It is unlawful for a wife to take from her husband’s money without his permission as long as he meets their financial needs. If a wife does this, she has to return the money back to him or his heirs in case of his death.
The eminent Muslim scholar and renowned da`iyahSheikh `Abdel Khaliq Hasan Ash-Shareef says: “It is not allowed for a woman to take money from her husband without his permission. However, if her husband is miserly and does not give her and her children sufficient funds for their maintenance, according to what is customary, then she has the right to take that amount of maintenance from his money for her and her children, as the Prophet (peace and blessings be upon him) said to Hind bint `Utbah when she complained to him that her husband Abu Sufyan was falling short in his spending on her and on her children: “Take what is sufficient for you and your children on a reasonable basis.” (Reported by al-Bukhari) She may not take more than that.
Thus, taking money from a husband who fulfills his duties towards his family without his permission is a wrongdoing that requires repentance by regretting this wrong act, asking forgiveness from Allah Almighty, and returning the money back. In case the husband dies before the money is returned to him, it is considered part of his estate and to be distributed among the heirs according the rulings of inheritance in the Islamic Shari`ah.