What must be paid before dividing the estate?
In this order: reasonable funeral costs, debts (including any dowry still owed), then bequests within one third. The heirs divide what remains (Surah An-Nisa, verses 11 and 12: “after any bequest or debt”).
The schools differ on debts owed to Allah (unpaid zakat, obligatory pilgrimage): paid from the estate according to the Shafi‘is and Hanbalis, only if the deceased asked for it (and within one third) according to the Hanafis and Malikis.
The rules
Can one make a will (wasiyya) in Islam?
Yes, and it is recommended: “A Muslim who has something to bequeath should not spend two nights without having his will written down with him” (al-Bukhari, no. 2738).
A bequest is limited to one third of the estate: the Prophet ﷺ told Sa‘d ibn Abi Waqqas: “one third, and one third is a lot; leaving your heirs rich is better than leaving them in need” (al-Bukhari, no. 2742). It cannot benefit an heir: “no bequest for an heir” (Abu Dawud, no. 2870).
A will is also used to acknowledge debts, leave instructions and make a bequest to relatives who do not inherit (grandchildren, a fostered child, charities).
The will
Can one bequeath more than one third, or bequeath to an heir?
According to the four schools, such a bequest is only valid if the heirs accept it after the death; each can only accept for his own share, and only if he is an adult of sound mind.
Can one give away one’s property during one’s lifetime?
Yes: a person in good health may give away his property. Towards his children he must be fair: the Prophet ﷺ refused to witness a father’s gift to only one of his children and told him: “fear Allah and be fair between your children” (al-Bukhari, no. 2587; Muslim, no. 1623).
A gift made during one’s final illness is treated as a bequest according to the majority of scholars: limited to one third and of no benefit to an heir, unless the others agree.
Can one divide one’s estate before death?
Inheritance only exists at death: before it, there are no heirs. What is called “dividing during one’s lifetime” is a gift, subject to the rules on gifts (see above). Shares received this way do not replace the division of what remains at death.
Can the heirs divide the estate differently, equally for example?
After the death, each adult heir of sound mind can give away all or part of his share, or agree with the others on another division: this is a gift of his share (or an arrangement called takharuj). A minor’s share cannot be waived.
When should the estate be divided?
The estate belongs to the heirs from the moment of death, once costs, debts and bequests are settled. There is no required waiting period; delaying the division without reason can wrong heirs, especially orphans. One must, however, wait for an expected birth, or for news of a missing person, for the share that depends on it.