Calculate your zakat easily and accurately based on the gold or silver nisab, with clear steps for every category of your assets and liabilities.
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Zakat is the third pillar of Islam, a financial obligation upon every sane, adult Muslim who owns wealth reaching the nisab threshold and held for a full lunar year (hawl). Enter your financial details below to calculate the amount due precisely.
This tool is an aid for approximating the calculation based on generally agreed-upon jurisprudential principles, and is not a substitute for consulting a qualified scholar or an accredited zakat authority for your specific situation, especially with complex finances such as businesses, shares, or long-term debts.
Zakat is obligatory upon every Muslim who is sane, adult, and free, and who owns zakatable wealth that has reached the nisab threshold and remained in their possession for a full lunar year without falling below the nisab during that time. There is no zakat on wealth used for basic needs such as a personal home, personal car, and household furniture — zakat applies to growing or potentially-growing wealth such as cash, gold, silver, and trade goods.
Zakat is not due on everything you own — only on specific categories of growing or potentially-growing wealth. The main categories are:
Any liquid cash you hold — in your wallet, bank accounts, or e-wallets — regardless of currency.
Whether as bars, coins, or jewellery, regardless of purpose — see the detailed ruling on personally-worn jewellery below.
Any goods you own with the intention of selling them for profit, from shop inventory to property held for resale.
Money you have lent to others and expect to be repaid counts as part of your zakatable assets, as if it were in your possession.
Company shares and investment funds, if their market value reaches the nisab, per the detail in the FAQs below.
Such as Bitcoin and others, treated as either trade goods or currency according to the prevailing view among most contemporary fiqh councils.
By contrast, there is no zakat on personal-use wealth such as your home, personal car, household furniture, and tools of your trade that are not for sale (such as a carpenter's tools or a delivery driver's car), no matter their value.
This is a matter of scholarly disagreement. The majority of jurists (the Maliki and Shafi'i schools) held that gold and silver jewellery intended for ordinary personal use carries no zakat, while the Hanafi school held that zakat is due on it regardless of whether it reaches the nisab. It is preferable to be cautious and pay zakat on jewellery if it reaches the nisab, or to consult a qualified scholar to determine the most suitable position for your situation.
Allah specified the recipients of zakat exhaustively in a single verse — zakat may only be given to these eight categories:
Those who own next to nothing, or less than half of what they and their dependents need.
Those who have some means but not enough to fully meet their needs and those of their dependents.
Those appointed to collect and distribute zakat, who are paid a wage for their work from it.
Those whose hearts may be won over to Islam or strengthened in it, or whose harm to Muslims may be averted.
Helping slaves buy their freedom, or ransoming Muslim captives.
Those burdened by debt they cannot repay, whether incurred for themselves or to reconcile between people.
Striving and calling to Allah, and what serves the general welfare of Muslims in this sense.
A traveller cut off from their wealth back home, who is helped with enough to return, even if wealthy there.
Zakat may not be given to your parents, grandparents, children, or spouse, since supporting them is already your financial responsibility — and zakat may never be used as a substitute for a maintenance duty you already owe (for example, stopping support for someone you're obligated to provide for and giving them zakat instead). However, siblings, aunts, uncles, and other relatives you are not obligated to support may — and preferably should — receive zakat if they are poor or otherwise eligible, combining the reward of zakat with the reward of maintaining family ties, as related by An-Nasa'i from Salman ibn 'Amir that charity to the needy is a single charity, while charity to a relative is both charity and the maintaining of family ties.
For example: you may give your zakat to your brother or sister if they are poor or burdened by debt they cannot repay, as long as you are not legally obligated to support them (such as if they are not directly under your care). The same applies to paternal and maternal aunts and uncles, cousins, and other relatives.
The Quran and the Sunnah both contain severe warnings against withholding zakat or hoarding wealth without paying what is due on it, including:
And those who hoard gold and silver and spend it not in the way of Allah — give them tidings of a painful punishment. On the Day when it will be heated in the fire of Hell and seared therewith will be their foreheads, their flanks, and their backs, [it will be said], "This is what you hoarded for yourselves, so taste what you used to hoard."
Surah At-Tawbah, verses 34-35
There is no owner of gold or silver who does not pay what is due on it, except that on the Day of Resurrection plates of fire will be beaten out for him, heated in the fire of Hell, and his side, his forehead, and his back will be branded with them. Every time they cool, they will be reheated for him, on a Day the length of which will be fifty thousand years, until judgment is passed among the servants, and he sees whether his path leads him to Paradise or to Hell.
Sahih Muslim 987
Zakat on wealth is calculated by summing all your zakatable assets (cash, gold, silver, trade goods) and deducting outstanding debts, then comparing the result to the zakat nisab; if it reaches or exceeds it, you pay out 2.5% of the net amount as zakat.
The nisab is the minimum amount of wealth a Muslim must own before zakat becomes obligatory upon them, measured by the weight of 87.48 grams of gold or 612.36 grams of silver, based on the current market price of whichever is used.
Zakat is an obligatory duty of a fixed amount (2.5% of wealth that has reached the nisab and completed a full year), and it cannot be waived for someone able to pay it, while sadaqah is a voluntary act of charity with no fixed amount or condition — a Muslim may give sadaqah at any time and in any amount, in addition to the obligatory zakat.
If you can withdraw and access the funds now, zakat is due on them like any other wealth, provided it reaches the nisab. However, if the funds are locked and inaccessible until retirement (as with many government and private pension schemes), zakat is not due annually — instead, pay it as a lump sum when you actually receive the funds if you wish to be cautious, or calculate it retroactively for each past year if that can be done accurately.
No. Zakat is not due on wealth used for essential personal needs, such as your home, personal car, and household furniture, regardless of their value. Zakat applies only to growing or potentially-growing wealth, such as cash, gold, silver, trade goods, and property held for resale.
Yes — it is permissible, and even preferable, to give zakat to your brother, sister, or any other relative (such as aunts, uncles, or cousins) if they are poor or burdened by debt they cannot repay, provided you are not already legally obligated to support them (for example, if they are not under your direct care), and provided you don't use zakat as a substitute for a maintenance duty you already owe. This is only impermissible with parents, grandparents, children, and your spouse, since supporting them is a duty by the original ruling of Islamic law. Giving zakat to an eligible relative combines two rewards: the reward of zakat and the reward of maintaining family ties.
Zakat is not due on the value of the rental property itself, but on the net rental income remaining in your possession after expenses, if it reaches the nisab together with your other wealth and a full year has passed. However, property purchased with the intention of resale (trade goods) is zakatable on its full market value.
Yes, zakat is due on stocks and investments if their market value, combined with your other wealth, reaches the nisab. For shares held for active trading (frequent buying and selling), zakat is calculated on the full market value; for long-term shares held only for dividends, some scholars hold that zakat need only be paid on the company's cash and liquid assets in proportion to your ownership.
Yes — the prevailing view among most contemporary fiqh councils is that cryptocurrencies such as Bitcoin are treated as either trade goods or currency, so zakat is due on their full market value in your local currency at the time zakat is paid, if they reach the nisab together with your other wealth and a full year has passed.
Zakat becomes due once a full lunar year (about 354 days) has passed since the day your wealth first reached the nisab, and it is preferable to pay it as soon as it becomes due without delay. Many Muslims choose to pay it during Ramadan for the multiplied reward, but this is only recommended, not required — what matters is the date your own hawl (year) is completed, not any particular month.
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