See How Your Halal ETF Portfolio Could Grow

An educational projection calculator for GCC-based Muslim expatriates interested in US-listed Shariah-compliant ETFs. Not financial advice.

ETF SIP Projection Calculator

Enter your portfolio, contributions, and horizon to see a hypothetical projection based on the latest verified data available to the calculator.

Calculation date: today · First monthly contribution: end of the following month

Rate date:Identity rate: USD 1.00

Contributions and projections display in this currency using the verified rate shown above.

Your ETF portfolio

Search for an ETF above to begin. The current catalog includes SPUS, HLAL, UMMA, and SPWO.

Each year, on the 12-month anniversary of your first contribution, all monthly contributions increase by this percentage. Use 0% for no increase.

5%
Investment horizon

Select how many years to project contributions.

Scenarios (same ETF portfolio, different amounts)

Editing amounts or the annual increase changes Scenario 1 only. Your ETF portfolio, currency and horizon are shared by all scenarios.

Projections are hypothetical and for educational purposes only. Past performance is not a guarantee of future results. This is not financial advice.

How this works ›
Initial lump sum is invested immediately on the calculation date.
Recurring monthly contributions start at the end of the following month.
Each ETF's latest validated annualized return since inception is used as a constant assumption.
ETFs are projected independently month-by-month, then combined.
Historical returns are not a guarantee of future performance.

Frequently Asked Questions

What is a Shariah-compliant ETF?
A Shariah-compliant ETF screens its holdings to exclude companies involved in prohibited activities such as conventional banking, alcohol, tobacco, weapons, and pork. The ETF provider attests to its Shariah compliance, typically through an independent Shariah advisory board.
Why does the calculator use the since-inception return?
The calculator uses the latest validated annualized total return since inception from the approved fixed-ticker data source. It reflects historical fund performance including expenses and assumes distributions are reinvested. It is a constant educational assumption, not a forecast of future performance.
What does the annual contribution increase mean?
On each 12-month anniversary of your first contribution, all monthly contributions increase by the selected percentage. For example, a 5% increase means your contributions grow modestly each year, which can significantly affect long-term projections.
Why is the expense ratio not subtracted separately?
The published NAV total return already reflects fund expenses. Subtracting the expense ratio again would double-count the cost, producing a lower and inaccurate result.
Is this calculator giving me financial advice?
No. This is an educational projection calculator only. Projections are hypothetical and based on historical return assumptions, which are not guaranteed. This site is not a financial adviser, broker, tax adviser, or Shariah certification authority.