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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This calculator provides an educational estimate according to established Islamic jurisprudence principles. It does not replace consulting a certified Islamic scholar or authorized Zakat authority (such as ZATCA in Saudi Arabia), especially for intricate corporate entities, active investment portfolios, or complex debt structures.
Zakat is obligatory upon every adult, sane Muslim who possesses the minimum threshold (Nisab) of zakatable wealth for a full lunar year (Hawl) without it falling below Nisab during that period. Basic personal necessities—such as primary living residence, personal commuting vehicle, household furniture, and work tools—are completely exempt from Zakat.
Zakat applies to wealth that is intrinsically productive or capable of growth. The primary zakatable asset classes include:
All liquid currency held in cash, bank checking/savings accounts, or electronic digital wallets.
Bullion bars, coins, and precious metals regardless of form (see personal jewelry ruling below).
Any merchandise, raw materials, or real estate acquired with the intention of commercial resale and profit.
Money lent to solvent debtors that you reliably expect to recover when due.
The market value of tradable stocks and mutual investment funds held for capital gain.
Digital assets treated as commercial trading goods or liquid assets by majority contemporary fiqh councils.
Conversely, items for personal and domestic use—including your primary residence, private vehicle, family furniture, and vocational tools—are not subject to Zakat regardless of their value.
This is a well-known point of jurisprudential difference among Islamic scholars. The majority of jurists (Malikis, Shafi’is, and Hanbalis) hold that customary gold and silver jewelry intended solely for permissible personal wear is exempt from Zakat. In contrast, the Hanafi school holds that all gold and silver is zakatable once it meets the Nisab threshold, irrespective of usage. Many scholars recommend paying Zakat on valuable jewelry as a precaution (Ihtiyat), or consulting a trusted scholar regarding your circumstances.
Allah Almighty has definitively specified the eight exclusive categories of Zakat recipients in Surah At-Tawbah (Verse 60):
Those who have no income or property, or possess less than half of their basic livelihood needs.
Those who possess some means of income but cannot cover their essential living expenses.
Appointed personnel responsible for collecting, auditing, and distributing Zakat funds.
Those whose hearts are inclined toward Islam or new Muslims requiring communal support and stability.
Assisting individuals in bondage or unjustly detained to regain their personal freedom.
Debtors who incurred bona fide debt for permissible purposes and have no means to pay it off.
Legitimate efforts defending the Muslim community and promoting the righteous propagation of Islam.
Travelers cut off from their wealth away from home, assisted to safely reach their destination.
You cannot disburse Zakat to direct ascendants (parents, grandparents) or direct descendants (children, grandchildren), nor to your spouse, because their maintenance is already your legal duty. However, giving Zakat to eligible brothers, sisters, aunts, uncles, and cousins is not only permissible but carries double reward: the reward of charity and the reward of upholding family ties.
The Holy Quran and authentic Prophetic traditions deliver stern warnings against neglecting Zakat or hoarding wealth:
“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 with it their foreheads, their flanks, and their backs will be branded: This is what you hoarded for yourselves, so taste what you used to hoard.”
Surah At-Tawbah, Verses 34-35
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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