Zakat Calculator
Calculate zakat at 2.5% on cash, gold, silver, investments and business assets minus debts, with nisab threshold check (87.48g gold / 612.36g silver).
About the Zakat Calculator
This zakat calculator totals your zakatable wealth — cash in hand and bank, gold and silver at market value, shares and investments, business stock, and money owed to you — subtracts your immediate debts, and works out zakat at the standard rate of 2.5% of the net amount. Enter values in any currency.
Zakat becomes obligatory when your net wealth stays at or above the nisab for one full lunar year (hawl). Nisab is defined as the value of 87.48 grams of gold or 612.36 grams of silver; many scholars recommend using the lower silver nisab so more wealth qualifies for charity. Enter today's nisab value in the optional field and the tool tells you whether zakat is due.
The calculator runs entirely in your browser — nothing you enter is stored or sent anywhere — making it a private way to work through your annual zakat in Ramadan or any month you have fixed as your zakat anniversary.
How to Use the Zakat Calculator
- 1Enter the current value of each asset: cash and bank balances, gold, silver, investments, business stock and receivables.
- 2Enter debts and liabilities that are due immediately.
- 3Optionally enter today's nisab value (price of 87.48 g gold or 612.36 g silver in your currency).
- 4Read your net zakatable assets and the zakat due at 2.5%.
Frequently Asked Questions
How is zakat calculated?
Add up all zakatable assets — cash, bank balances, gold and silver at today's market value, shares and funds, business inventory, and money reliably owed to you — then subtract debts due now. If the net amount is at or above the nisab and has been held for one lunar year, zakat is 2.5% of the whole net amount, not just the part above nisab.
What is nisab and how much is it?
Nisab is the minimum wealth at which zakat becomes obligatory: the value of 87.48 grams of gold or 612.36 grams of silver. Because metal prices move daily, nisab is not a fixed currency figure — look up today's gold or silver price, multiply by the gram weight, and enter that value in the calculator. Many scholars prefer the lower silver nisab as it benefits the poor.
Do I pay zakat on gold jewellery I wear?
Scholars differ. The Hanafi school holds that all gold and silver jewellery is zakatable regardless of use, which is the safer and most widely applied opinion in South Asia. Some other schools exempt jewellery in regular personal use. Value your gold at today's market price for its weight and purity, and follow the ruling of the scholars you trust.
Is zakat due on my salary, savings or retirement funds?
Zakat is due on wealth you hold, not income as it arrives. Whatever remains of your salary as savings on your zakat anniversary is included with your cash. For provident and retirement funds, many scholars require zakat on amounts you can access; opinions differ on locked funds like unvested pensions, so consult a scholar for your specific scheme.
Which debts can I deduct before calculating zakat?
Debts payable immediately or within the coming year — credit card balances, bills due, borrowed money, this year's instalments of a loan — are generally deductible. Most scholars say you should not deduct the entire outstanding balance of a long-term mortgage, only the payments currently due. Deducting the full mortgage could wipe out zakat for decades, which defeats its purpose.
When should I pay zakat — does it have to be Ramadan?
Zakat is due one lunar year after your wealth first reached nisab, and annually on that same date thereafter — any month works. Many Muslims choose Ramadan because rewards for good deeds are multiplied and the date is easy to remember, which is fine as long as you do not delay payment beyond your actual due date.