How much to save monthly for Hajj or Umrah

Hajj/Umrah savings goal

Calculate how much to save each month to afford a Hajj or Umrah trip for you and your travelers by your target date.

Formula

monthly savings solved from the future value of an annuity, after growing your current savings, against the total package cost for all travelers

Assumptions

• Package costs vary significantly by provider, travel dates, and inclusions (flights, accommodation grade, duration) — treat the default as a rough planning estimate, not a quote.
• Return is assumed constant and compounds monthly — real savings/investment returns fluctuate.
• Excludes visa, vaccination, insurance, and spending money beyond the package price.

Frequently asked questions

How much does Hajj or Umrah actually cost?
It varies widely by tier, season, and provider. Umrah typically runs from about RM5,000 basic to RM12,000-plus premium. Hajj is a different order of cost: the Tabung Haji pilgrim contribution was roughly RM23,400 for 1447H, while private packages run around RM46,000-51,000. Get an actual quote for accurate planning.

Should I save through Tabung Haji specifically?
Tabung Haji is the standard Malaysian savings vehicle for Hajj specifically, and it declares its own annual dividend (similar in concept to EPF or SSPN) — using its actual declared rate gives a more realistic projection than a generic estimate. Note it funds Hajj rather than Umrah, so if you are saving for Umrah you would use an ordinary Shariah-compliant savings account instead.