Is it a sin to save money in islam for the education and the marriage of ur child ,to buy a house and for the retirement? After giving all the zakaat and sadqa due on a person in a year.

All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad is His slave and Messenger.

It is permissible for a Muslim to save whatever amount of permissible money he wishes as long as he pays the Zakat on it. Allaah Says (what means): {And those who hoard gold and silver and spend it not in the way of Allaah — give them tidings of a painful punishment.}[Quran 9:34]. This means that if one pays the Zakat on his wealth, he is not sinful for accumulating it. Ibn 'Umar said: “I do not care, if I owned as much as the mountain of Uhud of gold, as long as I know its amount and I pay Zakat on it, and I spend from it in the obedience of Allaah.” Al-'Atheem Abaadi said: "To conclude, what is meant by hoarding gold and silver is preventing the payment of Zakat on it, and it does not refer at all to saving money."

For more benefit on the conditions of Zakat, please refer to Fataawa 85396 and 84335.