Zakat Calculator

What is the zakat calculator?

Zakat is one of the five pillars of Islam: an annual, obligatory payment of a fixed share of qualifying wealth, given to those eligible to receive it. It is due from a Muslim adult of sound mind whose net Zakatable wealth stays at or above a minimum threshold, called the Nisab, for one lunar (Hijri) year. This calculator adds up your Zakatable assets, subtracts your immediate liabilities, compares the result to the Nisab, and — if you are liable — applies the standard rate of 2.5% (one-fortieth). Everything runs locally in your browser; none of the figures you enter are uploaded, saved or shared. It is a calculation aid to help you estimate your Zakat, not a religious ruling.

How it works

The Nisab is the minimum amount of wealth that makes Zakat obligatory, and it is defined by the market value of a set weight of precious metal: about 87.48 grams of gold, or about 612.36 grams of silver. Because it is tied to metal prices, the Nisab value in your currency changes as those prices move — so you enter today's local gold and silver rate per gram and the tool computes the threshold. Many people use the silver standard because it produces a lower threshold, meaning more wealth becomes eligible for Zakat, which is often considered the more cautious and beneficial choice. Zakatable wealth generally includes cash in hand and in the bank, gold and silver, business stock and inventory, shares and investments held for growth, cryptocurrency, the withdrawable portion of pensions, money owed to you that is likely to be repaid, and property bought to resell. Personal-use items are exempt: the home you live in, your car, furniture, and everyday clothing are not counted. From your total assets you subtract short-term liabilities — debts and bills due within the year — to reach your net Zakatable wealth. If that net figure is at or above the Nisab, Zakat is due at 2.5%; if it is below, no Zakat is owed this year and the tool shows how far short you are.

Worked example

Suppose the silver rate is 2.50 per gram, so the silver Nisab is 612.36 × 2.50 = 1,530.90 in your currency. You hold 4,000 in cash, gold worth 3,000, business inventory worth 2,000, and 1,000 owed to you that you expect to be repaid — total assets of 10,000. You have a credit-card balance of 1,000 due this month, giving net Zakatable wealth of 9,000. Because 9,000 is well above the Nisab of about 1,531, Zakat is due, and 9,000 × 2.5% = 225. If instead your only asset were 1,000 in cash, your net wealth would fall below the Nisab and no Zakat would be due that year. On points where schools of thought differ — such as whether personal-use gold and silver jewelry is Zakatable, or how much of a pension counts — this tool presents the common approach and lets you adjust the figures; for a definitive ruling on your circumstances, consult a qualified scholar.