The Muslim Personal Finance

Simulate my returns

See how your halal investments could grow over time with compound returns.

Currency

Choose the currency for all amounts.

How much you're starting with

£

How much you add each month

£

Expected yearly growth

%

Investment duration (max 60)

years

Quick rate presets

Projections are illustrative only and assume a constant annual rate. Actual returns will vary. This is not financial advice.

Final value

£124,987

Total invested

£53,000

Total growth

£71,987

Growth over time

Year 1

Value: £7,854

Growth: £454

Year 2

Value: £10,915

Growth: £661

Year 3

Value: £14,197

Growth: £882

Year 4

Value: £17,717

Growth: £1,119

Year 5

Value: £21,490

Growth: £1,374

Year 6

Value: £25,537

Growth: £1,647

Year 7

Value: £29,876

Growth: £1,939

Year 8

Value: £34,528

Growth: £2,253

Year 9

Value: £39,518

Growth: £2,589

Year 10

Value: £44,867

Growth: £2,950

Year 11

Value: £50,604

Growth: £3,336

Year 12

Value: £56,755

Growth: £3,751

Year 13

Value: £63,351

Growth: £4,196

Year 14

Value: £70,423

Growth: £4,673

Year 15

Value: £78,007

Growth: £5,184

Year 16

Value: £86,139

Growth: £5,732

Year 17

Value: £94,859

Growth: £6,320

Year 18

Value: £104,209

Growth: £6,950

Year 19

Value: £114,236

Growth: £7,626

Year 20

Value: £124,987

Growth: £8,351

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InvestedGrowth

Year-by-year breakdown

YearStart balanceContributionsGrowthEnd balance
1£5,000£2,400£454£7,854
2£7,854£2,400£661£10,915
3£10,915£2,400£882£14,197
4£14,197£2,400£1,119£17,717
5£17,717£2,400£1,374£21,490
6£21,490£2,400£1,647£25,537
7£25,537£2,400£1,939£29,876
8£29,876£2,400£2,253£34,528
9£34,528£2,400£2,589£39,518
10£39,518£2,400£2,950£44,867
11£44,867£2,400£3,336£50,604
12£50,604£2,400£3,751£56,755
13£56,755£2,400£4,196£63,351
14£63,351£2,400£4,673£70,423
15£70,423£2,400£5,184£78,007
16£78,007£2,400£5,732£86,139
17£86,139£2,400£6,320£94,859
18£94,859£2,400£6,950£104,209
19£104,209£2,400£7,626£114,236
20£114,236£2,400£8,351£124,987

Why compound returns matter

The longer your money stays invested, the more growth earns its own growth. Even modest monthly contributions build significant wealth over 20+ years.

Choosing a realistic rate

Halal global equity funds have historically returned 6–9% annually over long periods. Sukuk and property-backed funds typically range from 4–6%.

Purification

If investing in equity funds, check the permissible income ratio and set aside the equivalent percentage of dividends each year for charity (purification).