Zakat Calculator
Enter your cash, gold, silver, investments and receivables, subtract your debts, and see whether your wealth reaches the nisab and how much zakat is due at 2.5%.
Zakat due (2.5%)
Common zakat rates for reference
Nisab (silver) = 595 × silver price per gram · Nisab (gold) = 85 × gold price per gram · Zakat = 2.5% × net wealth when net wealth is at or above the nisab
| Asset | Rate | Notes |
|---|---|---|
| Money and trade goods | 2.5% | Once per lunar year (hawl) on wealth at or above the nisab |
| Crops irrigated with effort (wells, pumps, machinery) | 5% | Taken on the harvest at collection time |
| Crops watered without effort (rain, natural springs) | 10% | Taken on the harvest at collection time |
| Livestock (camels, cattle, sheep and goats) | Varies | Depends on the kind of animal and the number owned; the table is informational |
How to use
- Fill in your zakatable wealth: cash and bank balances, gold and silver with the current market price per gram, investments and money owed to you.
- Enter the debts you owe, choose the nisab basis (silver by default, or gold), then click Calculate.
- Read your net zakatable wealth, the nisab threshold and the 2.5% zakat due if the nisab is met.
Frequently asked questions
Who has to pay zakat?
Zakat is obligatory on a Muslim who owns wealth at or above the nisab for a full lunar year, the hawl. The nisab is a minimum threshold expressed in gold or silver value; below it no zakat is due, and the hawl restarts whenever your wealth rises above the threshold from a new source. If you are unsure whether your situation qualifies, ask a knowledgeable scholar, since personal circumstances can change the ruling.
Should I use the gold or silver nisab?
The gold nisab is the value of 85 grams of gold; the silver nisab is the value of 595 grams of silver. Because silver is worth far less per gram, the silver nisab is a lower threshold, so more people qualify and more wealth is purified. For cash and modern savings, many scholars recommend the silver nisab for precisely that reason, which is why this calculator defaults to it. Either basis is defensible; choose one and apply it consistently.
Is zakat al-fitr included here?
No. Zakat al-fitr (fitrana) is a separate, small head of zakat paid before the Eid al-Fitr prayer at the end of Ramadan. It is fixed per person, typically the value of about one sa of staple food, and is owed by every financially able Muslim for themselves and their dependents, regardless of whether their wealth reaches the nisab. This calculator covers only zakat al-mal, the annual 2.5% zakat on wealth, which follows different rules.
What counts as zakatable wealth?
Count cash in hand and in bank accounts, the current market value of gold and silver you own, money invested in funds or shares held for trade, and money that other people owe you and are expected to repay. Deduct debts that you yourself must pay in the near term. Personal items such as your home, car and everyday belongings are generally not counted. Scholars differ on details like mortgages and retirement accounts, so treat the total as a careful estimate.
Are the results a religious ruling (fatwa)?
No. This calculator is an arithmetic aid: it adds what you enter, compares the total with the nisab you selected and shows 2.5% of the remainder. It does not know your full situation: the exact valuation date, the accounting method you follow, business stock, pending transactions or the many cases scholars discuss. Treat the output as an educational estimate, not a fatwa, and confirm the final amount with a qualified scholar or your local zakat authority.