Government package 2 for 2027 costs ৳5,05,648. To save that in 5 years at a 7.5% provisional rate you need about ৳7,054 a month (after source tax). Try your own target below.
Hajj package
৳
= 5 lakh 5 thousand 648 taka
Government package prices as announced by the Ministry of Religious Affairs (21 July 2026); private agency packages cost more.
%
Leave 0 if unsure; package prices change every year.
years
= 60 months
%
Example Hajj savings scheme rate (Islami Bank Bangladesh, provisional rates from 1 January 2026). Enter your bank's rate.
৳
= 0 taka
Proof of return submission (PSR)
± 0.5%
Save every month
৳7,054
for 60 months, at the start of each month
Expected cost (at that time)
৳5,05,648
Saved so far
৳0
Total deposited
৳4,23,241
Gross profit (before tax)
৳91,564
Source tax (10%)
− ৳9,156
Payout at maturity
৳5,05,648
Payout if the final rate is ±0.5%
৳4,99,491 – ৳5,11,910
To have ৳5,05,648 in 5 years at a 7.5% provisional rate, save ৳7,054 every month (after tax).
This is a plan at the provisional rate. The bank declares the final rate after the year closes, and Hajj package prices change every year — recheck now and then.
Example rate: Islami Bank Bangladesh, provisional rates from 1 January 2026. It may have changed since — being verified.
How this was calculated
Cost ৳5,05,648; rising 0% a year it becomes ৳5,05,648 in 5 years
Monthly rate = 7.5% ÷ 12 = 0.625%; profit added monthly on the running balance
Monthly deposit needed to reach the target after source tax = ৳7,054
Deposits ৳4,23,241 + profit ৳91,564; after tax ৳5,05,648
With the same monthly deposit, if the final rate differs the payout is ৳4,99,491 to ৳5,11,910
If you expect the cost to rise, enter a yearly % (0 if unsure).
Choose how long until Hajj; an example profit rate fills in for that term, which you can change.
Enter what you have already saved and whether you have proof of return submission (PSR).
Use the slider for how far the final rate may differ — it shows the range you could receive with the same monthly deposit.
How it is worked out
Deposits are made at the start of each month; the monthly rate is the yearly provisional rate ÷ 12, and profit is added monthly on the running balance (like a DPS). Source tax is taken from the profit at maturity. The calculator finds the monthly deposit that leaves exactly your target after tax.
With a yearly rise, target = today’s cost × (1 + rise)^years.
Examples
Target
Term
Saved now
Monthly deposit
Total deposited
Profit
Package 2: ৳5,05,648
5 years
0
about ৳7,054
৳4,23,241
৳91,564
Package 1: ৳6,15,263
3 years
৳1,00,000
about ৳12,305
৳5,42,987
৳80,307
Package 2 rising 5% a year (৳6,45,349)
5 years
0
about ৳9,003
৳5,40,174
৳1,16,861
All at a 7.5% provisional rate, with PSR (10% source tax).
In the first example, if the bank’s final rate is 0.5% lower (7%) or higher (8%), the same monthly deposit pays about ৳4,99,491 to ৳5,11,910 — so saving a little above the target is the safe choice.
Good to know in Bangladesh
Example rate: Islami Bank’s Hajj savings scheme pays 7.50% for 1–10 years and 8.00% for 11–25 years (provisional, from 1 January 2026). Other banks differ.
Package prices change every year: add an expected rise and recheck now and then.
Registration: pre-registration and registration for Hajj are separate processes; the scheme only builds the money.
More: before you start saving
Hajj is obligatory once in a lifetime for those who are able. Saving small amounts over a longer time eases the burden. Before opening a scheme, ask how profit is worked out if you stop midway, what happens with late instalments, and whether the payout can go directly to a Hajj agency or the government arrangement.
Frequently asked questions
What does the 2027 Hajj package cost?
On 21 July 2026 the Ministry of Religious Affairs announced two government-managed packages: package 1 at ৳6,15,263 and package 2 (economy) at ৳5,05,648; package 2 includes food and Qurbani. Private agency packages cost more.
What is a Hajj savings scheme?
Offered by Islamic banks, it takes a fixed monthly deposit and adds profit on the Mudaraba principle, with the goal of covering Hajj costs. Terms usually run from 1 to 25 years.
If I save 5,000 taka a month, how long until I have enough?
At 7.5%, 5,000 taka a month reaches the package 2 cost in about 6.5–7 years (if the cost doesn't rise). Change the term above to check.
How are my existing savings counted?
They are assumed to sit in the same scheme from the start and earn profit, which lowers the monthly deposit needed.
Is the profit taxed?
Yes, 10% source tax on the profit at maturity (15% without PSR). The calculator solves for the monthly deposit that reaches your target after that tax.
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