How to Start Saving for Hajj or Umrah from Zero

Going on Hajj or Umrah is no longer a dream reserved only for those with financial security. With the right planning and a consistent saving habit, you can start preparing for this spiritual journey. Even from zero.

Today, there are smarter and more sharia-compliant ways to save that make the process easier and more intentional. This article will walk you through practical steps to begin your journey and highlight financial solutions that help you plan with peace of mind.

Why You Should Start Saving Now

The cost of Hajj and Umrah continues to rise each year. A regular Hajj package can cost around Rp60.000.000, while Umrah typically ranges from Rp25.000.000 to Rp35.000.000, depending on the travel package and departure season.

Starting early offers several advantages:

You can save gradually without heavy financial pressure
You're better prepared for future price increases
You can use the waiting period for Hajj to spiritually prepare yourself

Sharia-Compliant Saving Strategies from Zero

Here are simple, actionable steps to begin your savings journey for Hajj or Umrah:

1. Set Your Goal and Cost Estimate

Decide whether you're aiming for Umrah within the next 2–3 years or planning to register for Hajj as soon as possible. For example, if your Umrah target is Rp30.000.000 in three years, you’ll need to save around Rp834.000 per month.

2. Open a Dedicated Account for Pilgrimage Savings

To keep your religious savings separate from daily expenses, open a dedicated account. iB Hijrah Term Savings Account is a smart choice. It comes with an auto-debit feature so your savings are deducted automatically each month. This helps you stay disciplined and avoid using the funds for other purposes.

3. Choose the Right Product That Supports Your Plan

If you’re preparing specifically for Hajj, consider opening iB Hijrah Hajj Saving Account from Bank Muamalat. It’s designed to help you register for Hajj safely, transparently, and in accordance with Islamic principles.

Why Tabungan iB Hijrah Haji is the Ideal Choice

This is not just a regular savings account. iB Hijrah Hajj Saving Account is a dedicated sharia savings product tailored to support your intention to perform Hajj.

Key benefits include:

Sharia-compliant with Wadiah Yad Dhamanah (guaranteed safekeeping)
Flexible deposits, start small and grow gradually
Directly integrated with SISKOHAT (Ministry of Religious Affairs system) for official Hajj registration
Easy account opening via Muamalat DIN app or Bank Muamalat branches
No monthly administrative fees

With this account, you're not just saving money. You’re taking structured, meaningful steps closer to the Holy Land.

Tips to Stay Consistent with Your Savings

Activate auto-debit from your main account to your Hajj/Umrah savings
Set monthly reminders for manual deposits, if needed
Prioritize saving at the start of each month, not what's left over
Remind yourself regularly of your spiritual goal, not just the financial target

Turn Your Spiritual Dream into Reality

With the right financial tools and a strong commitment, your journey to the Holy Land doesn’t have to wait. Start now with iB Hijrah Hajj Saving Account for Umrah preparation and use iB Hijrah Hajj Saving Account for a more structured Hajj plan. These products are designed to make your savings journey easier, safer, and fully aligned with Islamic values. Because every step toward Baitullah deserves to begin with pure intention and a well-thought-out plan.