Financial Health Calculator
The Financial Health check calculator will help you achieve your dreams - whether you want to prepare for your child's future, your own retirement or increase your wealth - by helping you plan your finances. The tool will give you the exact figure you need to invest to get closer to your goals.
Assess Financial Position Determine Goals
  • Step 1Personal Details
  • Step 2Net Income
  • Step 3Net Wealth
  • Step 4Summary
  • Step 1Net Income
  • Step 2Net Wealth
  • Step 3Summary
  • Step 2Choose Goals
  • Step 3Define Goals
  • Step 4Summary
  • Step 1Choose Goals
  • Step 2Define Goals
  • Step 3Summary

* indicates mandatory

Net Income
=
Total Income (AED) 0
_
Expenses (AED) 0
  • Salary
  • Bonus
  • Allowances
  • Rental Income
  • Dividend Income
  • Interest Income
  • Realised Gains/Losses on Investment

Total Income (Liquid Assets + Other Assets + Investments)

You could help us either with total amounts for each section or a detailed break-up by clicking arrow on the right.
Net Income
=
Total Income (AED) 0
_
Expenses (AED) 0
  • Mortgage Repayments
  • Auto Loan Repayments
  • Personal Loan Repayments
  • Other Loan Repayments
  • Credit Card Payments
  • Rental Expense
  • Bank Charges
  • Charity
  • Education
  • Entertainment
  • Groceries
  • Household
  • Insurance: Auto
  • Insurance: Medical
  • Insurance: Other
  • Medical
  • Utilities
  • Other

Total Expenses (Debt Servicing + Expenses)

You could help us either with total amounts for each section or a detailed break-up by clicking arrow on the right.
Net Wealth
=
Assets (AED) 0
_
Liabilities (AED) 0
  • Cash
  • Savings
  • Current Account
  • Business
  • Other
  • Vehicles
  • Real Estate
  • Receivables
  • Unit Linked Plans
  • Investment Products
  • Collectables

Total Assets (Liquid Assets + Other Assets + Investments)

You could help us either with total amounts for each section or a detailed break-up by clicking arrow on the right.
Net Wealth
=
Assets (AED) 0
_
Liabilities (AED) 0
  • Auto Loan
  • Mortgage
  • Student Loans
  • Personal Loans
  • Other Liabilities

Total Liabilities (Credit Cards + Other Liabilities)

You could help us either with total amounts for each section or a detailed break-up by clicking arrow on the right.

Financial Summary

Liquidity
  • Low
  • Good
  • High
Liquid assets of 4%-6% of the total assets will enable you to meet emergency cashflow requirements.
Savings
  • Low
  • Good
  • High
Liquid assets of 4%-6% of the total assets will enable you to meet emergency cashflow requirements.
Cash Reserves
  • Low
  • Good
  • High
Liquid assets of 4%-6% of the total assets will enable you to meet emergency cashflow requirements.
Gearing
  • Low
  • Good
  • High
Liquid assets of 4%-6% of the total assets will enable you to meet emergency cashflow requirements.
Debt Servicing
  • Low
  • Good
  • High
Liquid assets of 4%-6% of total assets will enable you to meet emergency cashflow requirements.

Financial Position Summary

Net Wealth
AED 0
Total Assets
AED 0
Total Liabilities
AED 0
Total Liquid Assets
AED 0
Monthly Net Income
AED 0

Analysis

Liquidity (liquid assets as % of total assets)
100%
Savings Ratio (net income/total income)
3%
Cash reserves in months (liquid assets/total expenses)
50%
Financial Gearing Ratio (debt/assets)
10%
Debt Servicing Ratio (debt repayment/total income)
100%
Hello, Mr. Azmat,

Start planning your investments by identifying financial goals. What do you want to save for?

Your selected goals
  • Saving for
    Children’s Wedding
  • Saving for
    Children’s Education
  • Building Wealth
  • Saving for Retirement
  • Protection Cover
  • Other Goals

We realise that this is a significant milestone in your journey as a parent. Help us know more:

  • Child 1
  • Child 2
  • Child 3
  • Child 4
  • Child 5
  • Child 6
  • Child 7
  • Child 8
  • Child 9
  • Child 10

How much do you think it will cost?

(Based on your current scenarios)

AED

Available time to reach the goal

Years

Expected return on investment

%

Inflation

%

We understand that securing your children's future is a great responsibility. Help us know more:

  • Child 1
  • Child 2
  • Child 3
  • Child 4
  • Child 5
  • Child 6
  • Child 7
  • Child 8
  • Child 9
  • Child 10

How much do you think it will cost?

(Based on your current scenarios)

AED

Available time to reach the goal

Years

Expected return on investment

%

Inflation

%

Purchasing a car, house or property? The first step towards prosperity is planning for it. Tell us more:

How much do you think it will cost?

(Based on your current scenarios)

AED

Available time to reach the goal

Years

Expected return on investment

%

Inflation

%

You deserve to put your feet up after years of work. Tell us more:

How much do you think it will cost?

(Based on your current scenarios)

AED

Available time to reach the goal

Years

Expected return on investment

%

Inflation

%

We all need a safety net. Low-risk investments are par for the course.

Existing Insurance Cover

AED

Tenure of Cover required (Years)

Years

Desired Multiple of Annual Expenses

Inflation

%

Just in case you have some other goals in mind.

How much do you think it will cost?

(Based on your current scenarios)

AED

Available time to reach the goal

Years

Expected return on investment

%

Inflation

%

Protection Cover

You require an optimum protection cover of:

AED 0

Total required monthly savings

AED 0

Wedding

Required monthly savings:

AED 0

Education

Required monthly savings:

AED 0

Building Wealth

Required monthly savings:

AED 0

Saving for Retirement

Required monthly savings:

AED 0

Other Goals

Required monthly savings:

AED 0

Required monthly savings

AED 0

Terms and Conditions

By accessing the information provided by this web site, the illustration and calculator therein, you agree to be bound by the following terms and conditions and any other terms and conditions applicable at ADCB, noting that these terms and conditions are subject to change at the sole discretion of ADCB and without any prior notice:

  • This site is for informational and illustrative purposes only and is intended to be just a guide and does not constitute an investment advice and shall under any circumstances be construed as providing any recommendation, opinion or indication by ADCB. It is in no way an offer to sell or a solicitation or recommendation to buy any investment. The figures and calculator displayed in this web site are of a general nature and for illustrative purposes, they are prepared and calculated on the basis of financial assumptions depending on a variety of factors and are not intended to provide investment advice of any form or kind, and shall not at any time be relied upon as such. Persons utilising these figures and calculator are instructed to discuss the implication of any investment with their independent professional, legal and financial advisors prior to making any financial commitment. Investment products are not bank deposits and are not guaranteed by ADCB or any of its affiliates, they are subject to investment risk, including possible loss of principle amount invested; losses can be significant. Past performance is to be treated as an indication only; it does not guarantee future performance or results and returns. Please refer to ADCB Terms and Conditions for Investment Services.
  • In no event shall ADCB be liable to any visitor, user and/or third party for any lost profits, losses or damages from any kind whatsoever arising out of the reliance on the content of this web site and the information provided and the illustration and calculator displayed therein, ADCB shall not be responsible for any decision made or action taken in reliance upon such content, information, illustration and calculator and in respect of any claim related to this web site and the information, illustration and calculator displayed and the conclusions or results derived there from.
  • It is understood that all the information provided to ADCB through this web site and the illustration and the calculator displayed therein are provided with your full consent and will be used by ADCB for the purposes of this web site and for the aim you wanted by accessing this web site; ADCB may disclose such information at its sole discretion without the need of your consent to any persons who need to know this information in connection with the terms of this web site.
  • Information presented and provided by ADCB inter alia in response to the information given by you is obtained from sources believed to be reliable but ADCB makes no warranty, express or implied ,nor assumes any legal liability for any completeness or accuracy of any information provided through this web site nor warrants the results obtained from the use of the information.
  • The materials, illustration and calculator displayed and contained in this web site as well as any software programs available on or through the web site are the sole intellectual property of ADCB and users are strictly forbidden from downloading, publishing, reproducing or any kind of disposing of the content of this web site.
  • ADCB reserves the right any time and at its sole discretion to modify the content and the use of this web site and to terminate and disable it.
  • These terms and conditions shall be governed by Abu Dhabi Laws and federal Laws of UAE.
I Agree
Investment Glossary

Debt Servicing:
The cash that you require for a particular time period to cover the repayment of interest and principal on your debt. Debt service is often calculated on a yearly basis. Examples of Debt service may include financial obligations such as a mortgage and student loans etc.

Gearing Ratio:
A financial ratio that compares your capital versus the funds you have borrowed.

Yield:
The income return on your investment.

Liquidity:
Your ability to convert an asset to cash quickly.

Receivables:
Receivables are classified as an asset applicable to all debts, unsettled transactions or other monetary obligations owed to you by debtors.

Collectables:
Objects that you hold or have acquired such as fine or visual arts and or antiques

Dividend Income:
Dividend Income refers to the income you may receive as a shareholder in a company. It may be in the form of cash, stock or property as determined by a company.

Realized Gains (Losses) on Investment:
Realized gain on investment occurs when an asset you invest in exceeds its original cost. Alternatively realized loss on investment occurs when an asset you invest in is below its original cost.

Cash Reserves:
Funds that you would want to have quick access to.

I Agree
Schedule an appointment with us

Please provide us with a few details to help us process your application.

( * Mandatory )

How much do you think it will cost?

(Based on your current scenarios)

AED

Available time to reach the goal

Years

Expected return on investment

%

Inflation

%