Many prospective pilgrims have started looking for information about Umrah cost in 2026, as package prices may change depending on exchange rates, visa policies, and the latest regulations from Saudi Arabia.
Umrah itself can be performed by people from all walks of life, from active employees to retirees. Therefore, learning about the estimated Umrah cost for 2026 early on is important. It gives you more time to prepare your budget, compare available packages, and choose services that best suit your needs.
Whether you plan to travel alone or with your parents, proper planning can make the preparation process much more comfortable and stress-free. To learn about the estimated Umrah cost in 2026 and tips to save money, read this article until the end.
Estimated Umrah Cost 2026
Currently, the estimated Umrah cost in 2026 ranges from IDR 26 million to IDR 78 million, depending on the package you choose. Price differences are influenced by several factors such as departure season, transportation, and travel duration.
Generally, these costs already include flight tickets, transportation, accommodation, and essential services during your stay in the Holy Land. However, Umrah package prices may vary due to the following factors:
1. Departure Season
Umrah prices are usually higher during Ramadan or holiday seasons. During these periods, demand increases significantly, causing package prices to rise.
2. Hotel Quality and Location
Five-star hotels or accommodations located close to Masjid al-Haram tend to make Umrah packages more expensive compared to simpler hotels or those located farther away.
3. Transportation
Packages that include direct flights and premium transportation services typically cost more than packages with transit flights or standard transportation.
4. Additional Services
Extra services such as religious tours (ziarah), spiritual guidance, or special travel facilities can also affect the overall price. The more comprehensive the services offered, the higher the package price.
5. Length of Stay
The longer you stay in Makkah and Madinah, the higher the package price will be due to additional accommodation and meal costs.
6. Regulations and Visa Fees
Government policies and visa fees can also impact the total cost that pilgrims need to pay.
For those planning to perform Umrah in the near future, BFI Finance Umrah Financing can be a practical solution to help you realize your pilgrimage plans sooner. This financing service applies Sharia contracts and collaborates with travel agents registered with the Ministry of Religious Affairs.
Additionally, the installment amount will be adjusted based on the assessment of each prospective pilgrim by BFI Finance Syariah.
Umrah Financing Simulation from BFI Finance Syariah
Through BFI Finance Syariah Umrah Financing, you can split the cost of your Umrah trip into installments according to the selected tenor. This scheme provides convenience since you do not need to prepare the full amount upfront.
You only need to pay a down payment and administrative fee, while the remaining amount can be paid in installments over 12, 24, or 36 months.
With these tenor options, you can adjust the monthly payment according to your financial condition to keep it manageable. Below is an estimated installment simulation:
| Description | 12 Months | 24 Months | 36 Months |
|---|---|---|---|
| Cash Price | IDR 33,000,000 | IDR 33,000,000 | IDR 33,000,000 |
| Installment Selling Price | IDR 38,263,200 | IDR 43,638,000 | IDR 49,496,400 |
| Down Payment | IDR 4,950,000 | IDR 4,950,000 | IDR 4,950,000 |
| Administration Fee | IDR 1,500,000 | IDR 1,500,000 | IDR 1,500,000 |
| Remaining Installment | IDR 33,313,200 | IDR 38,688,000 | IDR 44,546,400 |
| Monthly Installment | IDR 2,776,100 | IDR 1,612,000 | IDR 1,237,400 |
From this simulation, it can be seen that the longer the tenor, the lighter the monthly installments. You can choose the option that best fits your financial condition to ensure your Umrah plan remains well-managed.
Disclaimer: The simulation table above is only an estimate. Actual figures may vary depending on the assessment of the applicant’s profile and other influencing factors.
Tips to Save on Umrah Costs
To ensure your pilgrimage plan runs smoothly without putting pressure on your finances, it is important to prepare a smart budgeting strategy. Managing your expenses wisely from the beginning can help reduce costs without sacrificing comfort during the journey.
Here are several tips to save on Umrah expenses:
1. Choose an Affordable Umrah Package
Selecting an affordable Umrah package does not mean sacrificing comfort. You can still enjoy good facilities if you choose carefully.
Look for an Umrah travel agency that offers reasonable prices with services that match your needs. Take time to compare several options so you can find the package that best fits your budget and preferences.
2. Plan Early
Planning your Umrah trip well in advance can help you secure cheaper flight tickets and hotel rates. Booking early is recommended because prices usually increase closer to the departure date.
3. Take Advantage of Special Promotions
Promotions and discounts from travel agencies, airlines, or hotels can significantly reduce your travel expenses.
Monitor promotional information through social media or subscribe to travel agency newsletters. You can also ask directly if there are special offers or group discounts available.
4. Choose a Less Crowded Travel Period
Select your departure time carefully to keep costs lower. During peak seasons such as Ramadan or holiday periods, ticket and hotel prices usually rise.
If possible, travel outside these peak periods, such as after the Hajj season or at the beginning of the Umrah season, when prices are generally more affordable.
5. Control Spending in the Holy Land
While performing Umrah, manage your personal spending wisely. Set a budget for shopping or additional needs so you do not exceed your initial financial plan.
Focus on your main purpose—worship—so your expenses remain controlled and are not spent on unnecessary items.
6. Travel with Family or Friends
You may consider going on Umrah with family members or friends. Traveling together allows you to share certain costs, such as accommodation or transportation.
This can help reduce individual expenses and make the trip more affordable while still staying within your budget.
Plan Your Umrah Journey with the Right Financial Support
That was the overview of the estimated Umrah cost in 2026 and practical tips to save money. By understanding the potential expenses early, you can create a clearer Umrah plan—whether for yourself or for your parents—and reduce the risk of unexpected costs.
To ensure your Umrah journey runs smoothly, you may need a financing solution that aligns with Sharia principles. Through its Sharia Business Unit (UUS), BFI Finance offers Sharia Financing to help cover your Umrah expenses.
With BFI Finance Syariah Umrah Financing, you can access the funds needed to make your pilgrimage to the Holy Land a reality through a transparent and reliable process.
BFI Finance services are licensed and supervised by the Financial Services Authority (OJK). With better financial planning and trusted financing support, you can prepare for your journey to the Holy Land with greater peace of mind.
This way, you can focus on your worship without financial worries. With BFI Finance Syariah, your Umrah journey becomes #MuchMorePeaceful.
