Work out exactly how much zakat you owe this year โ with nisab check.
What is zakat? Zakat is one of the Five Pillars of Islam: every year, Muslims whose savings and qualifying wealth stay above a minimum threshold (the nisab) for a full lunar year give 2.5% of that wealth to those in need. This calculator totals your zakatable assets, subtracts your debts, checks the nisab, and gives the exact amount due.
Enter ALL amounts in the same currency. Use your local gold/silver rates โ prices move daily.
Your zakat due
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Total zakatable assets
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Minus debts
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Net zakatable wealth
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Nisab threshold
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Nisab met?
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Tip: calculate first โ your result is included when you share.
Enter the value of everything zakatable: cash at home and in the bank, the current value of your gold and silver, business stock and inventory, plus shares and money others owe you. Then enter your short-term debts. Press Calculate Zakat and you will see your net zakatable wealth, the nisab threshold for your chosen standard, and the exact 2.5% due. If your wealth is below nisab, the calculator tells you plainly that no zakat is due this year.
The step most people get wrong is the nisab check itself. Zakat is not 2.5% of everything you own โ it is 2.5% of net wealth above the threshold. Debts you must pay soon reduce what you owe zakat on, so listing them honestly can change the answer. The silver nisab is much lower than the gold nisab (silver is far cheaper per gram), so your choice of standard matters: many people become zakat-liable under silver who are not under gold.
One caveat: rules differ between schools of thought โ on items like personal jewellery worn regularly, long-term investments, or pensions โ and gold prices change daily, so update the per-gram defaults with today's rate in your country. This calculator gives the standard general estimate used by most zakat guides; for unusual cases, ask your local scholar.
Zakat is one of the Five Pillars of Islam: an annual payment of 2.5% of qualifying wealth. It becomes obligatory for a Muslim whose zakatable wealth has stayed above the nisab threshold for a full lunar year.
What is nisab?
Nisab is the minimum wealth threshold that makes zakat obligatory. It is commonly set at the value of 85 grams of gold or 595 grams of silver. If your net zakatable wealth is below nisab, no zakat is due.
Which assets count toward zakat?
Cash, bank savings, gold and silver, trade goods and business inventory, and shares held for trading count. Your own home, personal car, and household items you use are excluded. Short-term debts are subtracted from the total.
Do I pay zakat on my salary?
Only the part of your salary you actually save. Money spent on living expenses is not zakatable; money you keep saved above nisab for a full lunar year is. This calculator looks at your current assets, not your income.
Should I use the gold or silver nisab?
Scholars differ: many recommend the silver nisab (lower threshold, benefits the poor), while others use the gold nisab. This calculator offers both โ pick the one your local scholar advises and use it consistently each year.
When exactly does zakat become due?
After one full lunar (Hijri) year - known as hawl - passes with your zakatable wealth above nisab. If wealth drops below nisab during the year, most scholars say the year restarts. Pick one Hijri date each year (many choose 1 Ramadan), value everything you own on that date, and pay 2.5% if above nisab.
What are the nisab values for 2026?
Nisab is fixed in grams, not money: 85 grams of gold or 595 grams of silver. Their cash value moves daily with metal prices, so treat any published figure as approximate and check the current gold and silver price on the day you calculate. This calculator lets you enter today's prices directly.
Why is the silver nisab so much lower than the gold nisab?
Silver is far cheaper per gram than gold, so 595g of silver is worth much less than 85g of gold. Hanafi scholars often recommend the silver nisab because the lower threshold means more people qualify and the poor benefit more. Other scholars prefer the gold nisab to avoid burdening people of modest means. Ask your local scholar which to follow.
I earn a monthly salary - how do I apply the lunar year?
Use the simple annual method: choose one Hijri date per year, add up all zakatable wealth you hold on that date (savings, gold, investments minus debts), and pay 2.5% if the total is above nisab. You do not need to track each paycheck separately.
Must zakat be paid in Ramadan?
No. Zakat is due when your lunar year completes, whatever month that falls in. Many people pay in Ramadan for the extra reward, and paying early or in installments through the year is also acceptable - the obligation is the full 2.5% by your due date.
Is zakat due on gold jewellery I wear?
Scholars differ. The Hanafi school says yes - jewellery is zakatable wealth. The Maliki, Shafi'i and Hanbali schools generally exempt jewellery worn regularly for personal use. Follow the position of a scholar you trust and apply it consistently.
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