Zakat Calculator
Calculate the zakat due on your wealth — 2.5% of your net zakatable assets (cash, gold, silver, savings and investments minus debts) held at or above the nisab threshold for one lunar year.
Updated 2026-06-09 · Free · No sign-up · Runs privately in your browser
What is a zakat calculator?
A zakat calculator works out the obligatory annual almsgiving (zakat) due on your wealth — 2.5% of your net zakatable assets, provided they meet the nisab threshold and have been held for one full lunar (hijri) year. Zakat is the third pillar of Islam, a fixed charitable duty on accumulated wealth rather than a tax on income. This tool removes the guesswork: enter your assets and debts, and it returns both your net zakatable wealth and the exact amount payable in your own currency.
How is zakat calculated?
Zakat is calculated by subtracting your immediate liabilities from your zakatable assets, then taking 2.5% of the result if it is at or above the nisab. The widget uses this exact method:
- Net zakatable wealth =
assets − liabilities(never below 0) - Below nisab? If you enter a nisab value and your net wealth is less than it, zakat = 0
- Zakat due =
net wealth × 0.025(i.e. 2.5%, or one fortieth)
The 2.5% rate is equivalent to dividing by 40. Results are rounded to the nearest whole unit of your currency. Nisab itself is the cash value of 87.48 g of gold or 612.36 g of silver on your zakat date — multiply the grams by the current per-gram market price to get the threshold figure.
What are some worked examples?
Example 1 — typical saver. You hold $10,000 in cash, gold and savings and owe $2,000 on a credit card.
- Net wealth = 10,000 − 2,000 = $8,000
- Zakat = 8,000 × 0.025 = $200
Example 2 — larger portfolio. Assets total $25,400; immediate debts are $4,200.
- Net wealth = 25,400 − 4,200 = $21,200
- Zakat = 21,200 × 0.025 = $530
Example 3 — below nisab. You have $5,000 in assets, $500 in debts, and enter a nisab of $5,000 (using the silver standard).
- Net wealth = 5,000 − 500 = $4,500
- Because 4,500 is below the 5,000 nisab, zakat = $0 — nothing is owed this year.
What is the nisab and how do I find it?
The nisab is the minimum amount of net wealth a person must own before zakat becomes obligatory. It is pegged to a fixed weight of precious metal, so its cash value changes with the gold and silver markets. The table below shows the reference weights and a sample calculation at illustrative prices — always substitute today’s rates.
| Standard | Reference weight | Sample price | Nisab value |
|---|---|---|---|
| Gold nisab | 87.48 g | $80 / g | $6,998 |
| Silver nisab | 612.36 g | $1.00 / g | $612 |
Because the silver nisab is far lower, using it makes more people liable and channels more wealth to the needy — which is why many charities adopt it. Pick one standard and apply it consistently. To find your own figure: nisab = grams × current price per gram.
What counts as zakatable vs exempt wealth?
Zakatable wealth is liquid or growth wealth you have held for a lunar year; personal-use possessions and tools of your trade are exempt. Use this quick reference:
| Zakatable (include) | Exempt (exclude) |
|---|---|
| Cash, bank and digital wallet balances | Your primary residence |
| Gold and silver (jewellery and bullion) | Personal car, clothing, furniture |
| Business stock and inventory for sale | Business equipment and machinery in use |
| Shares, funds and crypto held for growth | Money already spent or genuinely owed out |
| Receivables you expect to collect | Outstanding wages owed to your staff |
For more financial planning around your savings and investments, see our finance calculators, or estimate the long-term growth of money you invest with the SIP calculator. If your income comes from shares, the dividend calculator can help you total the cash you actually received before working out what is zakatable.
What are common mistakes and useful tips?
The most common error is forgetting to deduct only immediate debts, not your entire long-term mortgage. A few practical pointers:
- Set a fixed zakat date. The Islamic (hijri) year is about 11 days shorter than the solar year, so anchoring to a lunar anniversary keeps your timing correct.
- Value everything on the same day. Use the market price of gold, silver and shares as of your zakat date, not when you bought them.
- Don’t double-count. Subtract a debt once; don’t both deduct it and reduce the asset it relates to.
- Round sensibly, then give a little extra. It is better to over-give slightly than to fall short of the obligation.
- Mortgages: most scholars deduct only the next instalment, not the full outstanding balance, so your net wealth isn’t wiped out by a long-term loan.
Limitations and disclaimer
This calculator applies the standard 2.5% method to the figures you enter; it does not issue religious rulings or verify which of your assets qualify. Scholarly opinions differ on edge cases — pensions, agricultural produce, partial-year holdings, mixed business assets and the choice between the gold and silver nisab. The nisab value also moves daily with metal prices, so re-check it each year. For decisions on complex wealth or specific obligations, consult a qualified scholar or your local zakat authority before paying. Treat the output as an estimate, not a definitive fatwa.
Frequently asked questions
How much zakat do I pay?+
Zakat is 2.5% of your net zakatable wealth — cash, gold, silver, savings and investments minus immediate debts — provided it is at or above the nisab and held for one lunar year. On $8,000 of net wealth that is $200.
What is nisab?+
Nisab is the minimum wealth threshold at which zakat becomes due, based on the value of 87.48 g of gold or 612.36 g of silver. If your net wealth is below nisab, no zakat is owed.
Should I use the gold or silver nisab?+
Many scholars recommend the silver nisab (612.36 g) because it is lower, so more wealth becomes zakatable and more is given to those in need. Some follow the gold nisab (87.48 g). Use a single consistent standard each year.
What assets are zakatable?+
Cash, bank balances, gold and silver, business inventory, receivables you expect to collect, and investments held for growth such as shares and crypto. Personal-use items like your home, car, clothes and furniture are generally exempt.
Do I subtract my debts before calculating zakat?+
Yes. Subtract immediate liabilities — overdue bills, this month's rent or mortgage, short-term loans and credit-card balances — from your assets. Long-term mortgages are usually counted only by the upcoming payment, not the whole balance.
When is zakat due?+
Zakat is due once each lunar (hijri) year on the anniversary (your zakat date) of the day your wealth first reached nisab, provided it stayed at or above nisab for the full year.
Is zakat 2.5% or 2.5 times something?+
It is 2.5 percent — one fortieth (1/40) of your net zakatable wealth. Multiply net wealth by 0.025, or divide by 40, to get the same figure.
Does this calculator give religious rulings?+
No. It performs the standard 2.5% arithmetic to help you estimate. For rulings on specific assets, mixed income or business structures, consult a qualified scholar or your local zakat authority.