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الحمد لله والصلاة والسلام على رسول الله

Both Zakah and Hajj only become obligatory depending on one's finanial situation.

Zakah becomes Fard (obligatory) if a sane Muslim adult possesses the Nisab amount, which is 87.48 grams of gold or 612.36 grams of silver, and it must be in one's possession for one lunar calendar year.

Hajj does not become obligatory if one does not possess enough money to cover the costs of Hajj, including going to and coming from Makkah, and also once you return you should have enough money for your daily expenses.

And Allah Ta'ala knows best

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Q: Which on of the 5 pillars of Islam is optional due to a person income?
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