đ Zakat Calculator
Calculate your Zakat (2.5%) on savings, gold, silver, and investments based on the Nisab threshold. Free and accurate.
đ° Your Assets
đ Deductions
What is the Zakat Calculator?
Zakat is one of the Five Pillars of Islam â an obligatory annual payment of 2.5% on wealth that exceeds the Nisab threshold and has been held for one full lunar year (Hawl). This calculator totals your Zakatable wealth â cash, gold, silver, investments, business inventory, and receivables â subtracts any debts you owe, compares the result to the Nisab threshold in your chosen currency, and tells you whether Zakat is due and how much.
How to Use It
Choose your currency and whether you want the Nisab calculated on the gold or silver standard, then enter your assets: cash and bank balances, the current market value of gold and silver you hold, investments, business inventory, and money owed to you. Enter any debts you owe as a deduction, and optionally update the gold and silver price per gram for today's rates. The result shows your total zakatable wealth, the Nisab threshold, and your Zakat due if applicable.
When to Use It
Use it once a lunar year has passed since your wealth first reached the Nisab threshold, commonly checked and paid during Ramadan. It's also useful any time during the year to check whether your current savings have crossed the Nisab line, or to plan ahead for how much Zakat you'll owe.
Who Benefits
Muslims calculating their annual Zakat obligation, especially those with savings, gold or silver holdings, investments, or business inventory, benefit from having every asset type totaled in one place. Most scholars recommend the silver standard for Nisab since it sets a lower threshold, making Zakat obligatory for more people and benefiting more of the poor and needy. This calculator provides an estimate â for complex situations like business partnerships or agricultural Zakat, consult a qualified Islamic scholar.
How the Calculation Goes
Zakat is generally 2.5% of your net zakatable wealth, if that wealth is above the nisab and has been held for one lunar year. This tool offers two nisab standards: silver (612.36 g), which is the lower threshold, and gold (87.48 g), which is higher. Scholars and institutions differ on which to use, so follow the guidance you normally follow.
Worked Example
These figures are illustrations, and you should use the current gold price for your country. Assume gold is 300 per gram. The gold nisab is then 87.48 × 300 = 26,244.
- Cash and savings: 40,000
- Gold held for investment: 8,000
- Debts due soon: 5,000
- Net wealth: 40,000 + 8,000 − 5,000 = 43,000, which is above 26,244.
- Zakat due: 43,000 × 2.5% = 1,075.
If net wealth were 20,000, it would be below that nisab, and no zakat would be due under the gold standard.
Points to Check
- Use the value on your zakat date, not the date you bought an asset.
- Deduct only debts that are due soon, as the calculator's deduction section asks, not the whole of a long mortgage.
- Personal-use items, such as your home and car, are generally not included, but business stock and investments usually are.
This is a calculation aid, not a religious ruling. Ask a qualified scholar about your case. See our guide to calculating zakat in the UAE.