How is a Moudaraba account different from interest savings?

A conventional savings account pays a fixed guaranteed interest (riba). In Moudaraba, the bank invests your money and shares the real profit with you per an agreed ratio; the return is not guaranteed and a loss is possible. That is what makes it Sharia-compliant (halal), unlike interest.

Is my capital guaranteed?

No. Moudaraba shares profit and loss: most often a profit is realised, but a loss (without fault or negligence by the bank) is borne by the capital provider. The result is therefore an estimate, not a promise.

Is the displayed return official?

No. There is no single national or guaranteed return; it depends on the actual investment performance. The default here is indicative for simulation only — enter the expected return and share from your bank.

How is profit shared?

Per a ratio agreed upfront between the rab al-mal (you) and the mudarib (the bank), e.g. 70% for you and 30% for the bank. The ratio applies to the realised profit, not to the capital.

Do I owe zakat on the account?

Yes, generally zakat is due on the investment-account balance above the nisab and after a lunar year. Use the zakat calculator to estimate it.

Islamic finance

Moudaraba Investment Account Simulator

Estimate the expected (non-guaranteed) profit and final balance of a Moudaraba Islamic investment account.

Indicative estimate · 2026

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Bank / Islamic window

Initial capital

The amount deposited at the start

Monthly deposit (optional)

Amount added each month (leave at 0 otherwise)

Term (years)

per year

Investment term

Expected annual gross return (%)

Indicative, non-guaranteed return; leave empty for an indicative value

Your profit share (%)

The rab al-mal's share of profit (set by the bank, ~50–70%)

Expected final balance

1,218,270DA

Total deposited90%

Expected profit (not guaranteed)10%

Total deposited1,100,000DA

Your profit share70.0%

Your expected net return2.8%

Expected profit (not guaranteed)118,270DA

Expected final balance1,218,270DA

NoteMoudaraba shares real profit and is not a fixed return: the result is a non-guaranteed estimate, profits can vary or a loss can occur, borne by the capital provider. Enter the return and share from your bank's offer. This is a simulation, not investment advice or a fatwa; the products are certified by the Sharia authorities.

Expected profit (not guaranteed)118,270DA

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How it works

Enter the capital, monthly deposit and term.
Enter the expected annual return and your profit share (or keep the indicative values).
We compute your net return = gross return × your share, then grow the balance with monthly compounding to estimate the expected profit and final balance.

Sources: Bank of Algeria regulation no. 20-02 (15 Mar 2020) on Islamic finance · Islamic banks' products. Returns are expected and not guaranteed, set by the bank.

Banque d'Algérie (opens in a new tab)

Hsabet is not affiliated with any of these official organizations – cited for reference only.

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This tool simulates a Moudaraba investment account, the halal alternative to an interest savings account: you provide the capital (rab al-mal) and the bank invests it (mudarib), then the realised profit is shared per an agreed ratio. Interest-free (no riba): the return is a share of real profit, expected and NOT guaranteed; the capital itself is not guaranteed and a loss is borne by the capital provider.

Enter the capital, monthly deposit, term, expected annual return and your profit share. The result is an estimate, not a guaranteed return.