Zakat calculator (2.5% of zakatable wealth)
2.5% of cash, gold, silver, trade goods and receivables minus short-term debts, checked against the nisab you enter.
Zakat on wealth
Zakat on wealth is 2.5% of the zakatable assets you have held for one lunar year while they stayed at or above the nisab. This calculator adds cash and bank balances, gold and silver at market value, trade goods and receivables you expect to collect, deducts debts that fall due within the year, and applies 2.5% if the net figure reaches the nisab.
The nisab is 85 grams of gold or 595 grams of silver. Prices change daily and differ by country, so you enter today's price per gram yourself and the tool computes the threshold from it. The silver standard produces a lower threshold; many scholars recommend it because more people then pay and the poor benefit, while others use gold. Pick the one your school or local authority follows.
Some items are treated differently by different schools of fiqh: jewellery in personal use, long-term loans such as a mortgage, retirement accounts, and receivables you may never collect. The notes under the result list the assumptions made here. For anything unusual, ask a qualified scholar or your local zakat authority.
How to use it
- Enter your cash and bank balances, and any gold or silver in grams along with today's price per gram.
- Add trade goods at market value and receivables you realistically expect to be paid.
- Enter debts due within the coming year; they are deducted.
- Choose the gold or silver nisab standard and read the zakat due. The table shows every component and whether the nisab is met.
Frequently asked questions
Do I pay zakat on gold jewellery I wear?
Opinions differ. The Hanafi school includes all gold and silver regardless of use; the Shafi'i, Maliki and Hanbali schools generally exempt jewellery in ordinary personal use. Enter it or leave it out according to the opinion you follow.
Which debts can I deduct?
Debts that are due within the year, such as credit-card balances, this year's instalments and unpaid bills. Whether the full balance of a long-term loan can be deducted is disputed; the more common view deducts only the instalments falling due in the coming year.
Why lunar year, and what if I calculate by the solar calendar?
Zakat becomes due once a full Hijri year (about 354 days) has passed on wealth at or above the nisab. If you fix your zakat date by the Gregorian calendar instead, some scholars suggest 2.577% to compensate for the extra 11 days; this tool uses 2.5%.
Does the tool fetch gold prices?
No. Prices vary by market and purity (24k versus 21k), and fetching them would mean a network request. Check a local bullion price for the purity you hold and type it in.
Is this a religious ruling?
No. It is arithmetic based on the widely accepted 2.5% rate and nisab weights. For your specific circumstances consult a scholar or your national zakat authority.
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