Zakat Calculator
Calculate your annual Zakat obligation based on savings, gold, silver, business assets and investments. Uses the Nisab threshold (gold or silver standard) with an automatic 2.5% Zakat rate.
Zakat Settings
Configure Nisab standard and live metal prices
Nisab Standard
💡 Silver standard is generally more inclusive — more people qualify for Zakat obligations. Most scholars accept both; consult your local scholar if unsure.
Nisab (87.48g): $7,873.20
Nisab (612.36g): $642.98
Zakatable Assets
Include all assets held for one lunar year (Hawl)
💵 Cash & Savings
Cash on Hand
Physical cash at home / in wallet
Bank Savings
All savings & current accounts
🥇 Gold & Silver
Gold (grams)
Bullion, coins — not jewellery for personal use
Gold Jewellery (grams)
Only excess jewellery above personal use
Silver (grams)
Bullion, coins, silverware
🏭 Business & Investments
Business Stock / Inventory
Market value of goods held for sale
Business Receivables
Amounts owed to you (likely to be paid)
Investments / Shares
Market value of stocks, funds, crypto
Rental Income (annual)
Net rental income received this year
Money Lent to Others
Loans you expect to be repaid
Liabilities (Deductions)
Only short-term debts due within the lunar year are deductible
Short-term Debt
Credit card, loans due within the year
Rent / Bills Due
Outstanding rent or utility bills due now
Other Payables
Other short-term obligations
Nisab Threshold — Gold Standard
Nisab value: $7,873.20 (87.48g gold)
Total Assets
$24,500.00
Total Liabilities
$0.00
Net Zakatable
$24,500.00
Annual Zakat Due
$612.50
2.5% × $24,500.00 net zakatable wealth
$51.04
Monthly
$153.13
Quarterly
$612.50
Annual
Asset Breakdown
2.5% Zakat per category
Cash & Bank Savings
$20,000.00
Gold
$4,500.00
☪️ Zakat Summary
Zakat Due (2.5%)
$612.50
Alhamdulillah — above Nisab
Asset Composition
📌 Important Reminders
• Zakat is due on wealth held for a full lunar year (Hawl).
• Long-term property (not for trade) is generally exempt.
• Personal jewellery rules vary — consult your scholar.
• Zakat on business = stock + receivables − payables × 2.5%.
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Try TradingForms Free →The Third Pillar of Islam
What is Zakat?
Zakat is the third pillar of Islam — an obligatory annual payment of 2.5% on qualifying wealth held for one lunar year. It purifies wealth and supports those in need.
What is Nisab?
Nisab is the minimum threshold of wealth above which Zakat becomes obligatory. It equals 87.48g of gold or 612.36g of silver — whichever is chosen as the standard.
What is Hawl?
Hawl is the one lunar year that wealth must be held before Zakat is due. Your wealth must remain above Nisab for the entire Hawl period.
What is exempt from Zakat?
Personal homes, cars, and household items are generally exempt. Personal jewellery rules vary by school of thought. Long-term investment property (not for trade) is usually excluded.
Simple & transparent
Add all Zakatable Assets
Cash + Gold + Silver + Business + InvestmentsInclude all wealth held for the full Hawl (lunar year)
Deduct Short-term Liabilities
Total Assets − Debts due this yearOnly debts payable within the lunar year are deductible
Check against Nisab
Net Wealth ≥ Nisab threshold?If below Nisab, no Zakat is owed this year
Calculate 2.5% Zakat
Zakat = Net Zakatable Wealth × 2.5%Pay to eligible recipients (the 8 categories)
The 8 eligible categories
As defined in the Quran (Surah At-Tawbah 9:60), Zakat must be distributed among these eight categories of recipients:
The Poor (Al-Fuqara)
Those without means of livelihood
The Needy (Al-Masakin)
Those with insufficient income
Zakat Administrators
Those who collect & distribute
Those Whose Hearts to Reconcile
New Muslims or those inclined toward Islam
Freeing Slaves
Historical — buying freedom
The Debt-ridden
Those unable to pay their debts
In the Cause of Allah
Defense & community welfare
The Wayfarer (Ibn Sabil)
Stranded travelers in need
Scholarly Disclaimer
This calculator provides a general estimate based on widely accepted Zakat rulings. Specific rulings on gold jewellery, business assets, shares, cryptocurrency, and pension funds may vary between madhabs (schools of Islamic jurisprudence). We recommend consulting a qualified Islamic scholar or your local Zakat authority for complex cases or any uncertainty.
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