Education
The Real Cost of Riba
See exactly how much wealth a conventional mortgage extracts from your family. This is not a tool to help you get a mortgage. It is a tool to show you why you should not.
Enter Loan Details
Adjust the numbers to see how riba compounds over time.
Home Price
Total purchase price
Down Payment
Percentage of home price
Interest Rate
Annual rate (riba)
Loan Term
Years of payments
The True Cost
On a $500,000 home, you pay $373,162 in riba alone
That is 75% of the home's value. Gone. To the bank.
Where Your Money Goes
What $373,162 Could Build Instead
The money that goes to the bank could transform your family's future.
74
months of family expenses
46
Hajj trips
7
years of business capital
12
homes in developing countries
“Allah has permitted trade and has forbidden riba.”
Surah Al-Baqarah, 2:275
This calculator is an educational tool designed to illustrate the true cost of interest-based lending. It does not constitute financial, legal, or religious advice. The prohibition of riba is established by the Quran (2:275-279) and confirmed by scholarly consensus including Mufti Taqi Usmani (Chairman, AAOIFI Shariah Board), Sheikh Yusuf al-Qaradawi, and the Islamic Fiqh Academy of the OIC. Consult a qualified Islamic scholar and financial advisor for guidance specific to your situation.