ADCB Personal Loan Calculator

ADCB Personal Loan Calculator – Estimate Your Loan Repayments

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.

The ADCB Personal Loan Calculator is a free, user-friendly online tool offered by Abu Dhabi Commercial Bank (ADCB), one of the UAE’s leading banks since 1985. It helps UAE residents—nationals and expats alike—estimate monthly payments for personal loans, making it easier to plan for big expenses like home renovations, education, or debt consolidation.

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.