Is Zakat due on money saved for Hajj?
Earmarking savings for Hajj does not remove them from your Zakat — the money is still yours until you actually spend it.
Money saved for Hajj is still your wealth, so it is generally Zakatable if your total stays above Nisab for a lunar year — intending to spend it later does not exempt it. If your Zakat date arrives while the funds are still saved, include them. Only what you have already paid out for a booked trip has left your wealth.
Earmarked money is still yours.
Setting money aside for a future purpose — even a religious one like Hajj — does not remove it from your Zakatable wealth. Until you actually spend it, the money remains yours, so it is treated like any other savings and is generally Zakatable if it meets Nisab across the lunar year.
Paid versus saved.
The distinction is between money you still hold and money you have already paid. If you have paid a non-refundable amount to a Hajj operator, that has left your wealth. But a balance still sitting in your account, however firmly earmarked, is still counted on your Zakat date.
If your Zakat date arrives before you travel, include the Hajj savings you still hold in that year's calculation.
Imminent, committed payments.
Where a Hajj payment is genuinely due in the near term as a committed liability, it may be treated like other near-term liabilities under the view you follow — but a general intention to spend on Hajj someday is not a deductible debt.
Questions people ask.
Do I pay Zakat on money saved for Hajj?+
Generally yes. Earmarking savings for Hajj does not exempt them; the money is still yours and is Zakatable if it stays above Nisab for the lunar year and you still hold it on your Zakat date.
What if I've already paid for my Hajj trip?+
Money you have actually paid out — especially non-refundable amounts — has left your wealth and is not counted. Only funds you still hold are included.
Can I deduct my planned Hajj cost?+
A general intention to spend on Hajj is not a deductible debt. Only a payment genuinely due in the near term may be treated as an eligible liability, under the view you follow.
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