Zakat Calculator

A Zakat calculator works out your annual obligatory charity in Islam — 2.5% of your net zakatable wealth, paid once a lunar year if your assets exceed the nisab threshold. Instead of trying to add up cash, gold, silver, savings, investments and business inventory in your head, you enter each figure and the calculator handles the maths, the nisab comparison, and the final amount due. It's the fastest way to confirm whether Zakat is owed this year, and exactly how much you should give.

On your Zakat anniversary — the lunar date your wealth first crossed the nisab — total up everything you own that qualifies: physical cash, current and savings accounts, the market value of any gold and silver, stocks and crypto held for investment, business stock, and money you've loaned that's expected back. Then subtract debts that are due now. If what's left meets or exceeds the nisab (the value of 87.48g of gold or 612.36g of silver, whichever you follow), you owe 2.5% of that net amount as Zakat. This calculator applies the formula automatically so you can model different scenarios — adding inventory, subtracting a loan — and see how each affects the amount you owe.

The nisab is the minimum threshold of wealth that triggers Zakat. The Prophet ﷺ set two reference amounts: 87.48 grams of gold or 612.36 grams of silver. Because silver has fallen in price relative to gold over centuries, the silver nisab is much lower in modern currency — typically a few hundred dollars — while the gold nisab is several thousand. Most contemporary scholars and major Zakat institutions (NZF, Islamic Relief) recommend the silver nisab because it captures more eligible payers and means Zakat reaches more recipients in need. This calculator lets you switch between the two so you can see both results.

Zakatable assets include: cash in hand, bank balances and savings, gold and silver in any form (the Hanafi position includes all jewellery; other schools exempt jewellery in personal use), shares and investment funds held for growth, cryptocurrency, business inventory at sale value, and reliable receivables. Excluded items typically include your primary residence, personal vehicle, household furniture, clothes, and the tools of your trade. Pension and retirement accounts are debated — workplace pensions you can't access yet are often excluded, while accessible retirement savings are usually counted.

You can deduct debts that are immediately due: this month's bills, outstanding credit-card balances, short-term personal loans, and rent owed. Long-term debts like a 25-year mortgage are treated differently — most scholars allow you to deduct only the upcoming year's payments, not the full outstanding balance, on the basis that the rest isn't yet due. Business loans tied to inventory you're already counting as an asset can be netted off. When in doubt, deduct conservatively — over-deducting reduces the Zakat that reaches recipients.

Zakat is paid once per lunar year, on your personal Zakat anniversary — the date your wealth first reached the nisab and stayed above it. Many Muslims choose to pay during Ramadan because the spiritual reward is multiplied, and then keep that date as their annual marker. You can pay it in one lump sum or split across the year, as long as the full amount for the year is given. The recipients are defined in Surah At-Tawbah (9:60): the poor, the needy, those administering Zakat, those whose hearts are to be reconciled, those in bondage, the debt-ridden, in the path of God, and the wayfarer.