Halal Finance Tools
Free calculators for British Muslims. Mortgage affordability, Zakat hawl tracker, and pension tax relief — all built with Islamic finance principles in mind.
🧭 Find My Halal Product
A few taps — get the provider that fits your situation, using our latest verified rates.
🏡 Halal Mortgage Affordability
Estimate how much you may be able to borrow for an Islamic home purchase plan.
🏠 HPP True-Cost Calculator
What an Islamic home purchase plan will actually cost you per month and over the full term — using each provider's latest verified starting rates.
How this is calculated
Under a diminishing musharakah home purchase plan, you buy the property jointly with the bank and make one monthly payment that combines rent on the bank's share with acquisition payments that increase your share. Mathematically this works like a repayment mortgage, so we use the standard amortisation formula on the financed amount at the provider's published starting rental rate for your finance-to-value (FTV) band, held constant over the full term. Your actual rate after the fixed period will change, so treat the full-term totals as a like-for-like comparison, not a quote.
🌙 Zakat Hawl Tracker
Find out when your Zakat is due. The hawl is a full Islamic lunar year (354 days) from when your wealth first reached the nisab threshold.
🏖️ Pension Tax Relief Calculator
See how much the government adds to your halal pension contributions through tax relief.
How relief is applied depends on your pension type. For workplace pensions, tax relief is handled automatically — either via salary sacrifice (deducted before tax is calculated) or relief at source (your employer's provider claims it from HMRC on your behalf). You do not need to do anything. For SIPPs (Self-Invested Personal Pensions), the provider claims basic rate (20%) relief from HMRC and adds it to your pot automatically; if you pay higher or additional rate tax, you claim the extra through your Self Assessment tax return. This calculator applies to both types — enter what you actually contribute, not your gross salary deduction.
🚗 Car Finance Cost Comparator
See the real total cost of halal car finance versus a conventional interest-based deal, side by side.
These tools are for educational and illustrative purposes only and do not constitute financial advice. Always consult a qualified financial adviser for significant decisions. For Zakat calculations involving complex assets, consult a qualified Islamic scholar.