Understand Your MoneySimply and for Free
One place to learn how to save and invest in the UAE and work out what matters to you — your end-of-service gratuity, your mortgage, your savings — without signing up, without paying anything and without jargon. All in dirhams (AED).
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Learn the Basics
Short, plain-English guides to saving, banks and financial planning in the UAE — to get started without knowing anything about money.
What is a savings account and how much does it pay?
A savings account keeps your money safe and pays interest that changes over time. How the interest works, why there is no tax on it, and how safe your deposit is — and when a savings account is enough.
Read the article →Emergency fund: how much do you need?
An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. The UAE's ILOE unemployment insurance is small and short, so it matters even more. How to work out your figure and build it.
Read the article →What is compound interest and how does it work?
Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.
Read the article →Free Financial Calculators
Free tools in dirhams (AED), with results straight away. No sign-up, no cost.
Compound Interest Calculator
Work out how your savings or investments grow year by year, in dirhams.
Calculate →How Long to Save AED 100k?
Work out how long it takes to reach any savings goal in dirhams.
Calculate →Emergency Fund Calculator
Work out how much to set aside for unexpected costs based on your monthly spending.
Calculate →Financial Independence Calculator
How much capital do you need to live off your returns? Find your path to financial freedom.
Calculate →How Many Work Hours Does It Cost?
Turn the price of any product into hours of your work, based on your pay.
Calculate →Retirement Calculator
Project your own retirement investing — there is no expat state pension to lean on.
Calculate →Mortgage Calculator
Monthly payment plus the upfront cost of buying — down payment, DLD fee, agent and bank fees.
Calculate →Gratuity Calculator
Work out your UAE end-of-service gratuity — 21/30 days' basic pay a year, capped at two years.
Calculate →Frequently Asked Questions
Everything you need to know about our guides and calculators.
- What is Save Money To Invest and what does it offer for the UAE?
- Save Money To Invest is a free platform of financial data and calculators. The UAE section brings together personal finance guides (no income tax, the end-of-service gratuity, the AECB credit score, Islamic and conventional banks, UAE mortgages, ILOE) and financial calculators in dirhams (AED). No sign-up or account is needed.
- Why are the calculators in dirhams?
- Because the dirham is the currency here, and it is pegged to the US dollar at 3.6725. All calculators and articles use dirhams directly, with no currency conversion.
- Is there a state pension for expats in the UAE?
- No. Expatriates get an end-of-service gratuity — a one-off lump sum on leaving a job (21 days' basic pay per year for the first five years, 30 days per year after, capped at two years). There is no monthly state pension, so your retirement plan is what you build yourself. UAE nationals have the GPSSA pension. See the gratuity calculator and the retirement article.
- Is Save Money To Invest free in the UAE?
- Yes. All content — guides and calculators — is free and requires no sign-up. The site is funded by advertising.
- Can I see the full site in US English?
- Yes. Save Money To Invest also offers data from more than 10 global exchanges (NYSE, NASDAQ, LSE, Euronext, among others) and 17 financial calculators focused on the United States market. Reach them via the "🇺🇸 English (US) site" link at the top of this page.