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🏦 Islamic Finance Calculator

📊 Calculate Islamic financing (Murabaha/Tawarruq) for cars, real estate, and personal loans
Required down payment (typically 10-30%)
Annual profit rate varies by bank and type
Processing and issuance fees

Islamic Finance Calculator: Murabaha and Tawarruq

This calculator estimates the monthly payment for Sharia-compliant financing based on the Murabaha and Tawarruq structures commonly offered by Islamic banks in Saudi Arabia. These contracts do not charge interest. Instead, the bank buys a commodity or asset and sells it to you at a transparent, pre-agreed profit, with the total repaid in fixed monthly installments. The result is a predictable schedule you can plan around.

Enter the financing amount, the bank profit rate, and the term in months to see your estimated monthly installment and the total amount payable. The tool suits common needs such as car financing, real estate, and personal finance, helping you compare offers and judge what fits your budget before you visit a bank.

Murabaha versus Tawarruq

In Murabaha the bank purchases the specific asset you want and resells it to you at cost plus profit. Tawarruq is typically used for cash needs: the bank buys a commodity, sells it to you on deferred payment, then sells it on your behalf so you receive cash. Both keep the return fixed rather than interest-based. Figures here are indicative and depend on the actual profit rate offered, so confirm the final terms and Sharia approval with a licensed Islamic bank.