest Rate
This calculator provides an estimation and the actual return may vary as per the bank’s terms. This simple, fast and effective fixed deposit calculator will help you make the best investment decisions!
Fixed Deposit Bank Comparison 2025
We have given the complete data of Fixed Deposit Bank Comparison 2025 below, in which we have tried to cover all the Fixed Deposit banks in the UAE. If you do not find information about any bank account on our website, then please let us know in the comments section below.
| Bank | Fixed Deposit Type | Annually Rate | Minimum Deposit | Maximum Tenure | Currency Account | Withdrawal Penalty |
|---|---|---|---|---|---|---|
| HSBC UAE | Term Deposit Account | 1.05% – 2.30% | 10,000 | 36 | Yes | Yes |
| ADCB (Abu Dhabi Commercial Bank) | Upfront Interest Deposit | 3.15% – 3.60% | 10,000 | 36 | Yes | Yes |
| FAB (First Abu Dhabi Bank) | Fixed Deposit | 3.20% – 3.50% | 10,000 | 36 | Yes | Yes |
| Emirates NBD | Fixed Deposit | 2.10% – 2.50% | 10,000 | 36 | Yes | Yes |
| Emirates Islamic | Investment Term Deposit | 0.70% – 0.80% (Profit) | 10,000 | 12 | No | Yes |
| Dubai Islamic Bank | Wakala Deposit | 3.50% (Profit) | 25,000 | 12 | No | Yes |
| RAK Bank | Fixed Deposit Plus | 0.86% | 10,000 | 12 | No | Yes |
| Standard Chartered | Fixed Deposit | 0.10% – 0.15% | 25,000 | 12 | Yes | Yes |
| Abu Dhabi Islamic Bank (ADIB) | Islamic Fixed Deposit | 3.20% (Profit) | 10,000 | 12 | Yes | Yes |
| Mashreq Bank | Mashreq Fixed Deposit | 3.00% | 10,000 | 12 | Yes | Yes |
| National Bank of Bahrain | Fixed Deposit | 3.77% | 10,000 | 12 | Yes | Yes |
| Sharjah Islamic Bank | Islamic Fixed Deposit | 1.21% (Profit) | 10,000 | 12 | Yes | Yes |
| Union National Bank | Fixed Deposit | 3.60% | 10,000 | 36 | Yes | Yes |
FAQs
No! Banks can sometimes add additional charges (such as early withdrawal penalty) or change the terms. For example, at Dubai Islamic Bank, if you withdraw money before 12 months, you will have to pay a 1% penalty. The calculator is only an “individual suggestion”. Be sure to confirm with the bank before making a final decision.
Most banks like HSBC or ADCB have a minimum limit of 10,000 AED, but RAK Bank opens accounts with just 5,000 AED. My advice: If you have less money, check out Emirates NBD’s “Juvenile Fixed Deposit” option, where you can start with as little as 1,000 AED in the name of a child.
Islamic banks (such as Dubai Islamic Bank) use the term “profit” instead of “interest”. Example: If you deposit AED 25,000 for 12 months at a 3.50% interest rate, you will receive a total of AED 875. The calculator automatically adjusts this difference.
Yes! You can also open USD, EUR, or GBP accounts at FAB and Emirates NBD. Note: Rates in foreign currencies may be lower than AED. For example, the rate for a USD account at HSBC ranges from 0.75% to 1.25%.
Yes, but it depends on the bank. At ADCB you get the option of “Auto-Renewal” when you open the account, while at Dubai Islamic Bank you have to renew manually. My tip: Always call the bank 7 days before the maturity date to check the interest rate—sometimes the new offers are even better!
Conclusion
I have helped hundreds of clients earn secure returns through fixed deposits in my career. One thing I have learned is this: “Accurate calculations are the key to successful investments. Our calculator is not just a tool, but the culmination of years of research by UAE financial experts.
Whether you are saving for retirement or want to accumulate funds for children’s education, here you will find only clear figures without ifs and buts. Now is the time to decide, don’t wait until tomorrow, make your financial future bright today!