Zakat Calculator

The Zakat Calculator works out how much Zakat you owe — the obligatory Islamic charity of 2.5% levied on the wealth you have held for one lunar year, but only once that wealth crosses the Nisab threshold. Enter your cash, gold, silver, business assets, investments and money owed to you, subtract your immediate debts, and the tool compares your net wealth against both the gold and silver Nisab standards using metal prices you can edit to today's rates.

What is Zakat?

Zakat is the third pillar of Islam — a yearly act of worship in which Muslims give a fixed share of their qualifying wealth to those in need. Unlike voluntary charity (sadaqah), Zakat is obligatory for every adult Muslim whose net wealth exceeds the Nisab and has been held for a full lunar year. It purifies wealth, supports the poor, and redistributes resources within the community.

Zakat Formula

Calculating Zakat is a short, three-part process: total your zakatable assets, subtract immediate liabilities, then apply the 2.5% rate if your net wealth meets the Nisab.

What is the Nisab?

The Nisab is the minimum amount of wealth a person must own before Zakat becomes obligatory. It is defined by two classical standards:

• Gold Nisab: the value of 87.48 grams of gold (20 mithqal).
• Silver Nisab: the value of 612.36 grams of silver (200 dirham).

Because the price of silver per gram is far lower than gold, the silver Nisab produces a much smaller monetary threshold. Many contemporary scholars recommend using the silver Nisab precisely for that reason: a lower threshold means more people qualify to pay, and more charity reaches the poor. The gold Nisab is also widely followed, especially by those who hold little or no silver. This calculator shows both standards so you can follow the scholarly opinion you adopt.

Which Assets Are Zakatable?

Gold vs Silver Nisab Comparison

The two Nisab standards can lead to different outcomes for the same person. If your net wealth sits between the silver and gold thresholds, you would owe Zakat under the silver standard but not under the gold one. The calculator highlights exactly where your wealth falls relative to both lines so the choice is transparent.

What Affects Your Zakat?

How to Use This Calculator

1. Set your currency and metal prices: Pick your currency and enter today's gold and silver price per gram so the Nisab is accurate.
2. Enter your assets: Add cash, gold and silver weights, business assets, investments and money owed to you.
3. Subtract liabilities: Enter immediate debts and bills due to find your net zakatable wealth.
4. Review your Zakat: See whether your net wealth meets the Nisab on the visual gauge and how much Zakat is due at 2.5%.

Frequently Asked Questions

What is Zakat?

Zakat is the third pillar of Islam, an obligatory annual charity of 2.5% of a Muslim's net zakatable wealth that has been held for one lunar year. It is paid only when that wealth meets or exceeds a minimum threshold called the Nisab.

How much is Zakat?

Zakat on money and tradeable wealth is 2.5%, which is one fortieth of the total. So for every 1,000 of net zakatable wealth above the Nisab, 25 is due as Zakat.

What is the Nisab?

The Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes due. It is set at the value of 87.48 grams of gold or 612.36 grams of silver. If your net wealth is below the Nisab, no Zakat is owed.

Should I use the gold or silver Nisab?

Many contemporary scholars recommend the silver Nisab because it has a lower monetary value, so more people qualify and more charity reaches those in need. The gold Nisab gives a higher threshold. This calculator shows both so you can follow the opinion you choose.

Which assets are subject to Zakat?

Zakatable assets include cash in hand and in bank accounts, gold and silver, business merchandise and inventory, shares and investments held for trade, cryptocurrency, and money you are owed and expect to receive. Immediate debts and liabilities are deducted before applying the 2.5% rate.

What does Hawl mean?

Hawl is the requirement that your wealth has been in your possession for one full lunar year (about 354 days). Zakat is calculated on the wealth you hold on your Zakat anniversary, provided it has met or exceeded the Nisab throughout the year.

Additional Resources

• Zakat - Wikipedia
• Nisab - Wikipedia