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Tabung Haji Savings & Hibah Calculator

Plan your Hajj fund by projecting yearly growth including annual Hibah (dividends).

Tabung Haji Settings

RM
RM 0RM 100,000
RM
RM 0RM 5,000
%
1%6%
Years
1 Years30 Years

Note: Tabung Haji pays Zakat (2.5%) on behalf of depositors. The projected returns here are effectively net of Zakat.

Projection Summary

Total Savings

RM 34,890

Total Deposits

RM 29,000

Total Hibah Earned

+RM 5,890

Growth Projection

Saving for Hajj with Tabung Haji

Lembaga Tabung Haji (TH) is the premiere Islamic financial institution in Malaysia. Its primary goal is to help Muslims save for the Hajj pilgrimage.

Why save with Tabung Haji?

  • Shariah Compliant: All investments are strictly vetted to ensure Shariah compliance.
  • Zakat Paid: TH pays the business zakat on its investments, so the dividends (Hibah) you receive are clean (Bersih). You generally do not need to pay Zakat Savings on money inside TH.
  • Government Guarantee: Savings in Tabung Haji are guaranteed by the Government of Malaysia.

Understanding Hibah

Unlike conventional banks that give "Interest", Tabung Haji gives "Hibah" (Gift). The rate varies yearly based on TH's investment performance. While historical performance has been consistent, it is not fixed.

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