Finance calculators

Zakat Calculator

Updated Jul 3, 2026 By Jehan Wadia
Rate Formulas

Calculator Setup

Current Nisab: calculating…
This calculator is completely private. No financial data you enter is collected, transmitted, or stored anywhere. All calculations happen locally in your browser.
Metal prices shown are approximate fallback values. Please verify current market rates.
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0 of 21 fields completed

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Exclude: precious stones, diamonds, and metals other than gold and silver.
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Include only Shariah-permissible holdings.
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Exclude equipment, fixtures, and property not intended for resale. Livestock and farm produce follow separate Zakat rules — consult a local imam.
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These amounts are subtracted from your total zakatable assets. (Zakat paid in advance is credited against your final Zakat, not against your assets.)

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Only immediately due obligations qualify. Do not enter total mortgage, car-loan, or other long-term debt balances.
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Summary Breakdown
Total Personal Assets$0.00
Total Business Assets$0.00
Total Assets$0.00
Total Deductions$0.00
Net Zakatable Assets$0.00
Nisab Comparison
Nisab Threshold (Gold)$0.00
Your Net Zakatable Assets$0.00
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Your Zakat Result
Your wealth meets the Nisab threshold. Zakat is obligatory.
Zakat Amount Due (2.5%)
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Step-by-Step Solution
Asset Composition
Net Zakatable Assets vs Nisab

Introduction

Zakat is one of the five pillars of Islam. It requires every Muslim who owns enough wealth to give 2.5% of that wealth each year to those in need. This duty helps purify your money and support your community.

To know if you owe Zakat, your wealth must reach a minimum amount called the Nisab. The Nisab is based on the current value of gold or silver. You can check current gold values with our gold price calculator. If your total assets minus your debts meet or pass this threshold for one full lunar year, Zakat is due.

This free Zakat calculator makes it simple to figure out how much you owe. Enter your cash, gold, silver, stocks, business assets, and debts. The tool adds up your wealth, subtracts what you owe, compares it to the Nisab, and shows your Zakat amount. It supports the Hanafi, Maliki, and Shafi'i schools of thought so you can follow the ruling that applies to you.

All calculations happen in your browser. No financial data is sent, saved, or shared. Your information stays private.

How to Use Our Zakat Calculator

Enter your assets, debts, and a few settings below. The calculator will add up your wealth, subtract what you owe, compare it to the Nisab threshold, and tell you exactly how much Zakat you owe.

Calculator Setup

Currency: Pick the currency you use — USD, GBP, or EUR. All values in the calculator will show in the currency you choose. If you need to convert between currencies, our currency calculator can help.

Nisab Standard: Choose Gold or Silver. The Nisab is the minimum wealth you must have before Zakat is due. Gold uses about 85 grams of gold. Silver uses about 595 grams of silver. The silver standard gives a lower threshold. If you are unsure, ask your local imam.

Madhab (Legal School): Select your Islamic legal school — Hanafi, Maliki, or Shafi'i. This changes how jewelry is counted and how the Nisab rules work over the year.

Personal Assets

Personal Cash on Hand & Bank Accounts: Enter all cash you have at home plus money in your personal checking and savings accounts. Do not include business accounts here. If your cash is in a high-yield savings account, our HYSA calculator can help you track the interest earned on those balances.

Gold & Silver Jewelry: Enter the current market value of your gold and silver jewelry. You can use our gold price calculator to estimate the value of your gold holdings. Do not include diamonds, gems, or metals other than gold and silver. Your Madhab choice affects which jewelry counts.

Gold & Silver Bullion: Enter the value of any gold or silver bars or coins you own as savings or investment. This is separate from jewelry.

Stocks, Shares & Bonds: Enter the current market value of your Shariah-permissible stocks and bonds. Only include halal investments. Our stock profit calculator can help you determine the current value of your stock holdings, and our bond value calculator can help with bond valuations.

Shareholder Dividends: Enter any dividends you have received or are owed. This is counted separately from the stock value itself. You can use our dividend calculator to estimate your expected dividend income, or our dividend yield calculator to evaluate the yield on your holdings.

Retirement Accounts & Pension Plans: Enter the amount you could withdraw today after penalties and taxes — not the full balance, just what you would actually receive. Tools like our 401k calculator, Roth IRA calculator, or retirement calculator can help you understand the current value and withdrawal implications of your retirement accounts.

Good Loans Owed to You: Enter money you have lent to others that you expect to get back.

Expected Tax Refund: Enter the amount of any tax refund you expect to receive. Our tax refund calculator can help you estimate this amount.

Refundable Deposits Owed to You: Enter security deposits or other refundable amounts that others are holding for you.

Salary or Professional Payments Due to You: Enter wages, freelance payments, or fees that are owed to you and expected to be paid soon. If you need to calculate your expected pay, our salary calculator or hourly to salary calculator can help.

Business Assets

Business Cash & Bank Accounts: Enter cash in your business bank accounts. Do not include personal accounts — those go in the section above.

Business Inventory & Trade Goods: Enter the market value of goods you hold for sale. Do not include equipment, tools, or property you do not plan to sell.

Business Receivables: Enter invoices or payments owed to your business that you expect to collect by your Zakat date.

Investment Real Estate: Enter the market value of property you own as an investment or plan to sell. Do not include your home or property you use personally. Our cap rate calculator and rental yield calculator can help you assess the value and performance of investment properties.

Net Income from Fixed Business Assets: Enter net income from fixed assets like rental property that you lease to others.

Net Income from Mobile Business Assets: Enter net income from movable assets you rent out, like vehicles or equipment.

Liabilities & Deductions

Immediately Due Personal Debts: Enter only debts you owe right now — rent, bills, medical costs, and other obligations currently due. Do not enter your full mortgage or long-term loan balances. If you are working on a plan to pay down debt, our debt payoff calculator, debt snowball calculator, or debt avalanche calculator can help you build a strategy.

Borrowed Money & Credit Purchases Due Now: Enter money you borrowed or goods you bought on credit where payment is due now. If you carry credit card balances, our credit card payoff calculator can help you plan repayment.

Taxes, Rent & Utility Bills Currently Due: Enter tax payments, rent, and utility bills you currently owe. Do not include future bills. Our income tax calculator can help you estimate your tax obligations.

Wages Owed to Employees: If you employ others, enter wages you currently owe them.

Zakat Already Paid in Advance: Enter any Zakat you have already paid this year. This amount is subtracted from your final Zakat owed, not from your assets.

Your Results

Press Calculate to see your results. The calculator shows a full summary of your assets, compares your wealth to the Nisab, and tells you if Zakat is due. If it is, you will see the exact amount you owe along with step-by-step math and charts that break down your wealth. For a broader picture of your financial standing, consider using our net worth calculator alongside this tool.

What Is Zakat?

Zakat is one of the five pillars of Islam. It is a yearly charity that every Muslim must pay when their wealth reaches a certain amount. The word "zakat" means "purification." By giving zakat, Muslims purify their wealth and help those in need.

How Zakat Works

Each year, you add up all the money and valuables you own. This includes cash, gold, silver, stocks, business goods, and money people owe you. Then you subtract any debts you owe right now. The amount left over is called your net zakatable assets. If this amount is equal to or above a minimum threshold called the Nisab, you must pay 2.5% of it as zakat. To get a complete picture of everything you own and owe, our net worth calculator can be a helpful companion tool.

What Is the Nisab?

The Nisab is the minimum amount of wealth you must have before zakat becomes required. It is based on the value of either 85 grams of gold or 595 grams of silver. You choose one standard. The gold standard sets a higher threshold, and the silver standard sets a lower one. Many scholars recommend using the silver standard so that more people can receive help. You can check the latest gold valuations with our gold price calculator.

What Is the Hawl?

Zakat is not due the moment your wealth hits the Nisab. You must own that amount of wealth for one full lunar year (about 354 days). This waiting period is called the Hawl. Once a full lunar year passes and your wealth is still at or above the Nisab, you owe zakat on that wealth. Our date duration calculator can help you track how many days have passed since your wealth first reached the Nisab.

Why the Madhab Matters

A madhab is an Islamic school of law. The Hanafi, Maliki, and Shafi'i schools have slightly different rules about zakat. For example, the Hanafi school says you must pay zakat on all gold and silver jewelry, even pieces you wear every day. The Maliki and Shafi'i schools may exclude certain worn jewelry. The schools also differ on what happens if your wealth dips below the Nisab during the year. Choose the madhab you follow for the most accurate result.

Who Receives Zakat?

The Quran names eight groups who can receive zakat. These include the poor, the needy, those in debt, travelers in difficulty, and others. Zakat cannot be given to your parents, children, or spouse. It is best to distribute your zakat through a trusted Islamic charity or directly to those who qualify. If you are planning your overall charitable giving alongside your personal finances, tools like our budget calculator can help you allocate your resources effectively.

Formulas used

Total Assets
\text{Total Assets} = \text{Personal Assets} + \text{Business Assets}
Net Zakatable Assets
\text{Net Zakatable Assets} = \text{Total Assets} - \text{Deductions (Liabilities)}
Nisab Threshold (Gold Standard)
\text{Nisab}_{\text{gold}} = 85 \times \frac{P_{\text{gold/oz}}}{31.1035}
Nisab Threshold (Silver Standard)
\text{Nisab}_{\text{silver}} = 595 \times \frac{P_{\text{silver/oz}}}{31.1035}
Zakat Due
Z = \text{Net Zakatable Assets} \times 0.025 \quad (\text{if Net} \ge \text{Nisab})
Remaining Zakat Owed
\text{Remaining} = Z - \text{Zakat Paid in Advance}

Frequently asked questions

What is a Zakat calculator?

A Zakat calculator is a tool that adds up your wealth, subtracts your debts, and checks if you meet the Nisab threshold. If you do, it tells you exactly how much Zakat you owe at the 2.5% rate. This calculator does all the math for you so you don't have to do it by hand.

Is my financial data safe when I use this calculator?

Yes. All calculations happen right in your browser. No data is sent to any server, saved, or shared with anyone. Your numbers stay on your device and disappear when you close the page.

What is the difference between the gold and silver Nisab standard?

The gold standard uses the value of 85 grams of gold, which sets a higher minimum. The silver standard uses the value of 595 grams of silver, which sets a lower minimum. If you pick silver, more of your wealth may be above the threshold and Zakat becomes due at a lower amount. If you are not sure which to use, ask your local imam.

Should I include my house or car in the calculator?

No. Your primary home and personal-use items like your car, furniture, and clothes are not subject to Zakat. Only enter property you hold as an investment or plan to sell.

Why does the jewelry label change when I switch Madhab?

Each Islamic legal school has different rules about which jewelry counts for Zakat. The Hanafi school counts all gold and silver jewelry, even pieces you wear daily. The Maliki school counts only unused jewelry. The Shafi'i school counts jewelry owned by men only. The label changes to remind you what to include based on your chosen school.

Do I include diamonds and gemstones in the jewelry field?

No. Only enter the value of gold and silver. Diamonds, rubies, emeralds, and other precious stones are not subject to Zakat unless you hold them as trade goods for sale in a business.

What counts as an immediately due debt?

Only debts you must pay right now count. This includes rent due today, current bills, and loan payments that have already come due. Do not enter the full balance of your mortgage, student loan, or car loan. Only the current payment amount qualifies as a deduction.

How do I calculate my retirement account value for Zakat?

Enter the amount you would actually receive if you withdrew the money today. This means you should subtract early withdrawal penalties and taxes from the total balance. Do not enter the gross account value.

What if I already paid some Zakat this year?

Enter the amount you already paid in the "Zakat Already Paid in Advance" field. The calculator will subtract it from your total Zakat owed and show you how much you still need to pay.

Can I use this calculator for Zakat al-Fitr?

No. This calculator is for Zakat al-Mal, the yearly wealth-based Zakat. Zakat al-Fitr is a separate charity paid at the end of Ramadan and is a fixed amount per person, not a percentage of your wealth.

Are the metal prices in this calculator accurate?

The calculator tries to load live gold and silver prices. If the live feed works, you will see a note saying so. If it does not, the calculator uses approximate fallback prices. Either way, you should check current market rates to make sure the Nisab value is correct.

Do I pay Zakat on stocks that are not Shariah-compliant?

This calculator is designed for Shariah-permissible investments only. If you hold stocks that are not halal, consult a qualified Islamic finance advisor about how to handle them. Do not enter non-compliant holdings in this tool.

What happens if my wealth drops below the Nisab during the year?

It depends on your Madhab. Under the Hanafi school, your wealth only needs to meet the Nisab at the start and end of the lunar year. A temporary dip in the middle does not cancel your Zakat. Under the Maliki and Shafi'i schools, your wealth must stay at or above the Nisab for the entire year. If it drops below at any point, the one-year count restarts.

Is Zakat 2.5% of all my wealth or just my net zakatable assets?

Zakat is 2.5% of your net zakatable assets only. That means total assets minus immediately due debts. You do not pay Zakat on your total wealth before deductions.

Do I include money people owe me?

Yes, if you expect to get the money back. Enter loans you made to others, business invoices, salary owed to you, and refundable deposits. Only include amounts you are confident will be repaid.

Can I use this calculator if I don't have a business?

Yes. Just leave the business asset fields empty or at zero. The calculator will use only your personal assets and liabilities to figure out your Zakat.

Why is the Hanbali school not listed?

This version of the calculator supports the Hanafi, Maliki, and Shafi'i schools. The Hanbali school is not included at this time. If you follow the Hanbali school, consult a local scholar for guidance on any rule differences.

Do I include rental income from property I own?

Yes. If you earn rental income from investment property, enter the net income in the "Net Income from Fixed Business Assets" field. If the property itself is held for sale, also enter its market value in the "Investment Real Estate" field.

What does the progress bar show?

The progress bar shows how many of the 21 input fields you have filled in. It helps you see at a glance if you may have missed a section. You do not need to fill in every field — only the ones that apply to you.

Can I change the currency after I enter my numbers?

Yes. You can switch between USD, GBP, and EUR at any time using the currency dropdown. The Nisab threshold and display symbols will update, but the numbers you entered stay the same. Make sure all your entries are in the currency you select.