Hajj Costs 2027: Official Fees, Breakdown, and Final Payment Details

The cost of performing Hajj in Indonesia may change each year. The government and the Indonesian House of Representatives (DPR RI) determine the annual Hajj Pilgrimage Organizing Cost (BPIH) by considering operational expenses and the services required to support pilgrims throughout their journey to the Holy Land.

For the 1448 H/2027 Hajj season, the average BPIH has been set at IDR 98.47 million per pilgrim. Although the overall cost has increased compared to the previous year, the average remaining payment required from pilgrims has decreased by approximately IDR 3.38 million.

So, how much does Hajj cost in 2027, how is the final payment calculated, and what expenses are included? Here is a complete breakdown to help prospective pilgrims prepare financially.

How Much Does Hajj Cost in 2027?

Following an agreement between the Indonesian government and the DPR RI on October 7, 2026, the average Hajj Pilgrimage Organizing Cost (BPIH) for 2027 was set at IDR 98,466,351.35 per pilgrim.

However, this figure represents the total cost of organizing the pilgrimage, not the amount each pilgrim must pay out of pocket.

According to the Hajj Financial Management Agency (BPKH), the total cost is funded through two main sources:

Pilgrim-Paid Hajj Cost (Bipih): 55.50% of the total cost, averaging IDR 54,648,825 per pilgrim. This portion is the pilgrim's financial responsibility.
Returns on Hajj Fund Investments (Nilai Manfaat): 44.50% of the total cost, averaging IDR 43,817,526.35 per pilgrim. This portion is funded through returns generated from the management of Hajj funds.

In simple terms, BPIH refers to the overall cost of organizing the Hajj pilgrimage, while Bipih is the portion that pilgrims are required to pay.

This funding structure is designed to keep Hajj expenses more affordable while supporting the long-term sustainability of Hajj fund management.

Hajj Costs 2027: Final Payment Breakdown

Although the average Bipih for 2027 is IDR 54,648,825, pilgrims who have already paid their initial Hajj deposit do not need to pay the full amount again.

Several deductions are applied to determine the remaining balance.

The following table shows the average Hajj payment calculation for 2027:

Cost Component	Amount (IDR)
Average Bipih for 2027	54,648,825
Initial Hajj deposit	25,000,000
Virtual Account Investment Returns	3,400,000
Government subsidy	3,200,000
Average remaining Hajj payment	23,048,825

Based on this calculation, the average remaining Hajj payment for 2027 is IDR 23,048,825, approximately IDR 3.38 million lower than the previous year.

According to the Indonesian House of Representatives (DPR RI), this adjustment is part of an effort to make Hajj more financially accessible while maintaining the sustainability of Hajj funds.

It is important to note that these figures represent national averages. The actual amount each pilgrim must pay may vary depending on their departure embarkation point, virtual account balance, and applicable regulations.

What Is Included in the 2027 Hajj Cost?

The total Hajj cost covers essential services and operational expenses, from departure preparations in Indonesia to accommodation and transportation in Saudi Arabia.

Based on the official breakdown published by BPKH, the 2027 Hajj expenses are divided into three main categories.

Airfare
The average airfare for Hajj pilgrims in 2027 is IDR 38,505,046 per person. This covers air transportation for the pilgrimage, with actual costs varying depending on the pilgrim's departure embarkation point.
Operational Expenses in Saudi Arabia

The average operational cost in Saudi Arabia is IDR 54,317,360 per pilgrim. This includes accommodation, meals, local transportation, and essential pilgrim services throughout the Hajj journey, including arrangements in Arafat, Muzdalifah, and Mina.
Operational Expenses in Indonesia

The average domestic operational cost is IDR 5,643,945 per pilgrim. This covers departure and arrival services at Hajj embarkation and debarkation facilities, travel documents, Hajj supplies, and other administrative and operational requirements

How to Start Saving for Hajj

Understanding the estimated cost of Hajj is an important first step toward planning your pilgrimage. Whether you are preparing to register or waiting for your scheduled departure, having a clear savings plan can help you manage your finances more effectively.

Here are four practical ways to start preparing your Hajj funds.

Set a Hajj Savings Goal
Start by determining how much you need to save. For prospective pilgrims who have not yet registered, the initial Hajj deposit of IDR 25 million can serve as a starting target to obtain a Hajj registration queue number, subject to applicable requirements.
Save Consistently
Set aside a manageable amount each month based on your financial situation. Consistent contributions can help you gradually build your Hajj savings without significantly affecting your daily expenses.
Keep Your Hajj Savings Separate
Consider using a dedicated savings account for your Hajj funds. Separating these savings from everyday spending can make it easier to track your progress and stay committed to your financial goals.
Stay Updated on Official Hajj Payment Information
If you are scheduled to depart for Hajj in 2027, regularly check official announcements regarding payment deadlines, requirements, and final payment amounts.For the latest information, visit the official websites of the Indonesian Ministry of Hajj and Umrah and the Hajj Financial Management Agency (BPKH).

Prepare for Your Hajj Journey with Bank Muamalat

Performing Hajj is a meaningful spiritual journey that also requires thoughtful financial preparation. By understanding the estimated costs and setting realistic savings goals, you can take gradual steps toward fulfilling your pilgrimage plans.

To help you prepare, Bank Muamalat offers Sharia-compliant savings options, including iB Hijrah Hajj Saving Account and Rekening Tabungan Jemaah Haji.

Explore these savings options and choose the one that best suits your financial needs as you prepare for your journey to the Holy Land.

Hajj Costs 2027: Official Fees, Breakdown, and Final Payment Details

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