In general, Hajj savings are considered a form of personal savings and are therefore not subject to Zakat until they reach the Nisab threshold. The Nisab is the minimum amount of wealth a Muslim must have before they are obligated to pay Zakat. The Nisab amount is based on the current market value of 3 ounces of gold or its equivalent in cash or assets.

Once the value of a person’s Hajj savings, along with any other savings or assets, reaches the Nisab threshold, then Zakat becomes due on the entire amount of wealth, including Hajj savings.

It is important to note that Hajj savings should not be confused with funds that are specifically designated for Hajj expenses, such as travel, accommodation, and other pilgrimage-related expenses. These funds are not subject to Zakat, as they are considered a necessary expense for the performance of Hajj. However, any unused funds that remain after the pilgrimage are subject to Zakat if they reach the Nisab threshold. As with any matters related to Zakat, it is recommended that Muslims consult with a knowledgeable scholar or an Islamic financial advisor to ensure that they are fulfilling their Zakat obligations correctly.