This work uses a finite volume method to investigate three-dimensional acoustic streaming patterns produced by surface acoustic wave (SAW) propagation within microdroplets. A SAW microfluidic interaction has been modelled using a body force acting on elements of the fluid volume within the interaction area between the SAW and fluid. This enables the flow motion to be obtained by solving the laminar incompressible Navier-Stokes equations driven by an effective body force. The velocity of polystyrene particles within droplets during acoustic streaming has been measured and then used to calibrate the amplitudes of the SAW at different RF powers. The numerical prediction of streaming velocities was compared with the experimental results as a function of RF power and a good agreement was observed. This confirmed that the numerical model provides a basic understanding of the nature of 3D SAW/liquid droplet interaction, including SAW mixing and the concentration of particles suspended in water droplets.