Subtract debts from your assets (cash, gold, silver, investments) and, if you're above the nisab (value of 85g gold or 595g silver), compute Zakat at 2.5%. Gold and silver prices are fetched automatically, with manual entry as a fallback.
Zakat is 2.5% of surplus wealth held for one lunar year. Whether you owe it at all depends on which nisab you use: the silver threshold works out lower than the gold one, so it brings more people into scope — which many scholars prefer, since it favours charity.
Income tax applies to what you earned over a year. Zakat applies to what is still there after a year. A large salary spent in full attracts none; no income at all still attracts zakat if your holdings exceed the nisab.
The timing matters as a result. Zakat is assessed on your net wealth on your zakat anniversary — the balance on that single day, not an average across the year.
It is one of the five pillars and an obligation rather than charity. The share belongs to eight specified categories of recipient (Qur'an 9:60), so giving to any cause you like does not discharge it.
The nisab is the threshold at which zakat becomes due: the current market value of 85 grams of gold (20 mithqal) or 595 grams of silver (200 dirhams).
In the Prophet's time the two were worth roughly the same. They have diverged sharply since, and the silver threshold now sits far below the gold one — so using silver brings many more people into scope.
Scholars differ. Those favouring silver invoke the principle of choosing what benefits the recipient, together with the majority Hanafi position. Those favouring gold argue that silver's real purchasing power no longer resembles what it once was.
This calculator shows both. Which one binds you is a question for your madhhab or the scholar you consult.
Zakat falls due after your wealth has stayed above the nisab for one lunar year, or hawl. A lunar year is about 354 days, eleven shorter than a solar one.
The majority view is that dipping briefly below the nisab mid-year does not reset the hawl: what matters is being above it at the start and at the end.
Many people fix the same date each year — the first of Ramadan is a common choice. It is easy to remember and the hawl then takes care of itself.
Using a solar year instead skips a payment roughly once every 33 years. Some scholars therefore suggest 2.577% rather than 2.5% for anyone calculating on the Gregorian calendar.
Included: cash and bank balances; gold and silver (whether worn jewellery counts varies by school); shares and investments held for sale; business inventory; loans you expect to be repaid; net rental income.
Excluded: the home you live in, the car you drive, the clothes you wear, household furniture, and the equipment your business operates with — those are means of production, not stock.
Contested: shares held for the long term are treated by some as zakatable only on the underlying cash and receivables, by others at full market value. Pension accounts turn on whether the funds are accessible.
Debts are deductible, but only what is immediately due. Subtracting an entire thirty-year mortgage balance would exempt almost everyone, so the common treatment is to deduct only the instalments falling due that year.
This calculator fetches international gold and silver prices to convert the nisab into your currency, and falls back to manual entry if the lookup fails.
Those prices are for pure 24-carat metal per ounce. Jewellery at 18K or 22K needs to be multiplied by its purity: 75% and 91.6% respectively.
Even if you paid a retail price that included craftsmanship, zakat is calculated on the market value of the metal by weight. Workmanship is not gold.
Qur'an 9:60 names eight categories: the poor, the needy, those employed to collect and distribute zakat, those whose hearts are to be reconciled, freeing those in bondage, the debt-burdened, those in the path of God, and the wayfarer.
You generally may not give zakat to your parents, children or spouse — people you already owe maintenance to. Siblings and other relatives are permitted and often encouraged.
Whether mosque construction or general charitable giving discharges zakat is disputed. Check that an organisation accepts and distributes funds as zakat before giving.
One of the five pillars of Islam: an obligatory annual alms of 2.5% on qualifying wealth held for a lunar year, once it exceeds the nisab.
By the current value of 85g of gold or 595g of silver. The silver nisab is lower and more inclusive; scholars differ on which to use.
Generally cash, savings, gold, silver, investments, and business inventory. Your primary residence and everyday personal belongings are typically excluded, though exact rules can vary by school of thought.
No. This calculates zakat al-mal, the 2.5% due on wealth you've held for a lunar year. Zakat al-Fitr is a separate, fixed amount per household member paid before the Eid prayer, and its value is set locally from the price of a staple food.
Yes — money saved in a pilgrimage fund is wealth you own, so it belongs in the savings field along with your other cash. One caveat: some funds, Tabung Haji among them, already pay zakat on depositors' balances on their behalf. Check your statement first so you don't pay twice.
What this tool bases its numbers on, and how far those numbers go.
Net wealth = zakatable assets − immediately due liabilities. Nisab = current value of 85 g gold or 595 g silver. If net wealth ≥ nisab and one lunar year has passed, zakat = net wealth × 2.5%.At a gold price of 100 per gram, the gold nisab is 85 × 100 = 8,500. Net wealth of 12,000 gives zakat of 12,000 × 0.025 = 300.