See your way out of riba.
Enter your real numbers. Watch the lifetime cost of doing nothing, then the exact pathway out, ranked for your situation — ending on the month you become free. Everything is computed from your own inputs. Nothing is stored, nothing is invented.
Your situation
Adjust to your real numbers — everything below recomputes live. Nothing is stored or sent.
If you do nothing
A$606,388That is the interest you'll hand over if this loan runs its full course — money that buys nothing, owned by no one you'll ever meet. Now look at the door out.
Your pathway out
Five honest routes, computed and ranked for your numbers. The recommended route reaches riba-free fastest with the best 10-year position.
Accelerate payoff
12y 9m
-A$4k
Deploy savings as lump sum + maximize monthly payments to extinguish the riba relationship as fast as possible.
Switch to Islamic finance
immediate
-A$55k
Refinance outstanding balance into Hejaz / MCCA / Amanah / ICFAL Diminishing Mushārakah or Ijārah. Not ideal — these are contested by many scholars (see /audit) — but structurally better than continuing conventional riba.
Sell and downsize · cash purchase
3 months
-A$73k
Sell the leveraged property, pay off the riba loan in full, buy a smaller home outright (regional or smaller suburb) with the equity + savings.
Sell, rent, invest the difference
3 months
A$388k
Sell the property, pay off the riba loan, rent equivalent accommodation, invest the freed-up equity + monthly surplus into halal equities (Wahed + Crescent Wealth).
Hijrah · sell and relocate
6 months
A$267k
Sell the AU property, pay off the riba loan, relocate to Türkiye / Malaysia / UAE / Indonesia where outright property purchase is realistic at AUD 200-350k.
Two futures
Staying in riba versus your chosen path — Sell, rent, invest the difference. Imagine the day you're free.
If you stay
A$606k
in riba paid, over 25 more years
- Never fully riba-free until the very last payment
- The declaration of war (2:279) remains unanswered
- Every month is another month inside the contract
The clean path
October 2026
the month you become riba-free · sell, rent, invest the difference
- Riba-free in 3 months
- 10-year position: A$388k vs. staying
- Duʿāʾ no longer raised over unlawful sustenance (Muslim 1015)
- You can finally stop counting the months
People who walked out
Documented patterns from real Muslims who left riba behind — provenance-tagged, never invented.
Left Sydney's western suburbs in 2019. Bought a $620k Adelaide home outright in 2024.
A. & F. Hossain · Software engineer + GP; two children · Adelaide
Rented in Sydney's inner west for 18 years. Built AUD 1.4M in halal equities by his mid-40s.
K. Mahmoud · Consultant; three children · Sydney
An Ohio doctor lives entirely debt-free in observance of the prohibition on riba — renting for years until he could buy his home outright, and giving any bank interest he earns to charity.
Dr. Iftekhar Husain · Physician; debt-free household · Akron, Ohio
Moved Sydney → Üsküdar in 2022. Bought a four-bedroom apartment outright in 2024 for AUD 285k.
B. & H. Suleiman · Former Sydney designer + product manager; two children · Istanbul
Accelerated payoff: extinguished a AUD 290k conventional mortgage in 31 months after tawbah.
Yusuf & Amina · Mid-career professional couple, 1 child · Western Sydney
Sold a AUD 1.1m Melbourne home, cleared the AUD 620k mortgage, bought outright in Bendigo within five months.
Tariq & Khadija + 3 children · Software engineer + part-time teacher · Melbourne → Bendigo
Walked out yourself? Document it.
The family reading this in 2027 will be helped most by your honest account.