حاسبة الربا
Interest (Riba) Calculator
Calculate how much interest you pay — and why it matters
⚠️ Riba is Haram in Islam
Allah has declared war against those who consume Riba (interest). This calculator helps you understand how much interest you are paying so you can plan to avoid it. Consider Islamic banking alternatives listed below.
سود (ربا) اسلام میں حرام ہے۔ اللہ نے سود کھانے والوں کے خلاف جنگ کا اعلان کیا ہے۔
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Islamic Alternatives
Murabaha
مرابحہ
Cost-plus financing where the bank buys the item and sells it to you at a marked-up price. No interest is charged. Used for home, car, and business financing.
Ijara
اجارہ
Islamic leasing where the bank purchases the asset and leases it to you for a fixed period. You pay rent and may purchase the asset at the end.
Musharaka
مشارکہ
Partnership financing where both parties contribute capital and share profits and losses. Used for business and home financing.
Sukuk
سکک
Islamic bonds that represent ownership in an asset. Returns are based on the asset's performance, not interest. Used for investment and government financing.
Takaful
تکافل
Islamic insurance based on mutual cooperation. Participants contribute to a pool that covers losses. No interest or gambling elements.
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تفصیلات درج کریں
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دليل الربا
Riba (Interest) Guide
Understanding why interest is prohibited in Islam
The Quran describes it in unusually severe terms: "Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity" (2:275), and the Prophet ﷺ listed consuming Riba among "the seven destructive sins" that doom a person (Sahih al-Bukhari, Sahih Muslim) — in the same category as major sins like murder. The underlying reasoning scholars commonly cite: Riba guarantees the lender a return regardless of outcome while the borrower bears all the risk, concentrating wealth without shared risk or productive effort — the opposite of Islamic finance's preferred model of profit-and-loss sharing.
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
“Allah has permitted trade and has forbidden interest.”
— Surah Al-Baqarah 2:275