Quick answer
How much do I need to save monthly for Hajj?
A private Hajj package costs about Rs 1.4 million today. Inflated at ~11.1% a year, that is roughly Rs 2.4 million in 5 years — requiring about Rs 26,000–Rs 30,000 saved monthly depending on whether you use bank savings, National Savings or equity funds. Pick any goal below for your exact number.
Hajj in 5 years, shaadi in 3, plot in 10, university in 15. Pick the goal, and see the monthly saving that actually gets you there — after inflation, across three Pakistani instruments.
Government Hajj 2026 package is Rs 1.15–1.25M; private packages start around Rs 1.4M — plan for the private tier to be safe.
Hajj costs ~Rs 14.00 Lac today. At 11.1% inflation it will cost ~Rs 23.70 Lac by 2031 — that's the number to save for.
Rs 30,349
per monthYou deposit Rs 18.21 Lac over 60 months — growth adds Rs 5.49 Lac (23.2%).
SBP-linked savings-deposit profit; safest, lowest return.
Rs 28,570
per monthYou deposit Rs 17.14 Lac over 60 months — growth adds Rs 6.56 Lac (27.7%).
CDNS certificates or AAA money-market/income mutual funds.
Rs 26,424
per monthYou deposit Rs 15.85 Lac over 60 months — growth adds Rs 7.84 Lac (33.1%).
Volatile — value can drop 30%+ in bad years; only for long horizons
Start today
Rs 28,570/mo
Start in 2 years
Rs 54,291/mo
Same goal, same date — waiting costs +Rs 25,721/month and Rs 2.40 Lac more out of pocket overall (at the 12.2% strategy).
Figures are point-in-time estimates for guidance only — verify against official sources before acting.
With a private package near Rs 1.4 million today and ~11.1% cost inflation, a 5-year plan needs roughly Rs 26,000–Rs 30,000 a month depending on the instrument — less in equity funds, more in a bank savings account. Start earlier and the monthly number falls quickly.
The 2026 government Hajj package is Rs 1.15–1.25 million per the Ministry of Religious Affairs' Hajj Policy; licensed private operators start around Rs 1.4 million and rise with hotel tier. Plan for the future price, not today's — the planner escalates the cost to your departure year.
A mid-range urban shaadi — hall, catering, baraat and walima, jewellery share — typically lands between Rs 2 million and Rs 4 million today. The planner's wedding preset defaults to Rs 3 million over 3 years; adjust it to your city and scale for the required monthly saving.
Six months of household expenses is the standard rule — for Rs 150,000 in monthly expenses, a Rs 900,000 cushion parked somewhere liquid you can reach within a day, like a savings account or money-market fund. The planner treats it as an expenses-multiple goal and computes the monthly saving to build it.
It inflates today's cost to the goal date at your chosen inflation rate (default ~11.1%, the current CPI assumption), then reverse-engineers the SIP: the fixed monthly contribution that compounds to that target at each instrument's assumed return — 10% for bank savings, 12.2% for National Savings or income funds, 15% for equity funds.