Step 1: set a realistic target
A plan is only as good as its target. For Umrah from Pakistan, a published 2026 guide puts the full trip at PKR 220,000 to PKR 500,000 or more. For Hajj under the Pakistan government scheme, the cost was announced as an estimated PKR 1,150,000 to PKR 1,250,000 per pilgrim, with a long package of 38 to 42 days and a short one of 20 to 25 days.
The calculator on this site starts from PKR 343,300 for a ten-night economy Umrah and PKR 1,268,000 for an economy Hajj from Pakistan. Use them as a placeholder until you have a written quote, then replace them. A wrong target does more harm than a rough one, because you only find out when it is too late to adjust.
Step 2: choose a timeline and see the monthly amount
The monthly amount is the remaining cost divided by the number of months. The tables use the calculator’s starting totals and assume you have saved nothing yet, so subtract your current savings from the target first if you have some.
| Months to save | Put aside each month |
|---|---|
| 24 months (2 years) | PKR 52,834 |
| 36 months (3 years) | PKR 35,223 |
| 60 months (5 years) | PKR 21,134 |
| 84 months (7 years) | PKR 15,096 |
| Months to save | Put aside each month |
|---|---|
| 6 months | PKR 57,217 |
| 12 months | PKR 28,609 |
| 18 months | PKR 19,073 |
| 24 months | PKR 14,305 |
Step 4: make saving automatic
- Move the amount into a separate account on the day you are paid, before you spend anything.
- Use a standing instruction with your bank so it happens without a decision each month.
- Keep the money apart from your daily account so it is not part of your spending picture.
- Review the plan every three months against your target and your timeline.
- Put one-off money, such as a bonus or a refund, towards the target instead of spending it.
If your income is irregular
Traders, farmers and daily-wage earners cannot always put the same amount aside each month. In that case save a fixed percentage of every payment you receive instead of a fixed amount. Take five or ten percent of each sale or each harvest into the savings account the same day, and add more in strong months. Check the total every quarter against the monthly figure from the table to see whether you are ahead or behind.
Saving as a family
The cost multiplies by the number of pilgrims, so a couple needs twice the target. If you are planning for two, enter two pilgrims in the calculator and look at the monthly amount for both together. Some families spread the cost by planning Umrah first and Hajj later. Who goes and when is a decision for your family and, where needed, a qualified scholar.
What this guide does not cover
This guide is about the money only. Whether Hajj is currently obligatory for you, and how to treat savings and debts when deciding, are questions for a qualified scholar. It is not financial advice either: it does not recommend where to keep savings, and it does not allow for inflation, profit or currency changes, which can move the real cost between now and your travel date.
Common questions
How do I pay for the Pakistan government Hajj scheme?
What if I cannot keep up the monthly amount?
Should I plan for Umrah first?
Does the monthly figure include inflation?
Sources
Reviewed on 18 Oct 2026 against the published sources below. Laws and prices change, so check the current position before you rely on a figure.
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This guide is general information, not legal, financial or religious advice. Figures are estimates worked out from the sources above and may differ from what applies to you. See the disclaimer. Found a mistake? Tell us.