Murabaha Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
Quick reference
| $40k asset, $5k down, 6%, 60 mo | Result |
|---|---|
| Amount financed | $35,000 |
| Total profit | $10,500 |
| Locked sale price | $45,500 |
| Monthly instalment | $758 |
mosque Calculated to Shariah-compliant formulas
Every Islamic calculator on CalcaTools uses formulas from recognised Shariah authorities — the Hilal Committee's Hijri conversion tables, the MWL/ISNA/Umm al-Qura prayer-time methods, the four-school consensus for Zakat Nisab, and the Faraid distribution rules from classical fiqh. The exact authority is cited on every tool page.
menu_book Sunni & Shia rules side by side
For tools where the calculation differs between schools (Faraid inheritance, certain Zakat triggers, prayer-time conventions), we surface the choice as a selector and document the difference in the methodology block. Pick the school that matches your tradition — the answer adjusts.
savings Zakat with the live Nisab
Zakat tools fetch the current spot gold/silver price (or let you enter your local rate) so the Nisab threshold reflects today's value, not a stale figure from last year. The 2.5% rate is the standard hawl-based calculation; agricultural Zakat (1/10 or 1/20) is available on the dedicated Ushr calculator.
verified For guidance, not a fatwa
These calculators give you the number — they do not give a fatwa. For complex personal situations (inheritance with revoked rights, mixed-asset Zakat, late prayer makeup rules), please confirm with a qualified scholar in your tradition. We're here to help with the arithmetic, not to replace your local imam.
Interpretation guide
| Feature | Murabaha behaviour |
|---|---|
| Sale price | Fixed at contract; never increases |
| Late payment | No interest accrual (charity penalties only) |
| Early settlement | Rebate possible but discretionary |
Formula & methodology
Formula: Total profit = financed × rate × years (flat); instalment = (financed + profit) ÷ months
- Enter the asset cost, your down payment, the bank’s profit rate and the term.
- Murabaha profit is computed flat on the financed amount over the term and added to form the fixed sale price.
- The sale price divides into equal instalments — the figure that never changes after signing.
Worked example: $40,000 car with $5,000 down at 6% over 60 months → $758/month; profit $10,500, total sale price locked at $45,500.
Authoritative source: AAOIFI Shariah Standard No. 8
Frequently asked questions
Explore the full Islamic toolkit
Every CalcaTools Islamic calculator — zakat and charity, prayer times, the Hijri calendar, halal finance, and family tools — cross-checked against the Umm al-Qura calendar and classical fiqh references.