☪️ Zakat Calculator
Estimate your annual Zakat obligation based on your cash, gold, silver, business assets, investments, and debts.
Your Assets & Liabilities
Your Zakat Estimate
How Zakat Is Calculated
Zakat is one of the Five Pillars of Islam — an obligatory annual almsgiving on wealth that meets or exceeds a minimum threshold (Nisab) and has been held for one full lunar year (Hawl).
Formula
Nisab Value = Nisab grams (87.48 g gold or 612.36 g silver) × price per gram
If Total Zakatable Wealth ≥ Nisab Value: Zakat Due = Total Zakatable Wealth × 2.5%
Otherwise: Zakat is not obligatory this year.
The 2.5% Rule
Zakat is generally calculated at a rate of 2.5% (1/40th) of qualifying wealth held for a full lunar year above the Nisab threshold. This applies to cash, gold, silver, tradeable business inventory, and investments, minus short-term debts due.
What Assets Qualify
- Cash on hand and in bank accounts
- Gold and silver, whether jewelry (per most scholarly opinions on stored wealth) or bullion
- Business inventory intended for sale
- Investments, stocks, and tradeable securities
- Money owed to you that you expect to receive
Debts and liabilities due imminently are typically subtracted from your zakatable wealth before applying the 2.5% rate.
The Hawl Requirement
Zakat is only due on wealth that has been in your possession for one full lunar (Hijri) year above the Nisab threshold. If your wealth dropped below Nisab at any point and later rose again, many scholars hold that the Hawl restarts from that point — consult a scholar for your specific situation.
Disclaimer
This calculator provides an educational estimate only. Zakat rulings can vary by school of thought, especially regarding business inventory valuation, mixed or illiquid assets, and debt treatment. Please consult a qualified scholar or your local Islamic center for a personalized Zakat ruling.
Frequently Asked Questions
What is Zakat?
Zakat is a mandatory annual charitable contribution — one of the Five Pillars of Islam — paid on qualifying wealth that exceeds the Nisab threshold and has been held for a full lunar year.
Should I use the gold or silver Nisab?
Silver Nisab (612.36 g) is lower in value than gold Nisab (87.48 g) in most markets, so using silver Nisab means more people qualify to pay Zakat. Many scholars consider it the more cautious and inclusive standard for cash-based wealth.
What happens if my wealth is below the Nisab?
If your total zakatable wealth is below the Nisab threshold, Zakat is not obligatory on you for that year, though voluntary charity (Sadaqah) is always encouraged.