Performing the Umrah pilgrimage is a dream for many Muslims, yet the cost of travel and visa arrangements often becomes a challenge.
With that in mind, adopting smart saving strategies can help you prepare financially and turn your dream of visiting the Holy Land into reality.
According to Indonesia’s Ministry of Religious Affairs, the recommended cost for Umrah starts at around IDR 26 million per person, and it may increase depending on the facilities and travel agency you choose. That’s why saving with the right strategy is the best step forward.
So, how can you save more effectively to reach your target sooner? Let’s go through some practical tips below.
Tips for Saving Money for Umrah
To ensure your Umrah journey goes as planned, start with a clear and disciplined saving strategy. Here are some steps you can try:
1. Set Your Target Cost
The first step is to identify the estimated expenses. Standard Umrah packages typically range from IDR 25–35 million per person for a 9-day trip, depending on the airline, accommodations, and services.
There are also Umrah-plus packages that include visits to other countries, usually costing IDR 40–45 million. With these options in mind, choose the package that suits your financial capability, then set a clear savings target.
2. Open a Dedicated Savings Account
To avoid mixing Umrah savings with daily expenses, it’s best to open a separate account.
Many banks in Indonesia offer special savings accounts for Hajj and Umrah, making it easier to manage and track your progress.
3. Choose a Trusted Umrah Travel Agency
Nowadays, many travel agencies provide competitive packages. Select one that fits your budget and ensure it is officially registered with the Ministry of Religious Affairs to avoid fraud.
Be cautious with offers that seem too good to be true, such as extremely low prices or schemes involving suspicious conditions. Always read the terms carefully to keep your savings safe.
4. Set Aside 10% of Your Monthly Salary
A practical method is to save 10–20% of your monthly income. For example, with a salary of IDR 6 million, you could save IDR 600,000–1.2 million per month.
Adjust this amount based on your financial goals and capacity. The key is consistency and strong intention.
5. Prepare a Down Payment (DP)
Some travel agencies may require a down payment (DP) when you register for Umrah.
For Hajj, the timing of your DP also affects your departure schedule—the sooner you pay, the sooner you may depart. Similarly, Umrah costs often rise over time, so preparing funds early is highly beneficial.
6. Plan Regular Savings Contributions
Savings should also account for inflation and potential cost increases in the future.
For instance:
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If today’s Umrah cost is IDR 35 million and could rise to IDR 60 million in 5 years, a 30% DP would require around IDR 300,000 in monthly savings.
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If Hajj costs rise from IDR 99 million to IDR 124 million in 5 years, you’d need to save about IDR 620,000 per month for the DP.
By setting clear targets, you’ll be better prepared financially.
7. Allocate Funds to Sharia-Compliant Investments
Your savings can grow faster when combined with investments, such as sharia mutual funds listed in the Sharia Securities List (DES).
Options based on your timeline:
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2–4 years: Fixed Income Funds or Mixed Funds.
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5+ years: Mixed Funds, Equity Funds, or Index Funds.
8. Cut Unnecessary Expenses
Strengthen your commitment by reducing non-essential spending.
This can start with simple habits such as limiting coffee shop visits, eating out less often, reducing streaming subscriptions, and avoiding impulsive shopping.
9. Boost Income with Side Jobs
If your savings still fall short, consider increasing your income. Options include freelance work, small businesses, or micro-investments to accelerate your Umrah fund.
These are some practical ways to save for Umrah, helping you achieve your spiritual journey without unnecessary financial stress. With proper planning, consistency, and discipline, your dream of visiting the Holy Land can come true sooner.
For a more secure and Sharia-compliant experience, BFI Finance Syariah offers Umrah Financing to help you plan your pilgrimage with trusted facilities.
In addition, various Sharia financing options are available and are directly supervised by the Financial Services Authority (OJK), ensuring safety and transparency.
Let’s make your blessed journey a reality with BFI Finance. With trustworthy Sharia financing, you can feel #MuchMorePeaceful on your way to the Holy Land.
