💰 Islamic Finance Calculator
Calculate your Shariah-compliant financing
ℹ️ Islamic Finance Information
- Murabaha: Bank buys asset and sells to customer at cost + agreed profit margin
- Musharaka: Partnership where both parties contribute capital and share profit/loss
- Mudaraba: One party provides capital, other provides work; profits shared as agreed
- Ijara: Leasing with option to purchase at end of term
- All these methods are Riba-free and Shariah-compliant
Islamic Finance Calculator
The Islamic Finance Calculator helps you estimate figures for Sharia-compliant financing structures used widely in Saudi Arabia and the broader Islamic banking sector. Rather than charging interest, these arrangements rely on real asset trade, partnership, or leasing, so the way returns and payments are worked out differs from conventional loans. This tool brings the most common structures together in one place for quick comparison.
It covers the main contract types you are likely to encounter: Murabaha, a cost-plus sale where the bank buys an asset and sells it to you at an agreed markup; Musharaka, a joint partnership where profit and loss are shared by capital contribution; Mudaraba, where one party provides capital and the other expertise; and Ijara, a lease-to-own arrangement. Enter your amount and terms to see indicative results for each.
How to read the results
Use the output to compare structures and understand the total you would pay or the profit share involved, then plan your budget accordingly. The numbers are illustrative and depend on the actual profit rate and terms a bank offers. For a binding contract, always review the specific figures, schedule, and Sharia approval with a licensed Islamic financial institution before committing.