Calculate your exact Hajj or Umrah trip cost from the USA — flights, accommodation, package, visa, food — then build a month-by-month halal savings plan and see precisely when you can make the journey. May Allah facilitate it for you. 🤲
~$26K
Standard Hajj (2 people, USA)
~$2,800
Economy Umrah (per person)
2M+
Muslims performing Hajj yearly
Choose from Umrah Economy, Standard, or Premium — or Hajj Economy, Standard, or VIP. Each pre-fills realistic 2026 cost estimates from the USA.
Set the number of travelers (1–5). Toggle 'Customize costs' to adjust any line item — flights, accommodation, package, visa, food, misc.
Input how much you've already saved and how much you can set aside each month. Add a contingency buffer for unexpected costs.
Choose where to keep your savings — non-interest checking, Wakala, Mudarabah, halal money market, or sukuk. See your exact goal date.
Approximate costs per person from major US cities. Actual prices vary by departure city, operator, and season.
Includes visa fees (~$120 Umrah / ~$300 Hajj). Excludes personal shopping, vaccinations, and travel insurance. Couple costs approximately 2× per-person rates. Add 10–15% buffer for currency fluctuations and price increases.
"And Hajj to the House is a duty that mankind owes to Allah for those who are able to find a way." Istita'ah (ability) is a condition of obligation — you are not sinful for not performing Hajj while saving toward it.
"Whoever performs Hajj for the sake of Allah and does not utter any obscene speech or do any evil deed, will return as his mother bore him." Saving carefully and performing Hajj with halal money maximizes this reward.
"Actions are by intentions." Making a sincere intention to perform Hajj and saving consistently toward it earns reward from the moment of intention — every deposit into your Hajj account is an act of worship.
Psychologically separating Hajj money from your regular savings makes it harder to spend and easier to track. A Wakala or Mudarabah account earns halal profit while protecting the goal.
Set up an automatic transfer the day your salary arrives. 'Pay yourself first' ensures savings happen before spending. Even $200/month compounds meaningfully over 5 years.
Round-trip flights to Jeddah or Madinah from the US are significantly cheaper when booked 6–12 months in advance. Avoid Ramadan and Dhul Hijjah peak pricing for Umrah.
Umrah at $2,800–$4,200/person is a spiritually powerful first visit that also helps you understand the rituals before Hajj. Many families do Umrah 1–2 years before Hajj while saving.
Currency fluctuations, last-minute price increases, and unexpected health expenses regularly catch pilgrims off-guard. Always save 10–15% above your estimated cost — this planner includes a buffer slider.
Group Hajj and Umrah packages organized through your local mosque or Islamic center are often 15–25% cheaper than individual bookings, with the added benefit of travelling with a community.
Most Islamic scholars recommend clearing interest-bearing debt before performing Hajj, as the spiritual state is strengthened by financial purity. Use our Debt Payoff Calculator to prioritize this alongside your Hajj savings.
The fifth pillar of Islam — an annual pilgrimage to Makkah obligatory once in a lifetime for every Muslim with the physical and financial ability (istita'ah). Performed in Dhul Hijjah (the 12th Islamic month).
The lesser pilgrimage to Makkah and Madinah, performable year-round. Highly recommended (Sunnah) but not obligatory. Includes Tawaf (circumambulation of the Kaaba), Sa'i (walking between Safa and Marwa), and other rites.
Financial and physical ability — the condition that makes Hajj obligatory. If you cannot afford Hajj without taking on debt or neglecting family obligations, Hajj is not yet required of you.
An Islamic bank account where you appoint the bank as your agent (wakil) to invest funds in halal assets. The bank charges a disclosed fee; halal profit is passed to you. Approximately 3.5%/yr in 2026.
The ritual circumambulation of the Kaaba in Makkah — performed seven times counterclockwise. The central ritual of both Hajj and Umrah. The Kaaba is described in the Quran as 'the first house established for mankind' (3:96).
A mandatory visa for performing Hajj in Saudi Arabia. Currently approximately $300 per person for US passport holders. Umrah visas run approximately $120. Applied for through your licensed Hajj/Umrah tour operator.
The total cost of Hajj from the United States in 2026 varies significantly by package level. Economy Hajj packages typically run $7,000–$9,000 per person (around $14,000–$18,000 for a couple), covering a basic package, shared accommodation, flights, and the mandatory Saudi visa ($300). Standard Hajj packages run $10,000–$13,000 per person ($20,000–$26,000 for two). Premium VIP Hajj packages can exceed $20,000 per person. These figures include flights from major US cities, visa fees, group package costs (covering tents in Mina, ground transport in Saudi Arabia, and some meals), and a buffer for personal expenses.
Umrah is significantly more affordable than Hajj. Economy Umrah packages from the US in 2026 typically cost $1,500–$2,500 per person for 10–14 days, covering flights, basic accommodation near the Haram, visa ($120), and group transportation. Standard packages run $2,500–$4,000 per person. Premium Umrah packages with 5-star hotels steps from the Haram and business class flights can reach $7,000–$8,000 per person. Umrah can be performed year-round, giving you more flexibility to travel in off-peak seasons (avoiding Ramadan and Dhul Hijjah peak pricing).
The majority of Islamic scholars hold that Hajj is only obligatory (fard) when a Muslim is financially able — this condition is called istita'ah. If taking a loan is required to perform Hajj, and repaying that loan would cause financial hardship, then Hajj is not yet obligatory upon that person. The correct approach is to save until you can genuinely afford Hajj from your own halal means, without burdening yourself with debt. Some scholars permit interest-free loans (Qard Hasan) for Hajj in specific circumstances, but conventional interest-bearing loans for Hajj are strongly discouraged. Make the intention, save consistently, and trust that Allah will facilitate the journey when the time is right.
For Hajj savings, you want an account that is both halal (no interest) and provides some return to keep pace with inflation. The best options in 2026: Wakala savings accounts at Islamic banks (~3.5%/yr) are ideal — your money earns halal profit while remaining accessible. Mudarabah savings accounts (~5%/yr) provide higher returns through profit-sharing. Halal money market funds (~4.1%/yr) are highly liquid and appropriate if your Hajj timeline is 2–5 years away. For very long timelines (10+ years), halal equity ETFs like SPUS may be appropriate, switching to lower-risk accounts as your Hajj date approaches. Avoid conventional high-yield savings accounts — they earn riba.
A standard US Hajj package typically includes: round-trip flights from a major US city to Jeddah or Medina, Saudi e-visa processing, group accommodation in Makkah (near Haram) and Medina, accommodation in Mina during the Days of Tashreeq (the tents), ground transportation throughout the Hajj rituals, an experienced Islamic guide, some meals, and basic Ihram preparation guidance. It generally does NOT include: personal spending, shopping, upgrades, pre-trip vaccinations (meningitis is required), or travel insurance. Premium packages add business class flights, 5-star hotels adjacent to the Haram, and smaller group sizes.
The earlier the better — but the right answer depends on your income, family obligations, and current financial position. A practical framework: first ensure you are debt-free from riba-based debts, have a 3–6 month emergency fund, and are meeting your family's financial obligations. Then begin a dedicated Hajj savings account. If you can save $500/month in a Wakala account earning 3.5%, you can reach a $17,600 Hajj budget (for 2 people, standard package) in approximately 2 years and 9 months. At $300/month, it takes approximately 4 years and 6 months. Use this planner to calculate your exact timeline.
Yes — money saved for Hajj or Umrah that exceeds the nisab threshold and has been held for a full lunar year (hawl) is subject to Zakat at 2.5%, regardless of its intended purpose. Having a designated savings goal does not exempt funds from Zakat. Scholars have noted this is actually an incentive to make the journey sooner rather than continuing to accumulate wealth subject to annual Zakat. Calculate your Zakat due using our Zakat Calculator and factor this into your annual savings plan.
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Before saving for Hajj, ensure you have 3–6 months of emergency savings in a halal account — the essential financial foundation.
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Calculate Zakat on your Hajj savings if they exceed the nisab threshold — always needed as part of your annual financial planning.
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Clear riba-based debt before Hajj — use this to build your payoff plan and become debt-free before you travel.
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See your full financial picture — assets, liabilities, and Zakat — to plan the right time for Hajj within your overall financial health.
Open calculatorCost estimates are approximate 2026 figures for US travelers and will vary by departure city, airline, operator, season, group size, and Saudi Arabia's annual quota system. Hajj quota allocations from the US are managed through licensed operators — the number of visas issued can affect availability and pricing. Halal savings account returns are illustrative approximations — actual returns vary by provider and market conditions and are not guaranteed. This tool is for planning and educational purposes only — not financial or religious advice. May Allah accept your Hajj and Umrah. Ameen.