Retire on your terms
Turn today’s income into tomorrow’s paycheck. Use our Pension Calculator to find your “retirement number,” then start a Smart Saver plan with that exact amount—so your savings stay on track without guesswork.
How it works?
1. Calculate Tell us your age, preferred retirement age, destination, lifestyle needs, and what you’ve already saved. Our Pension Calculator estimates the monthly/annual saving needed.
2. Start Saving Hit Start Saving to open the Smart Saver application. Enter your calculated contribution —edit any time before you submit.
3. Stay on track We’ll nudge you with progress updates, annual check-ins, and optional auto-increase features so your plan keeps pace with inflation and life changes.
What you get?
Goal-based investing: A Smart Saver policy aligned to your retirement horizon and target corpus.
Inflation & FX awareness: Your destination choice informs assumptions so you’re planning in future money, not today’s dirhams.
Save from USD 250 per month.
Flexibility: Change contributions, add lump sums, or pause—subject to Smart Saver plan conditions.
Optional protection: Add disability income or family income benefit for extra peace of mind.
Real-time visibility: Track funding progress and projected income at retirement.
Why HAYAH?
Licensed & regulated by the Central Bank of the UAE.
Institutional investment access through professionally managed funds and robust governance.
Transparent documentation, clear charges, and no hidden lock-ins beyond what’s stated in the Smart Saver policy.
Be the hero for you and your family.
Not sure which plan is right for you?
HAYAH can help you find a savings plan that suits you. Please complete the form below and we’ll get back to you as soon as possible.