diff --git a/backend/src/app.module.ts b/backend/src/app.module.ts
index 219f2188..ff9f5477 100644
--- a/backend/src/app.module.ts
+++ b/backend/src/app.module.ts
@@ -19,6 +19,7 @@ import { WebhooksModule } from './modules/webhooks/webhooks.module';
 import { ClaimsModule } from './modules/claims/claims.module';
 import { DisputesModule } from './modules/disputes/disputes.module';
 import { AdminAnalyticsModule } from './modules/admin-analytics/admin-analytics.module';
+import { SavingsModule } from './modules/savings/savings.module';
 
 @Module({
   imports: [
@@ -51,6 +52,7 @@ import { AdminAnalyticsModule } from './modules/admin-analytics/admin-analytics.
     ClaimsModule,
     DisputesModule,
     AdminAnalyticsModule,
+    SavingsModule,
     ThrottlerModule.forRoot([
       {
         ttl: 60000,
diff --git a/backend/src/auth/auth.service.ts b/backend/src/auth/auth.service.ts
index 66cfdd02..abd1dd6c 100644
--- a/backend/src/auth/auth.service.ts
+++ b/backend/src/auth/auth.service.ts
@@ -36,7 +36,7 @@ export class AuthService {
 
     return {
       user,
-      accessToken: this.generateToken(user.id, user.email),
+      accessToken: this.generateToken(user.id, user.email, user.role),
     };
   }
 
@@ -47,7 +47,7 @@ export class AuthService {
     }
 
     return {
-      accessToken: this.generateToken(user.id, user.email),
+      accessToken: this.generateToken(user.id, user.email, user.role),
     };
   }
 
@@ -60,8 +60,8 @@ export class AuthService {
     return null;
   }
 
-  private generateToken(userId: string, email: string) {
-    return this.jwtService.sign({ sub: userId, email });
+  private generateToken(userId: string, email: string, role = 'USER') {
+    return this.jwtService.sign({ sub: userId, email, role });
   }
 
   async generateNonce(publicKey: string): Promise<{ nonce: string }> {
@@ -118,7 +118,7 @@ export class AuthService {
     }
 
     return {
-      accessToken: this.generateToken(user.id, user.email),
+      accessToken: this.generateToken(user.id, user.email, user.role),
     };
   }
 
diff --git a/backend/src/auth/strategies/jwt.strategy.ts b/backend/src/auth/strategies/jwt.strategy.ts
index ddccfec9..5ec26e10 100644
--- a/backend/src/auth/strategies/jwt.strategy.ts
+++ b/backend/src/auth/strategies/jwt.strategy.ts
@@ -18,7 +18,11 @@ export class JwtStrategy extends PassportStrategy(Strategy) {
     });
   }
 
-  async validate(payload: { sub: string; email: string }) {
-    return { id: payload.sub, email: payload.email };
+  async validate(payload: { sub: string; email: string; role?: string }) {
+    return {
+      id: payload.sub,
+      email: payload.email,
+      role: payload.role ?? 'USER',
+    };
   }
 }
diff --git a/backend/src/modules/admin/admin-savings.controller.ts b/backend/src/modules/admin/admin-savings.controller.ts
new file mode 100644
index 00000000..9e56fbe3
--- /dev/null
+++ b/backend/src/modules/admin/admin-savings.controller.ts
@@ -0,0 +1,58 @@
+import {
+  Controller,
+  Post,
+  Patch,
+  Body,
+  Param,
+  HttpCode,
+  HttpStatus,
+  UseGuards,
+} from '@nestjs/common';
+import {
+  ApiTags,
+  ApiOperation,
+  ApiResponse,
+  ApiBody,
+  ApiBearerAuth,
+} from '@nestjs/swagger';
+import { SavingsService } from '../savings/savings.service';
+import { SavingsProduct } from '../savings/entities/savings-product.entity';
+import { CreateProductDto } from '../savings/dto/create-product.dto';
+import { UpdateProductDto } from '../savings/dto/update-product.dto';
+import { JwtAuthGuard } from '../../auth/guards/jwt-auth.guard';
+import { RolesGuard } from '../../common/guards/roles.guard';
+import { Roles } from '../../common/decorators/roles.decorator';
+import { Role } from '../../common/enums/role.enum';
+
+@ApiTags('admin/savings')
+@Controller('admin/savings')
+@UseGuards(JwtAuthGuard, RolesGuard)
+@Roles(Role.ADMIN)
+@ApiBearerAuth()
+export class AdminSavingsController {
+  constructor(private readonly savingsService: SavingsService) {}
+
+  @Post('products')
+  @HttpCode(HttpStatus.CREATED)
+  @ApiOperation({ summary: 'Create a savings product (admin)' })
+  @ApiBody({ type: CreateProductDto })
+  @ApiResponse({ status: 201, description: 'Product created', type: SavingsProduct })
+  @ApiResponse({ status: 400, description: 'Invalid product data' })
+  @ApiResponse({ status: 403, description: 'Forbidden - Admin required' })
+  async createProduct(@Body() dto: CreateProductDto): Promise<SavingsProduct> {
+    return await this.savingsService.createProduct(dto);
+  }
+
+  @Patch('products/:id')
+  @ApiOperation({ summary: 'Update a savings product (admin)' })
+  @ApiBody({ type: UpdateProductDto })
+  @ApiResponse({ status: 200, description: 'Product updated', type: SavingsProduct })
+  @ApiResponse({ status: 404, description: 'Product not found' })
+  @ApiResponse({ status: 403, description: 'Forbidden - Admin required' })
+  async updateProduct(
+    @Param('id') id: string,
+    @Body() dto: UpdateProductDto,
+  ): Promise<SavingsProduct> {
+    return await this.savingsService.updateProduct(id, dto);
+  }
+}
diff --git a/backend/src/modules/admin/admin.module.ts b/backend/src/modules/admin/admin.module.ts
index 2470d63a..c369f2a4 100644
--- a/backend/src/modules/admin/admin.module.ts
+++ b/backend/src/modules/admin/admin.module.ts
@@ -1,9 +1,11 @@
 import { Module } from '@nestjs/common';
 import { UserModule } from '../user/user.module';
+import { SavingsModule } from '../savings/savings.module';
 import { AdminController } from './admin.controller';
+import { AdminSavingsController } from './admin-savings.controller';
 
 @Module({
-  imports: [UserModule],
-  controllers: [AdminController],
+  imports: [UserModule, SavingsModule],
+  controllers: [AdminController, AdminSavingsController],
 })
 export class AdminModule {}
diff --git a/backend/src/modules/savings/dto/create-product.dto.ts b/backend/src/modules/savings/dto/create-product.dto.ts
new file mode 100644
index 00000000..95c1388a
--- /dev/null
+++ b/backend/src/modules/savings/dto/create-product.dto.ts
@@ -0,0 +1,60 @@
+import {
+  IsString,
+  IsNotEmpty,
+  IsEnum,
+  IsNumber,
+  IsOptional,
+  Min,
+  Max,
+  MinLength,
+  MaxLength,
+} from 'class-validator';
+import { ApiProperty, ApiPropertyOptional } from '@nestjs/swagger';
+import { SavingsProductType } from '../entities/savings-product.entity';
+
+export class CreateProductDto {
+  @ApiProperty({ example: 'Fixed 12-Month Plan', description: 'Product name' })
+  @IsString()
+  @IsNotEmpty()
+  @MinLength(2)
+  @MaxLength(200)
+  name: string;
+
+  @ApiProperty({ enum: SavingsProductType, description: 'Product type' })
+  @IsEnum(SavingsProductType)
+  type: SavingsProductType;
+
+  @ApiPropertyOptional({ description: 'Product description' })
+  @IsOptional()
+  @IsString()
+  @MaxLength(2000)
+  description?: string;
+
+  @ApiProperty({ example: 8.5, description: 'Annual interest rate (%)' })
+  @IsNumber()
+  @Min(0)
+  @Max(100)
+  interestRate: number;
+
+  @ApiProperty({ example: 1000, description: 'Minimum subscription amount' })
+  @IsNumber()
+  @Min(0)
+  minAmount: number;
+
+  @ApiProperty({ example: 1000000, description: 'Maximum subscription amount' })
+  @IsNumber()
+  @Min(0)
+  maxAmount: number;
+
+  @ApiPropertyOptional({ example: 12, description: 'Tenure in months (e.g. for fixed)' })
+  @IsOptional()
+  @IsNumber()
+  @Min(1)
+  @Max(360)
+  tenureMonths?: number;
+
+  @ApiPropertyOptional({ default: true })
+  @IsOptional()
+  isActive?: boolean;
+}
+
diff --git a/backend/src/modules/savings/dto/subscribe.dto.ts b/backend/src/modules/savings/dto/subscribe.dto.ts
new file mode 100644
index 00000000..c108d2d3
--- /dev/null
+++ b/backend/src/modules/savings/dto/subscribe.dto.ts
@@ -0,0 +1,13 @@
+import { IsUUID, IsNumber, Min } from 'class-validator';
+import { ApiProperty } from '@nestjs/swagger';
+
+export class SubscribeDto {
+  @ApiProperty({ description: 'Savings product ID to subscribe to' })
+  @IsUUID()
+  productId: string;
+
+  @ApiProperty({ example: 5000, description: 'Amount to subscribe' })
+  @IsNumber()
+  @Min(0.01)
+  amount: number;
+}
diff --git a/backend/src/modules/savings/dto/update-product.dto.ts b/backend/src/modules/savings/dto/update-product.dto.ts
new file mode 100644
index 00000000..87b9d7f3
--- /dev/null
+++ b/backend/src/modules/savings/dto/update-product.dto.ts
@@ -0,0 +1,4 @@
+import { PartialType } from '@nestjs/swagger';
+import { CreateProductDto } from './create-product.dto';
+
+export class UpdateProductDto extends PartialType(CreateProductDto) {}
diff --git a/backend/src/modules/savings/entities/savings-product.entity.ts b/backend/src/modules/savings/entities/savings-product.entity.ts
new file mode 100644
index 00000000..94ccaeab
--- /dev/null
+++ b/backend/src/modules/savings/entities/savings-product.entity.ts
@@ -0,0 +1,53 @@
+import {
+  Entity,
+  Column,
+  PrimaryGeneratedColumn,
+  CreateDateColumn,
+  UpdateDateColumn,
+  OneToMany,
+} from 'typeorm';
+import { UserSubscription } from './user-subscription.entity';
+
+export enum SavingsProductType {
+  FIXED = 'FIXED',
+  FLEXIBLE = 'FLEXIBLE',
+}
+
+@Entity('savings_products')
+export class SavingsProduct {
+  @PrimaryGeneratedColumn('uuid')
+  id: string;
+
+  @Column()
+  name: string;
+
+  @Column({ type: 'enum', enum: SavingsProductType })
+  type: SavingsProductType;
+
+  @Column({ type: 'text', nullable: true })
+  description: string | null;
+
+  @Column('decimal', { precision: 5, scale: 2, default: 0 })
+  interestRate: number;
+
+  @Column('decimal', { precision: 14, scale: 2 })
+  minAmount: number;
+
+  @Column('decimal', { precision: 14, scale: 2 })
+  maxAmount: number;
+
+  @Column('int', { nullable: true })
+  tenureMonths: number | null;
+
+  @Column({ default: true })
+  isActive: boolean;
+
+  @CreateDateColumn()
+  createdAt: Date;
+
+  @UpdateDateColumn()
+  updatedAt: Date;
+
+  @OneToMany(() => UserSubscription, (sub) => sub.product)
+  subscriptions: UserSubscription[];
+}
diff --git a/backend/src/modules/savings/entities/user-subscription.entity.ts b/backend/src/modules/savings/entities/user-subscription.entity.ts
new file mode 100644
index 00000000..373497e0
--- /dev/null
+++ b/backend/src/modules/savings/entities/user-subscription.entity.ts
@@ -0,0 +1,50 @@
+import {
+  Entity,
+  Column,
+  PrimaryGeneratedColumn,
+  CreateDateColumn,
+  UpdateDateColumn,
+  ManyToOne,
+  JoinColumn,
+} from 'typeorm';
+import { SavingsProduct } from './savings-product.entity';
+
+export enum SubscriptionStatus {
+  ACTIVE = 'ACTIVE',
+  MATURED = 'MATURED',
+  CANCELLED = 'CANCELLED',
+}
+
+@Entity('user_subscriptions')
+export class UserSubscription {
+  @PrimaryGeneratedColumn('uuid')
+  id: string;
+
+  @Column('uuid')
+  userId: string;
+
+  @Column('uuid')
+  productId: string;
+
+  @Column('decimal', { precision: 14, scale: 2 })
+  amount: number;
+
+  @Column({ type: 'enum', enum: SubscriptionStatus, default: SubscriptionStatus.ACTIVE })
+  status: SubscriptionStatus;
+
+  @Column({ type: 'date' })
+  startDate: Date;
+
+  @Column({ type: 'date', nullable: true })
+  endDate: Date | null;
+
+  @CreateDateColumn()
+  createdAt: Date;
+
+  @UpdateDateColumn()
+  updatedAt: Date;
+
+  @ManyToOne(() => SavingsProduct, (product) => product.subscriptions, { eager: true })
+  @JoinColumn({ name: 'productId' })
+  product: SavingsProduct;
+}
diff --git a/backend/src/modules/savings/savings.controller.ts b/backend/src/modules/savings/savings.controller.ts
new file mode 100644
index 00000000..108c8e1b
--- /dev/null
+++ b/backend/src/modules/savings/savings.controller.ts
@@ -0,0 +1,63 @@
+import {
+  Controller,
+  Get,
+  Post,
+  Body,
+  HttpCode,
+  HttpStatus,
+  UseGuards,
+} from '@nestjs/common';
+import {
+  ApiTags,
+  ApiOperation,
+  ApiResponse,
+  ApiBody,
+  ApiBearerAuth,
+} from '@nestjs/swagger';
+import { SavingsService } from './savings.service';
+import { SavingsProduct } from './entities/savings-product.entity';
+import { UserSubscription } from './entities/user-subscription.entity';
+import { SubscribeDto } from './dto/subscribe.dto';
+import { JwtAuthGuard } from '../../auth/guards/jwt-auth.guard';
+import { CurrentUser } from '../../common/decorators/current-user.decorator';
+
+@ApiTags('savings')
+@Controller('savings')
+export class SavingsController {
+  constructor(private readonly savingsService: SavingsService) {}
+
+  @Get('products')
+  @ApiOperation({ summary: 'List all savings products' })
+  @ApiResponse({ status: 200, description: 'List of savings products' })
+  async getProducts(): Promise<SavingsProduct[]> {
+    return await this.savingsService.findAllProducts(true);
+  }
+
+  @Post('subscribe')
+  @UseGuards(JwtAuthGuard)
+  @HttpCode(HttpStatus.CREATED)
+  @ApiBearerAuth()
+  @ApiOperation({ summary: 'Subscribe to a savings product' })
+  @ApiBody({ type: SubscribeDto })
+  @ApiResponse({ status: 201, description: 'Subscription created', type: UserSubscription })
+  @ApiResponse({ status: 400, description: 'Invalid product or amount' })
+  @ApiResponse({ status: 401, description: 'Unauthorized' })
+  async subscribe(
+    @Body() dto: SubscribeDto,
+    @CurrentUser() user: { id: string; email: string },
+  ): Promise<UserSubscription> {
+    return await this.savingsService.subscribe(user.id, dto.productId, dto.amount);
+  }
+
+  @Get('my-subscriptions')
+  @UseGuards(JwtAuthGuard)
+  @ApiBearerAuth()
+  @ApiOperation({ summary: 'Get current user subscriptions' })
+  @ApiResponse({ status: 200, description: 'List of user subscriptions' })
+  @ApiResponse({ status: 401, description: 'Unauthorized' })
+  async getMySubscriptions(
+    @CurrentUser() user: { id: string; email: string },
+  ): Promise<UserSubscription[]> {
+    return await this.savingsService.findMySubscriptions(user.id);
+  }
+}
diff --git a/backend/src/modules/savings/savings.module.ts b/backend/src/modules/savings/savings.module.ts
new file mode 100644
index 00000000..ccda69b2
--- /dev/null
+++ b/backend/src/modules/savings/savings.module.ts
@@ -0,0 +1,16 @@
+import { Module } from '@nestjs/common';
+import { TypeOrmModule } from '@nestjs/typeorm';
+import { SavingsController } from './savings.controller';
+import { SavingsService } from './savings.service';
+import { SavingsProduct } from './entities/savings-product.entity';
+import { UserSubscription } from './entities/user-subscription.entity';
+
+@Module({
+  imports: [
+    TypeOrmModule.forFeature([SavingsProduct, UserSubscription]),
+  ],
+  controllers: [SavingsController],
+  providers: [SavingsService],
+  exports: [SavingsService],
+})
+export class SavingsModule {}
diff --git a/backend/src/modules/savings/savings.service.ts b/backend/src/modules/savings/savings.service.ts
new file mode 100644
index 00000000..ff6e7187
--- /dev/null
+++ b/backend/src/modules/savings/savings.service.ts
@@ -0,0 +1,107 @@
+import {
+  Injectable,
+  NotFoundException,
+  BadRequestException,
+  Logger,
+} from '@nestjs/common';
+import { InjectRepository } from '@nestjs/typeorm';
+import { Repository } from 'typeorm';
+import { SavingsProduct } from './entities/savings-product.entity';
+import {
+  UserSubscription,
+  SubscriptionStatus,
+} from './entities/user-subscription.entity';
+import { CreateProductDto } from './dto/create-product.dto';
+import { UpdateProductDto } from './dto/update-product.dto';
+
+@Injectable()
+export class SavingsService {
+  private readonly logger = new Logger(SavingsService.name);
+
+  constructor(
+    @InjectRepository(SavingsProduct)
+    private readonly productRepository: Repository<SavingsProduct>,
+    @InjectRepository(UserSubscription)
+    private readonly subscriptionRepository: Repository<UserSubscription>,
+  ) {}
+
+  async createProduct(dto: CreateProductDto): Promise<SavingsProduct> {
+    if (dto.minAmount > dto.maxAmount) {
+      throw new BadRequestException('minAmount must be less than or equal to maxAmount');
+    }
+    const product = this.productRepository.create({
+      ...dto,
+      isActive: dto.isActive ?? true,
+    });
+    return await this.productRepository.save(product);
+  }
+
+  async updateProduct(
+    id: string,
+    dto: UpdateProductDto,
+  ): Promise<SavingsProduct> {
+    const product = await this.productRepository.findOneBy({ id });
+    if (!product) {
+      throw new NotFoundException(`Savings product ${id} not found`);
+    }
+    if (dto.minAmount != null && dto.maxAmount != null && dto.minAmount > dto.maxAmount) {
+      throw new BadRequestException('minAmount must be less than or equal to maxAmount');
+    }
+    Object.assign(product, dto);
+    return await this.productRepository.save(product);
+  }
+
+  async findAllProducts(activeOnly = false): Promise<SavingsProduct[]> {
+    return await this.productRepository.find({
+      where: activeOnly ? { isActive: true } : undefined,
+      order: { createdAt: 'DESC' },
+    });
+  }
+
+  async findOneProduct(id: string): Promise<SavingsProduct> {
+    const product = await this.productRepository.findOneBy({ id });
+    if (!product) {
+      throw new NotFoundException(`Savings product ${id} not found`);
+    }
+    return product;
+  }
+
+  async subscribe(
+    userId: string,
+    productId: string,
+    amount: number,
+  ): Promise<UserSubscription> {
+    const product = await this.findOneProduct(productId);
+    if (!product.isActive) {
+      throw new BadRequestException('This savings product is not available for subscription');
+    }
+    if (amount < Number(product.minAmount) || amount > Number(product.maxAmount)) {
+      throw new BadRequestException(
+        `Amount must be between ${product.minAmount} and ${product.maxAmount}`,
+      );
+    }
+
+    const subscription = this.subscriptionRepository.create({
+      userId,
+      productId: product.id,
+      amount,
+      status: SubscriptionStatus.ACTIVE,
+      startDate: new Date(),
+      endDate: product.tenureMonths
+        ? (() => {
+            const d = new Date();
+            d.setMonth(d.getMonth() + product.tenureMonths!);
+            return d;
+          })()
+        : null,
+    });
+    return await this.subscriptionRepository.save(subscription);
+  }
+
+  async findMySubscriptions(userId: string): Promise<UserSubscription[]> {
+    return await this.subscriptionRepository.find({
+      where: { userId },
+      order: { createdAt: 'DESC' },
+    });
+  }
+}
diff --git a/backend/src/modules/user/entities/user.entity.ts b/backend/src/modules/user/entities/user.entity.ts
index ddbf0221..788fe7c1 100644
--- a/backend/src/modules/user/entities/user.entity.ts
+++ b/backend/src/modules/user/entities/user.entity.ts
@@ -29,6 +29,9 @@ export class User {
   @Column({ nullable: true })
   avatarUrl: string;
 
+  @Column({ type: 'varchar', default: 'USER' })
+  role: 'USER' | 'ADMIN';
+
   @Column({ type: 'varchar', default: 'NOT_SUBMITTED' })
   kycStatus: 'NOT_SUBMITTED' | 'PENDING' | 'APPROVED' | 'REJECTED';