Step-by-step guidance to calculate your Zakat obligation
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Setup
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Cash
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Gold
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Stocks
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Business
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Other
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Debts
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Result
01Setup
iBefore we begin: Zakat is one of the five pillars
of Islam. It is an obligation on every Muslim whose total wealth
exceeds the Nisab threshold for
one full hawl (lunar year). The standard rate is
2.5% of your total zakatable wealth.
The Nisab is calculated based on the value of gold or silver.
Different schools of jurisprudence use slightly different gold
weights to determine the threshold. This calculator fetches
live prices from the Nisab Al Zakat API so your
threshold is always up to date.
Can I pay Zakat in advance? Yes. Zakat covers the
previous hawl period (12 hijri months), but scholars generally
permit paying it in advance if you anticipate meeting the Nisab
threshold.
Auto-detected from your location. You can change it above.
Enter how many units of your currency equal 1 US Dollar
?Gold or silver? Contemporary scholars permit either
standard. Gold gives a higher threshold; silver a lower one. All four
major schools apply the same gram weights on this calculator. Use
Custom if your scholar follows a different figure.
02Cash & Bank Balances
i
All cash you currently hold is zakatable, whether
in your bank accounts, digital wallets, or physically at home.
Include
savings accounts, current accounts, fixed deposits,
and any cash on hand.
Interest earned on savings accounts is a separate matter in
Islamic jurisprudence, but for Zakat purposes, the
total balance in your account (including any
interest) should be included in your calculation. You may choose
to donate the interest portion separately as sadaqah.
Physical cash, wallet, money at home
Total across all bank accounts
PayPal, Venmo, Revolut, prepaid cards, etc.
Locked savings, certificates of deposit
Personal loans given, salary owed, refunds expected
03Gold & Silver
iAll gold and silver you own is subject to Zakat,
whether it is jewellery (worn or stored), bullion, coins, or bars.
This applies regardless of whether the item is for personal use or
investment.
There is scholarly debate on whether frequently worn personal
jewellery is exempt. The Hanafi school considers
all gold and silver zakatable regardless of use. The
Maliki, Shafi'i, and Hanbali schools generally
exempt regularly worn personal jewellery within customary amounts.
This calculator follows the school you selected and includes all
gold/silver. If you follow a school that exempts worn jewellery,
you may adjust accordingly.
Gold
Gold item #1
Market value of all your gold items combined
?What is karat? Karat measures gold purity.
24K is pure gold (99.9%).
21K (common in Middle Eastern jewellery) is 87.5%
pure. 18K (common in European jewellery) is 75%
pure. The purity affects the zakatable value because Zakat is
calculated on the pure gold content only.
Silver
Total weight of all silver items (jewellery, coins, bars)
04Stocks & Investments
i
Investments held for growth or income are generally
zakatable at their current market value. This
includes stocks, mutual funds, ETFs, bonds, and cryptocurrency.
For actively traded stocks (bought and sold
frequently), Zakat is on the full market value. For
long-term investments, some scholars say Zakat is
only due on the dividend/profit portion, while others include the
full value. Most modern scholars and Zakat organisations recommend
using the full current market value for
simplicity and caution.
Retirement accounts (pension, 401k, etc.):
If accessible, include the current value. If locked until
retirement, many scholars say Zakat is only due once you can
access the funds, though opinions vary.
Current market value of all holdings
Bitcoin, Ethereum, stablecoins, etc. at current value
Only include if you can currently access or withdraw these funds
Investment properties (rental income value), peer-to-peer lending,
etc.
05Business & Trade Assets
i
If you own a business or trade goods, the
stock/inventory held for sale and the
cash/receivables within the business are zakatable.
Fixed assets like machinery, office furniture, or property used for
the business itself are not zakatable.
Trade goods are items you purchase with the
intention of reselling at a profit. Their Zakat is calculated
based on their current market value (not what you
paid for them). Business cash and receivables should be included
here if not already counted in the Cash step.
Current market value of goods you intend to sell
If not already counted in Step 2 (Cash)
Materials purchased for manufacturing or resale
06Other Zakatable Assets
iAny other wealth you hold that does
not fall into the categories above should be included here. This may
include accumulated rental income or any other liquid assets.
Accumulated rental income not yet invested or spent
Looking for livestock or agricultural Zakat? Zakat on animals (cattle, sheep, camels) and agricultural
produce has different rules, rates, and thresholds that go beyond
this calculator. We recommend consulting a dedicated resource such
as
IslamQA
or your local Islamic scholar for guidance on these categories.
07Debts & Deductions
iDebts and liabilities that are
currently due or became due during the hawl period (12 hijri
months)
can be deducted from your total assets before calculating Zakat.
This reduces your zakatable wealth and may bring you below the Nisab
threshold.
Islamic financing
Total payments due during the hawl period (12 hijri months)
iIslamic financing: Payments due on
Sharia-compliant loans (Murabaha, Ijara, Musharaka) are deductible
in full. Only include the portion due during the hawl period, not
the entire outstanding balance.
Conventional (non-Islamic) loans
A note on scholarly views: There is debate among
scholars on how to treat conventional (interest-bearing) loans for
Zakat deduction purposes.
View 1 (majority):
Deduct only the principal portion of payments due
during the hawl. The interest portion is not considered a legitimate
debt in Islamic law and should not reduce your zakatable wealth.
View 2 (practical):
Some modern scholars allow deducting the
full payment (principal + interest) since it is a
real financial obligation you must meet, and failing to pay it would
cause harm.
This calculator deducts the
full amount you enter. We recommend consulting your
local scholar for guidance specific to your situation.
Only the payments due during the hawl period (12 hijri months)
Credit card & short-term debt
Current outstanding balance across all cards
Rent & bills
Unpaid rent, utilities, or essential bills that are currently
overdue or due now