Halal Savings Calculator

Project your wealth growth using Islamic profit-sharing (Mudarabah) rates — the halal alternative to compound interest savings accounts. No riba.

Islamic savings accounts operate on Mudarabah (profit-sharing) contracts — the bank invests your funds in halal assets and shares the profit with you. No guaranteed interest is paid. This calculator models expected growth based on the profit rate.

Initial Savings ($)

Monthly Contribution ($) Regular monthly savings added

Expected Profit Rate (% per year) Islamic banks typically offer 3–6% profit rates

Savings Period (years)

Profit Distribution

Currency

What is Mudarabah savings?

In a Mudarabah savings account, you provide the capital and the Islamic bank acts as the investment manager (Mudarib). The bank invests in Shariah-compliant assets and distributes profits according to a pre-agreed ratio. Unlike conventional savings accounts, there is no guaranteed return — but the profit-sharing is halal.

Halal savings options for Muslims

Islamic savings accounts — Mudarabah-based, offered by Islamic banks
Sukuk (Islamic bonds) — profit-generating certificates backed by real assets
Halal equity funds — Shariah-screened stocks and ETFs
Real estate — rental income (Ijarah) is generally permissible
Gold and silver — physical ownership, subject to Zakat

Halal Savings Calculator

Halal Savings Growth

What is Mudarabah savings?

Halal savings options for Muslims

See Your Savings Growth