Faraid calculator (Islamic inheritance)

Faraid calculator

ListBelanja's faraid calculator works out each heir's inheritance share under the Shafi'i faraid rules practised in Malaysia. Enter the total estate, assets already given as hibah, matrimonial property, funeral costs, debts and bequests — the faraid calculator deducts them in the order the law sets, caps bequests at 1/3 and does not carry out a bequest to an heir without the other heirs' consent. Every heir gets a fraction, percentage, RM amount and a short explanation: the husband takes 1/4 because there are children, the mother 1/6 because there are two siblings, sons and daughters share the remainder 2:1. 'Awl, a remainder with no 'asabah going to Baitulmal, Umariyyatain, musytarakah, akdariyyah and a grandfather with siblings (Zayd ibn Thabit's view, including mu'addah) are worked out exactly, with official sources and the date they were read. An unborn child, khunsa, a missing heir and simultaneous deaths are referred straight to the Syariah Court. In the app, the Faraid tab fills in the estate from your own net worth. The Syariah Court's Faraid Certificate is the official document.

How is faraid worked out?

The estate is cleared first: assets already given as hibah and the spouse's matrimonial-property (harta sepencarian) share are taken out, then funeral costs and debts (including unpaid zakat and vows) are paid. Bequests (wasiat) are carried out up to 1/3 of what remains, and a bequest to an heir needs the other heirs' consent.

Ashab al-furud receive the Quran's fixed shares (1/2, 1/4, 1/8, 2/3, 1/3, 1/6); the 'asabah take the remainder. If the shares add up to more than the estate, every share is reduced in proportion ('awl). If a remainder is left with no 'asabah, it goes to Baitulmal, as practised by the states in Malaysia.

Special cases covered

Umariyyatain (the mother takes 1/3 of the remainder), musytarakah, akdariyyah, a grandfather with siblings (sharing, 1/3, 1/3 of the remainder or 1/6 — Zayd ibn Thabit's view) including mu'addah, grandchildren through a son and the 1/6 completion share (takmilah).

An unborn child, khunsa, a missing heir, simultaneous deaths and more distant heirs are referred straight to the Syariah Court — the calculator does not guess.

In the app: a hibah & wasiat register

In ListBelanja, the Faraid tab fills in the estate from your own net worth, takes out assets already given as hibah and checks bequests against the 1/3 limit — and the Heir access summary includes your hibah & wasiat register.

Other finance calculators

• 🏠Home loanMonthly instalment, total interest, amortisation schedule & DSR
• 🚗Car loanHire-purchase flat rate → instalment & the real effective rate
• 🏦EPF projectionEPF balance at retirement from salary, contributions & an assumed dividend
• 📈Compound interestGrowth of regular savings — or how much to save for a target
• ☪Zakat calculatorZakat on income & savings with your nisab — straight into the tax rebate
• ％SST calculatorSST on an amount — inclusive or exclusive, rates from the current rules
• ⚖50/30/20 budgetTake-home pay → needs, wants & savings, compared with your spending
• ☂Emergency fundHow many months of spending to keep & how long to get there
• 🏖FIRE (financial independence)FIRE number & years to get there
• 🏘Rent or buy a homeBuyer vs renter net worth year by year
• 🔄RefinanceMonthly saving, interest saved & break-even month
• 📊Inflation (CPI)Ringgit value then & now from the official CPI
• ⏩Future valueCompound savings & today's buying power
• ⚖Faraid calculatorEach heir's share, Baitulmal & 'awl