Planning to Perform Umrah Next Year? Here’s How to Start Saving Now

Performing Umrah is a goal that many Muslims have had for years. However, once you start looking into the cost of the journey, one important question may come to mind: when is the right time to start saving for Umrah?

If you are planning to perform Umrah next year, you can start preparing financially today.

Starting early means you do not have to prepare the entire amount at once. You can decide when you want to travel, estimate your Umrah expenses, and gradually set aside money based on your financial capacity.

So, what should you prepare to make your Umrah plan for next year more manageable? Here are some practical steps to get started.

Decide When You Want to Perform Umrah
The first step is to determine when you would like to perform Umrah. You do not need to choose an exact departure date immediately. Start by deciding on a preferred month or travel period. For example, if you plan to travel in the middle of next year, you still have several months to prepare your Umrah fund. Having a target timeframe is important because it determines how long you have to save. The earlier you decide when you want to go, the easier it becomes to create a clear and measurable savings plan.
Estimate Your Total Umrah Costs

Once you have a timeframe in mind, the next step is to estimate how much money you will need. Remember that your Umrah budget should cover more than the travel package itself. There may be additional expenses before and during your journey.

Some expenses to consider include:
- Umrah travel package
- Passport application or renewal
- Worship and travel essentials
- Personal expenses while in the Holy Land
- Emergency or contingency funds
For example, suppose you estimate that you will need Rp36 million in total and have 12 months to prepare. A simple calculation would give you a savings target of around Rp3 million per month. This figure is only an illustration. Actual Umrah costs may vary depending on your travel package, departure period, personal needs, and other factors. Breaking down the total amount into a monthly target can turn a broad goal such as “I want to perform Umrah next year” into a more concrete financial plan.
Create an Umrah Savings Plan That Fits Your Budget

Once you know your target amount, compare it with your current financial situation. Review your monthly income and regular expenses. From there, determine how much you can realistically set aside specifically for your Umrah fund. If the required monthly amount feels too high, you can adjust your plan. You might extend your preparation period, review non-essential spending, or allocate part of any additional income toward your Umrah savings. Most importantly, your Umrah savings plan should not interfere with essential living expenses or other financial obligations. A realistic plan that you can follow consistently is more manageable than setting an ambitious target that puts unnecessary pressure on your monthly finances.
Keep Your Umrah Savings Separate from Everyday Spending

Have you been saving regularly, only to find yourself using the money again?

One possible reason is that your savings and everyday spending money are kept in the same place. Consider setting aside your Umrah fund separately so that you can monitor its progress more easily and avoid mixing it with money for daily transactions. Bank Muamalat offers the Dana Impian feature in Muamalat DIN, which can help customers prepare funds for different financial goals in a more structured way. You can create a target based on what you want to achieve, including preparing for Umrah. Having a specific goal also makes it easier to monitor how your savings are progressing over time. Instead of simply “saving whatever is left at the end of the month,” you can work toward a specific amount within a defined timeframe.
Build Your Umrah Fund Gradually

Saving for Umrah does not mean you need to have the entire amount ready within a short period. If you have 10 or 12 months before your planned departure, use that time to build your Umrah fund gradually. You can also make use of additional income. If you receive a bonus, incentive, holiday allowance (THR), or other extra income, consider allocating a portion of it to your Umrah savings. This could help you move closer to your target without significantly increasing your regular monthly allocation. It is also worth reviewing your progress every few months.

Is your Umrah fund growing according to plan? Is your monthly savings target still realistic? Do you need to make any adjustments?

Regular reviews can help keep your financial plan aligned with your current circumstances.
Choose a Saving Method That Works for You

Everyone has different financial circumstances and saving habits. Some people are comfortable setting aside money independently every month, while others may find it easier to stay consistent when they have a specific target to work toward. The important thing is to choose an approach that suits your financial capacity and needs. If you prefer saving toward a defined goal, Dana Impian in Muamalat DIN can be one option to help you plan your Umrah fund in a more structured way. Muamalat DIN also allows you to manage various banking needs in one application, making it easier to handle everyday transactions while keeping track of the funds you are preparing for your financial goals.

Start Preparing for Umrah Before Your Departure Gets Closer

Your planned Umrah journey may still be several months away, but the time you have now can be valuable for preparing your finances gradually. Start by deciding when you want to travel. Estimate how much you will need, determine how much you can comfortably set aside each month, and regularly review your progress. You do not have to wait until you have the full amount to start planning. Small and consistent steps today can help make your financial preparation for the journey to the Holy Land more structured and manageable. Start preparing for your Umrah journey with Dana Impian in Muamalat DIN.

Planning to Perform Umrah Next Year? Here’s How to Start Saving Now

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