Fixed Deposit Calculator — UAE
Calculate your fixed-deposit maturity value and interest in AED at current rates. No signup, no tracking.
Fixed deposit rates in UAE (2026)
FD rates ≈ 3.5–4.5% p.a. Islamic alternatives: Wakalah/Mudarabah deposits at similar profit rates.
At around 3.5%, the fixed-deposit rate in UAE is around the typical range for developed-market deposits.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every AEDÂ 100,000 deposited at 3.50% for 5 years (quarterly compounding):
- Maturity value: AEDÂ 119,034
- Interest earned: AEDÂ 19,034
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in UAE
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Frequently Asked Questions
How is FD maturity calculated in UAE?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in UAE?
As a 2026 reference, fixed-deposit rates are around 3.5% per year, varying by bank and tenure. FD rates ≈ 3.5–4.5% p.a. Islamic alternatives: Wakalah/Mudarabah deposits at similar profit rates.
Is FD interest taxable in UAE?
The UAE levies no personal income tax — bank interest earned by individuals is entirely tax-free, confirmed by the UAE Federal Tax Authority.
Is a fixed deposit safe in UAE?
Fixed deposits carry no market risk. In the UAE, bank deposits are protected by the Central Bank of the UAE's Deposit Protection Scheme (launched 2020) up to AED 100,000 per depositor, per bank. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in UAE?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
Related calculators
More money tools
Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.