CalcKitZakat is 2.5% of your qualifying wealth — but only if that wealth reaches nisab, the minimum threshold set in Islamic law, and stays there for one lunar year. Because nisab is defined by the market value of gold and silver, its cash figure moves every day. Here is how to calculate it yourself.
The two nisab thresholds
The nisab is the value of 87.48 grams of gold or 612.36 grams of silver. To get today's figure in your currency, multiply the current market price per gram by 87.48 (gold) or 612.36 (silver). For example, if silver trades at $3.50 per gram, the silver nisab is 612.36 × 3.50 = $2,142.60. Always use the price on the day you calculate — check a live metals price rather than last year's figure.
Gold or silver — which nisab should you use?
You only need to clear one threshold to become liable. Most contemporary scholars recommend the silver nisab because it is far lower, which means more people fulfil the obligation and more recipients benefit. If your wealth clears the silver figure, calculate and pay zakat even if it is nowhere near the gold figure.
Step-by-step: checking your wealth against nisab
Step 1 — add up your zakatable assets: cash in hand and in the bank, gold and silver at current market value, trade goods and business inventory, shares and investments, and money owed to you that you expect to receive. Step 2 — subtract what you owe: personal debts, bills and business liabilities due within the year. Step 3 — compare: if the net figure equals or exceeds the nisab, you are a sahib-e-nisab — someone who meets the threshold.
The lunar-year (hawl) rule
Crossing nisab once is not enough: the wealth must remain at or above nisab for one full lunar year (hawl), about 354 days. In the Hanafi school, a brief dip below nisab mid-year does not restart the clock as long as you are above it at both the start and the end of the year. When in doubt, ask a scholar you trust.
Gold in tolas: a quick conversion
In South Asia, gold is usually weighed in tolas, not grams. One tola equals 11.66 grams, so the gold nisab of 87.48 grams works out to exactly 7.5 tolas. If you know your jewellery's weight in tolas, multiply by 11.66 to get grams, then multiply by today's price per gram for its market value. Remember to adjust for purity — 22-karat jewellery is about 91.7% pure gold, so multiply its weight by 0.917 before valuing it.
Calculating the 2.5%
Once nisab and hawl are satisfied, zakat is simply 2.5% of your net zakatable wealth — multiply the total by 0.025. Our free Zakat Calculator walks through the same steps and does the arithmetic for you.