Murabaha calculator
Work out a cost-plus (Murabaha) sale — a known asset bought at a cost and sold at a fixed, agreed profit, paid in equal monthly instalments. No interest accruing over time, just a set markup. Educational, saved on your device, fully offline.
Open Murabaha calculator →What is the Murabaha calculator?
A free, private calculator for working out a cost-plus (Murabaha) sale: a known asset bought at a cost and sold at a fixed, agreed profit, paid in equal monthly instalments. There is no interest accruing on money over time — just a set markup agreed up front. It runs entirely in your browser, saves on your device, and is an educational estimate, not financial advice.
How to use Murabaha calculator
- Enter the asset cost — Type the cost price of the asset and pick a currency symbol from the list.
- Set the profit — Choose whether the profit is a percentage markup or a fixed amount, then enter the figure.
- Add the terms — Optionally add a down payment, then enter the number of monthly instalments to spread the financed amount over.
- Read the breakdown — See the sale price, the markup percentage, the amount financed and the monthly instalment, all updating live as you type.
Frequently asked questions
How is Murabaha different from a loan?
In Murabaha the profit is a fixed markup on a known asset, agreed up front — not interest charged on money over time. The amount owed doesn't grow the longer you take to pay.
How is the monthly instalment worked out?
The sale price (cost plus profit) minus any down payment is the amount financed, divided equally across the number of months you enter.
Can I enter the profit as a fixed amount instead of a percentage?
Yes. Toggle between % and Amount for the profit field — the breakdown still shows the resulting markup percentage either way.
Is my data saved or uploaded?
Your inputs are saved on your device so they're there when you return, and nothing is uploaded — the whole calculation runs offline in your browser.
Is this financial or religious advice?
No. It's an educational estimate to help you understand the numbers. For an actual contract, follow your Islamic bank or a qualified scholar.
Tips
- Use the Amount mode when a fixed profit has already been agreed, and % mode when you're pricing from a markup rate.
- Add a down payment to see how much smaller the financed balance and monthly instalment become.
- Set the instalment months last — the headline switches from the financed total to a per-month figure once it's valid.