Fixed Deposit Calculator — UAE
Calculate your fixed-deposit maturity value and interest in AED at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
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 AED 75,000 deposited at 3.50% for 5 years (quarterly compounding):
- Maturity value: AED 89,275
- Interest earned: AED 14,275
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.
A real-data rate check: fixed deposit rates in the UAE (2026)
Many online calculators default to a flat 5% or 6% for a UAE fixed deposit (FD), a holdover from higher global-rate eras. That is not what banks are actually paying in September 2026. Because the AED is pegged to the US dollar, the Central Bank of the UAE (CBUAE) mirrors the US Federal Reserve almost exactly: on 16 September 2026 the CBUAE raised its Base Rate (applied to the Overnight Deposit Facility) by 25 basis points to 3.90%, following the US Federal Reserve's rate rise the same day. Bank FD rates for retail customers sit close to, and sometimes above, this base rate depending on the bank and campaign, not at the 5-6% many calculators assume.
A same-week market survey (Angel in Dubai, updated 11 September 2026) put 12-month AED term deposit rates at roughly HSBC UAE up to 3.50%, ADCB Advantage FD at 4.00% (regular FD up to 2.95%), FAB Advantage FD at 4.00% (regular FD up to 2.95%), Emirates NBD up to 3.25%, and Islamic Wakala deposits from Dubai Islamic Bank and Emirates Islamic around 3.0-3.95%. A separate rate comparison (StashAway MENA, 2 September 2026) listed ADCB at 4.00%, FAB at 3.52%, Emirates NBD at 2.85%, and Mashreq at 2.58% for standard 12-month AED FDs. Taken together, ordinary 12-month AED fixed deposits for a general depositor cluster in the roughly 2.6%-4.0% range, with promotional or higher-tier products reaching 4.0-4.25%.
A more realistic example: at a 3.5% annual rate (a reasonable mid-point across Emirates NBD, FAB, ADCB and Mashreq's published 2026 rates), a AED 50,000 deposit compounded annually for 12 months using A = P(1+r/n)^(nt) with P=50,000, r=0.035, n=1, t=1 grows to A = 50,000 x 1.035 = AED 51,750, i.e. AED 1,750 in interest. If the same deposit were rolled over annually at the same rate for 5 years, A = 50,000 x (1.035)^5 = AED 59,384, a gain of AED 9,384 — a useful reference point against calculator outputs that assume a much higher headline rate.
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.
What is a realistic default interest rate for a 12-month AED fixed deposit in 2026?
Based on published bank rate sheets and market surveys from September 2026, ordinary 12-month AED fixed deposits from major UAE banks (Emirates NBD, FAB, ADCB, Mashreq) pay roughly 2.6% to 4.0% per year, with an average around 3.5%. This calculator uses 3.5% as a realistic general-population default; your actual offer will vary by bank, deposit size and campaign.
Why are UAE fixed deposit rates tied to the US Federal Reserve?
The UAE dirham (AED) is pegged to the US dollar, so the Central Bank of the UAE (CBUAE) moves its Base Rate in lockstep with the US Federal Reserve's rate decisions. On 16 September 2026 the CBUAE raised its Base Rate by 25 basis points to 3.90%, following the US Federal Reserve's rate rise that day, and UAE bank deposit rates move up or down with this cycle.
Which UAE banks pay the highest 12-month AED fixed deposit rates?
As of early-to-mid September 2026, ADCB and FAB's promotional "Advantage" fixed deposit products were among the highest at 4.00% for 12 months, while their regular fixed deposits paid up to about 2.95%. Emirates NBD was quoted between roughly 2.85% and 3.25%, Mashreq around 2.58%, and HSBC UAE up to about 3.50%, so it pays to compare a bank's standard product against its promotional tier.
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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.
Additional sources for this page
StashAway MENA (2 September 2026): Best Fixed Deposit Rates in UAE comparison, listing Emirates NBD, FAB, ADCB and Mashreq 12-month AED rates. Angel in Dubai (11 September 2026): UAE Savings & Fixed Deposit Rates comparison across major conventional and Islamic banks. Zawya / CBUAE (17 September 2026): CBUAE raises the Base Rate by 25 basis points (to 3.90%). See our methodology and editorial policy for how we source and update this data.