ADCB Personal Loan Calculator – Estimate Your Loan Repayments
Planning a personal loan in the UAE? The ADCB personal loan calculator UAE from Abu Dhabi Commercial Bank (ADCB) is a handy tool for expats and UAE nationals to estimate monthly EMIs, total interest, and eligibility based on salary. In 2025, ADCB offers competitive rates starting at 3.99% p.a. (reducing balance), with loans up to AED 1,500,000 for expats and AED 4,000,000 for nationals, terms up to 48 months, and salary multiples of 20x (expats) or higher for nationals. This guide covers the ADCB personal loan calculator based on salary, for expats, eligibility calculator, EMI calculator, interest rate calculator, Islamic option, SimplyLife, and more.
The ADCB Personal Loan Calculator is a user-friendly tool offered by Abu Dhabi Commercial Bank (ADCB) to help UAE residents estimate monthly payments and total costs for personal loans. By inputting the loan amount, interest rate, and tenure (6–48 months), users can assess affordability for loans tailored to UAE nationals and expatriates. Available on ADCB’s website (www.adcb.com) or mobile app, it supports financial planning with quick, accurate results.
The calculator uses the EMI formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P is the principal, R is the monthly interest rate, and N is the term in months. For example, a AED 50,000 loan at a 6.49% reducing rate (3.5% flat) over 4 years yields an EMI of approximately AED 1,181, with total interest around AED 6,688. Rates range from 6.49–13.49% for expatriates and start at 3.33% for nationals, with a minimum loan of AED 15,000 and maximum of AED 4,000,000 (nationals) or AED 1,500,000 (expatriates).
Benefits include rapid EMI calculations, transparency in principal and interest breakdowns, and comparison of loan options. Features like Touch Points rewards (200–300 points per AED 1,000) enhance value. A 0.75–1.05% processing fee applies, and salary transfer to an ADCB account is mandatory. For accuracy, verify rates with ADCB, as they vary by customer segment (e.g., Excellency) and credit score. Include fees and ensure a minimum salary of AED 5,000.
How Does the ADCB Personal Loan Calculator Work?
The ADCB bank personal loan calculator or online tool computes EMIs using your loan amount, term, interest rate, and processing fees (1.05% of principal). It factors in reducing balance rates and eligibility like minimum salary (AED 5,000) and age (21-60 for expats).
Steps:
- Input loan amount (AED 15,000-AED 1,500,000 expats).
- Select term (6-48 months) and rate (3.99%-7.99% p.a.).
- Get EMI, total repayment, and eligibility preview.
For ADCB personal loan eligibility calculator, it checks salary multiples (up to 20x), credit score, and employer—expats need salary transfer for best rates.
Pro tip: For a ADCB personal loan calculator UAE for expats, enable salary assignment to waive fees and get up to 0.5% rate reduction.
ADCB Personal Loan Rates and Fees in 2025
ADCB’s ADCB interest rate for personal loan calculator uses reducing rates, with premiums for non-transfer. Islamic finance follows Sharia with profit rates ~4-8%. Also Check :HSBC Personal Loan Calculator
| Category |
Interest/Profit Rate (p.a.) |
Max Amount (AED) |
Term (Months) |
Fees |
| Expats (Salary Transfer) |
3.99%-5.99% |
1,500,000 (20x salary) |
Up to 48 |
1.05% processing; 1% early settlement max |
| Expats (No Transfer) |
5.99%-7.99% |
Up to 1,000,000 |
Up to 36 |
+0.5% higher |
| UAE Nationals |
3.49%-4.99% |
4,000,000 (25x salary) |
Up to 48 |
Reduced fees |
| Islamic (Expats) |
4.50%-6.50% profit |
1,000,000 |
Up to 48 |
No interest; Takaful ~1% |
Rates adapt per profile; use the ADCB personal loan interest rate calculator for personalized quotes. For ADCB SimplyLife personal loan calculator, add life coverage (0.5-1% of principal).
ADCB Personal Loan EMI Calculator: Examples
The ADCB personal loan EMI calculator uses: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P=principal, R=monthly rate, N=months.
Examples (expats, salary transfer, 48 months, 4.99% rate):
| Loan Amount (AED) |
Monthly EMI (AED) |
Total Repayment (AED) |
Total Interest (AED) |
Notes |
| 50,000 |
1,170 |
56,160 |
6,160 |
For AED 5,000 salary (10x) |
| 100,000 |
2,340 |
112,320 |
12,320 |
Mid-range expat |
| 200,000 |
4,680 |
224,640 |
24,640 |
High salary (AED 10,000+) |
| 1,000,000 |
23,400 |
1,123,200 |
123,200 |
Max for top earners |
For ADCB Islamic personal loan calculator, EMIs are similar but profit-based—no compounding.
ADCB Personal Loan Eligibility: Salary-Based Calculator
The ADCB personal loan eligibility calculator assesses via salary multiple: Loan = Salary × Multiplier (up to 20x expats, 25x nationals).
| Salary (AED/month) |
Max Loan (AED, Expats) |
Requirements |
For Nationals |
| 5,000-10,000 |
100,000-200,000 |
Emirates ID, salary certificate, 6-month bank statements |
Up to 250,000 |
| 10,000-20,000 |
200,000-400,000 |
Salary transfer, credit score >580 |
Up to 500,000 |
| 20,000+ |
Up to 1,500,000 |
Employer letter, no defaults |
Up to 4,000,000 |
For a AED 6,000 salary: ~AED 120,000 max (20x). Age: 21-60 at maturity; employed 6+ months.
What’s the ADCB Personal Loan Calculator?
The ADCB Personal Loan Calculator is a digital tool that figures out your monthly payments (called Equated Monthly Installments or EMIs), total interest, and overall loan cost. It’s designed for ADCB’s personal loan products, which offer:
- Loan Amounts: Up to AED 4 million for UAE nationals, AED 1.5 million for expats, with a minimum of AED 15,000.
- Repayment Period: 6 to 48 months (4 years).
- Interest Rates: Starting at 2.63% flat (5.25–13.49% reducing), depending on your salary, credit score, and whether you transfer your salary to ADCB.
You input the loan amount, interest rate, and repayment period, and the calculator shows you what you’ll pay each month. It’s perfect for testing different scenarios to find a loan that fits your budget, especially in a pricey market like the UAE where personal loans are common for life’s big moments.
Sample Calculation
For a AED 100,000 loan over 4 years at a 3.5% flat rate (6.5% reducing), with salary transfer:
- Loan Amount: AED 100,000
- Interest: 100,000 × 0.035 × 4 = AED 14,000
- Total Repayment: 100,000 + 14,000 = AED 114,000
- Monthly EMI: 114,000 ÷ (4 × 12) = AED 2,375
- Processing Fee: 1% × 100,000 = AED 1,000
- Total Cost: 114,000 + 1,000 = AED 115,000
- Touch Points: 100,000 ÷ 1,000 × 200 = 20,000 points (redeemable for rewards).
The calculator shows these figures instantly, but actual rates may vary based on your profile.
Our ADCB Personal Loan Calculator is a free, user-friendly tool designed to help individuals in the UAE estimate monthly repayments and interest costs for an Abu Dhabi Commercial Bank (ADCB) personal loan. Whether you’re a UAE national or expatriate planning a major purchase, debt consolidation, or personal expenses, this calculator provides accurate estimates based on ADCB’s loan terms as of 2025.
The ADCB Personal Loan Calculator is a game-changer for UAE residents planning to borrow for life’s big needs, from weddings to debt consolidation. It gives you a clear view of monthly payments, interest, and total costs, helping you stay within the UAE’s 50% debt rule.
FAQs
How Much Loan Can I Get on a 6000 AED Salary?
For a AED 6,000 salary, expats can get up to AED 120,000 (20x multiple) from ADCB, with terms up to 48 months at ~4.99% rate.
Which Bank Has the Lowest Personal Loan Interest Rate in the UAE?
Emirates NBD offers the lowest at 2.81% p.a. for switchers in 2025, followed by ADCB at 3.99%—compare based on your profile.
What Is the Maximum Loan Amount from ADCB?
Expats: Up to AED 1,500,000; UAE Nationals: AED 4,000,000, subject to salary, credit, and Central Bank rules.
How Is the Personal Loan Calculated?
EMI = [Principal × Monthly Rate × (1 + Rate)^Tenor] / [(1 + Rate)^Tenor – 1]; ADCB tool factors reducing rates and fees.
What Is 7% Interest on 1 Lakh?
On AED 100,000 (1 lakh) at 7% p.a. over 12 months, total interest ~AED 3,500; use calculator for full EMI (~AED 8,792/month).
How to Calculate Personal Loan Monthly Payment?
Use EMI formula or ADCB calculator: Input amount, rate (3.99-7.99%), term—e.g., AED 50,000 at 5% over 36 months = AED 1,510/month.
What Is the Monthly EMI for a 5 Lakh Personal Loan?
For AED 500,000 at 4.99% over 48 months: ~AED 11,700/month; varies by eligibility and transfer.
How Much Per Month for a 20k Loan?
For AED 20,000 at 4.99% over 24 months: ~AED 907/month; shorter terms raise EMI but cut interest.
