Hajj Savings Planner

Compute the monthly contribution needed to accumulate a Hajj cost target within your timeline. Accounts for current savings invested in a halal instrument (sukuk / equity) at an expected annual return.

Inputs

Hajj cost target

Total cost of pilgrimage in today's currency. Adjust for your country/operator.

Years to Hajj

yrs

Current savings (already set aside)

Amount already in halal savings/investments.

Expected halal annual return

(decimal)

0.06 = 6%. Realistic halal sukuk/equity returns often sit at 4–8% per year.

Result

Monthly contribution needed

$142.61

for 5 years (60 months total)

Plan summary

Hajj cost target$10,000

Years to Hajj5

Current savings$0

Assumed annual return6.00%

Total you'll contribute$8,557

Expected investment growth$1,443

Uses the future-value-of-annuity-due formula (contributions made at the start of each month). Past returns don't guarantee future results — keep your halal investment risk-appropriate for the timeline.

Same deterministic math runs as a Python package, an MCP server for AI agents, and on this page. No API keys, no network — pure stdlib.

$ pip install calcnook $ uvx calcnook-mcp

>>> from calcnook.core.islamic.hajj_savings import calculate
>>> r = calculate(10_000, 5, current_savings=0, expected_annual_return=0.06)
>>> round(r.monthly_contribution_needed, 2)
143.33