Savings Calculator
Calculate savings growth with regular contributions and compound interest.
Results
Savings and Investment in Morocco 2026
Morocco's main savings products for individuals in 2026, ranked by risk and yield. All interest income is subject to a 30% withholding tax (RAS) deducted at source by the bank.
Savings Products — Gross Rates 2026
- Savings passbook (livret d'épargne) — 3.0% to 4.5%/year (capital guaranteed)
- Plan Épargne Logement (PEL) — 3.5% to 5%/year (locked for 3–10 years)
- Treasury Bonds (Bons du Trésor) — 4% to 5.5% depending on maturity
- Money-market OPCVM funds — 3% to 4.5% (daily liquidity)
- Stock-market OPCVM funds — 5% to 8% average (variable, capital not guaranteed)
Rule of 72: at 4%/year, capital doubles in 18 years. At 6%/year, it doubles in 12 years. Start early — compound interest rewards patience significantly over a 20-year horizon.
Also useful: Interest Calculator · Mortgage Calculator · Rental Yield Calculator
📐 Savings growth with regular deposits
t = monthly rate · n = number of months
📊 Result of saving 1,000 MAD/month at 3%
| Term | Amount saved | Value with interest |
|---|---|---|
| 5 years | 60,000 MAD | ≈ 64,650 MAD |
| 10 years | 120,000 MAD | ≈ 139,740 MAD |
| 20 years | 240,000 MAD | ≈ 328,300 MAD |
💼 Savings scenarios
Final value ≈ 69,870 MAD vs 60,000 saved.
Final value ≈ 492,000 MAD vs 360,000 saved.
💡 Practical tips
- Consistency matters more than amount: small regular deposits beat large irregular ones.
- Use the power of compound interest by starting as early as possible.
- Diversify between a savings book, a term deposit and retirement plans.
⚠️ Limits and disclaimer
- The result is an estimate assuming a constant rate.
- Real rates and inflation affect the actual value.
Last updated: February 2026.
❓ Frequently asked questions
How do I calculate my monthly savings growth?
With the future-value formula for regular deposits, which grows each deposit at the rate until the end of the term.
Why is saving early better?
Because compound interest gives the money more time to grow on itself.
Are savings returns guaranteed?
Fixed-rate products are nearly guaranteed; market-linked products have variable returns.