Is it permissible for the wife to save some of her money and her husband’s money without him knowing?

Firstly:

If the man gives
his wife a certain amount of money to spend on the housekeeping, and she is
able to manage it well and save some of this money to use in the future,
then there is nothing wrong with this; rather she is to be thanked for doing
it, but that is subject to certain conditions:

1.

That this does
not involve deceiving or lying to the husband, such as if she asks him for
things that she does not need, then she does not buy them and saves that
money instead, or she asks for more than she needs, then only buys part of
it and saves the rest of the money. That comes under the heading of lying
and deceit, and is not permissible.

2.

That no
constraint should be caused to the husband and children as a result of that
saving, because the husband only gave her that money to spend on what the
household needs.

3.

That this saving
should be in the interests of the family as a whole, not for her personal
interests, or to spend it on things that the husband does not approve of.

4.

The husband
should not have any objection to her saving his money, because the money
belongs to him and he is free to dispose of it as he wishes.

If these
conditions are met, then there is nothing wrong with what she is doing;
rather it comes under the heading of good management.

As for her
savings from her own salary, there is nothing wrong with that, because the
salary belongs to her and does not belong to the husband, and she may
dispose of it however she wishes.

This has been
discussed previously in the answers to questions no.
21684 and 48952.

And Allah knows
best.