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United Arab Emirates

UAE Dirham (AED)

23
Low
Risk
#158
of 171
Safer
than 8% of currencies
36
global avg score
$940
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 2.8% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓

Economic Indicators

Inflation Rate
1.3%
Debt to GDP
1.8%
GDP Growth
4.0%
Broad Money / GDP
114.1%

Banking & Stability

NPL Ratio
4.1%
Reserve Months
5.2
Current Account
14.5%
FX Volatility
Not available

Governance & Markets

Rule of Law
0.7
Black Market Premium
Not available
Capital Controls
5.8
Peg Fragility
29.2

Currency Structure

Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
83.0%

Savings Impact Calculator

AED
Holding cash in AED1.3% inflation
AED 940−AED 60 (6% purchasing power lost)
Your AED 1,000 buys 6% less in 5 years
What if you invested AED 1,000 instead? (5yr, in AED terms)
Hold USD Cash
AED 859
−AED 141
-3.0%/yr net in AED
S&P 500
AED 1611
+AED 611
range: AED 734–AED 3176
10% USD return + 0.0% FX · ±16% vol
Gold
AED 1469
+AED 469
range: AED 418–AED 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
AED 3052
+AED 2052
range: AED 180–AED 18.4k
25% USD return + 0.0% FX · ±54% vol

All values in AED. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between United Arab Emirates (1.3%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Data last updated: 2026-10-02

Note: World Bank does not cover this country directly. Data sourced from national statistics and IMF estimates.