Zakat Calculator
Work out the zakat due on your wealth in a few steps. Enter today's gold and silver prices in your currency, add your savings, gold, silver, investments and business assets, and subtract debts that are due now. The calculator checks your net wealth against the nisab and shows the 2.5% to pay.
Zakat calculator
Your result
- Gold value
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- Silver value
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- Total zakatable assets
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- Minus liabilities
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- Net zakatable wealth
- –
- Nisab threshold
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Zakat due (2.5%): –
Enter the metal price for your chosen nisab standard and your assets to see the result.
All calculations happen in your browser. Nothing you enter is stored or sent anywhere.
Please note: This calculator gives a general estimate based on widely followed rules for zakat on money, gold, silver and trade goods. Situations such as business partnerships, pensions, shares, property investments, agricultural produce and livestock have detailed rulings on which scholars differ. Please consult a qualified scholar or a trusted zakat organisation before relying on the result.
How zakat on wealth is calculated
- Choose your zakat date. Zakat is due once a full lunar year has passed while your wealth is at or above the nisab. You can find the Hijri date for any day with our Hijri date converter.
- Add up your zakatable assets on that date: cash and bank balances, gold and silver, investments, business stock, and money owed to you that you expect to receive.
- Subtract liabilities that are due now, such as overdue bills and currently payable instalments.
- Compare with the nisab. Multiply 85 g by the gold price or 595 g by the silver price.
- Pay 2.5% (one-fortieth) of your net zakatable wealth if it is at or above the nisab.
Worked example
The prices below are round numbers chosen for illustration only; they are not current market prices.
| Cash and savings | 9,000 |
| Gold: 20 g of 22k at 100 per gram of pure gold (20 × 22/24 × 100) | 1,833.33 |
| Total zakatable assets | 10,833.33 |
|---|---|
| Minus debts due now | −1,000 |
| Net zakatable wealth | 9,833.33 |
| Nisab (silver): 595 g × 1.2 | 714 |
| Nisab (gold): 85 g × 100 | 8,500 |
| Zakat due: 2.5% × 9,833.33 | 245.83 |
In this example the net wealth of 9,833.33 is above both the silver nisab (714) and the gold nisab (8,500), so zakat of 245.83 is due under either standard. If the net wealth had been 5,000, it would be above the silver nisab but below the gold nisab, which is why the choice of standard matters.
What is zakat?
Zakat is the obligatory annual charity on wealth and one of the five pillars of Islam. The word means both "purification" and "growth": giving it purifies the remaining wealth and the giver's heart, and it supports the poor and others in need. The Quran mentions it together with prayer many times.
وَأَقِيمُوا۟ ٱلصَّلَوٰةَ وَءَاتُوا۟ ٱلزَّكَوٰةَ وَٱرْكَعُوا۟ مَعَ ٱلرَّٰكِعِينَ
Establish worship, pay the poor-due, and bow your heads with those who bow (in worship).
خُذْ مِنْ أَمْوَٰلِهِمْ صَدَقَةًۭ تُطَهِّرُهُمْ وَتُزَكِّيهِم بِهَا وَصَلِّ عَلَيْهِمْ ۖ إِنَّ صَلَوٰتَكَ سَكَنٌۭ لَّهُمْ ۗ وَٱللَّهُ سَمِيعٌ عَلِيمٌ
Take alms of their wealth, wherewith thou mayst purify them and mayst make them grow, and pray for them. Lo! thy prayer is an assuagement for them. Allah is Hearer, Knower.
Who receives zakat
Zakat is distributed to the eight categories named in Surah at-Tawbah:
۞ إِنَّمَا ٱلصَّدَقَٰتُ لِلْفُقَرَآءِ وَٱلْمَسَٰكِينِ وَٱلْعَٰمِلِينَ عَلَيْهَا وَٱلْمُؤَلَّفَةِ قُلُوبُهُمْ وَفِى ٱلرِّقَابِ وَٱلْغَٰرِمِينَ وَفِى سَبِيلِ ٱللَّهِ وَٱبْنِ ٱلسَّبِيلِ ۖ فَرِيضَةًۭ مِّنَ ٱللَّهِ ۗ وَٱللَّهُ عَلِيمٌ حَكِيمٌۭ
The alms are only for the poor and the needy, and those who collect them, and those whose hearts are to be reconciled, and to free the captives and the debtors, and for the cause of Allah, and (for) the wayfarer; a duty imposed by Allah. Allah is Knower, Wise.
What counts as zakatable wealth?
Usually included
- Cash in hand and money in bank accounts
- Gold and silver (bullion, coins, and jewellery according to some scholars)
- Shares and investment funds (methods vary)
- Business stock and goods held for sale
- Money owed to you that you expect to be repaid
- Property bought with the intention of reselling it
Usually not included
- Your home and personal car
- Furniture, clothes and household items
- Tools and equipment used to run a business
- Rental property itself (the saved rental income is included)
- Money that has not yet been in your possession for a lunar year above nisab
Frequently asked questions
What is the nisab for zakat?
Nisab is the minimum amount of wealth a Muslim must own before zakat becomes due. It is based on 20 mithqal of gold or 200 dirhams of silver (Sunan Abi Dawud 1573; Sahih al-Bukhari 1405), which are commonly converted to about 85 grams of gold or 595 grams of silver. Some scholars use slightly different conversions, such as 87.48 g of gold and 612.36 g of silver. Multiply the weight by today's price per gram to get the nisab in your currency.
Should I use the gold or the silver nisab?
Both are recognised. Because silver is much cheaper than gold today, the silver nisab is far lower, so more people pay zakat under it. Many scholars and zakat organisations recommend the silver standard as more beneficial for the poor, while others consider the gold standard more representative of a meaningful amount of wealth today. Follow the guidance of a scholar you trust.
When is zakat due?
Zakat on wealth is due when your zakatable wealth has stayed at or above the nisab for one full lunar (Hijri) year, called the hawl. Many people pick a fixed Hijri date, such as a date in Ramadan, and calculate their zakat on that day every year.
Why is zakat 2.5%?
For money, gold, silver and trade goods, the rate taught in the Sunnah is one-fortieth, which is 2.5% (Sahih al-Bukhari 1454; Sunan Abi Dawud 1573). Other categories, such as crops and livestock, have different rates and are not covered by this calculator.
Do I pay zakat on my house or car?
Generally no. Items for personal use, such as your home, car, furniture and clothing, are not zakatable. Property or goods bought to resell are treated as trade goods, and rental income becomes zakatable once it is saved as cash.
Can I deduct my mortgage or long-term loans?
Scholars differ on debts. A common contemporary approach is to deduct only the payments that are currently due, such as this month's instalment and outstanding bills, rather than the entire balance of a long-term loan. Ask a scholar if you have large long-term debts.
Who can receive zakat?
The Quran names eight categories of recipients in Surah at-Tawbah (9:60), including the poor, the needy, those in debt, travellers in need, and those working to collect and distribute zakat. Zakat cannot generally be given to one's own parents, children or spouse, whom one is already responsible for supporting.
Is this the same as zakat al-fitr?
No. Zakat al-fitr is a small, fixed charity paid per person before the Eid al-Fitr prayer at the end of Ramadan. This calculator is for the annual zakat on wealth (zakat al-mal).
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