Zakat Calculator

Zakat is one of the five pillars of Islam: an obligatory annual payment of 2.5% of a Muslim's net zakatable wealth, owed once that wealth reaches the nisab threshold and has been held for one full lunar year. It functions as a wealth purification and redistribution mechanism, distinct from sadaqah, which is voluntary charity given at any time in any amount.

Nisab is the minimum amount of wealth a Muslim must hold before zakat becomes due, defined as a weight of gold or silver rather than a fixed dollar figure. The most commonly used modern conversion sets it at 87.48 grams of gold or 612.36 grams of silver, though the Zakat Foundation of America cites a slightly different classical gold conversion of roughly 85 grams. Because the dollar value of either standard moves with the metal's live price, the calculator above asks for today's price rather than assuming a fixed number. Which standard applies to you, and how jewelry and retirement accounts factor in, depends on your school of thought — see our zakat calculation by madhab guide for the Hanafi, Shafi'i, Maliki, Hanbali, and Ja'fari differences.

Cash and bank balances, gold and silver held as savings or investment, stocks and other investments, business inventory, and money owed to you that you genuinely expect to collect are all zakatable. A home you live in, a car you use personally, and everyday personal-use items are generally excluded, since zakat targets wealth that's productive or held as savings rather than property in active personal use. If you hold cryptocurrency, see our guide on zakat on cryptocurrency for how digital assets are classified and valued.

Add up your zakatable assets, cash, gold, silver, investments, and money owed to you, then subtract debts and bills due now to get your net zakatable wealth. Compare that figure to the nisab threshold for the metal standard you're using. If your wealth meets or exceeds nisab and you've held it for a full lunar year, multiply the entire zakatable wealth by 2.5% to get the zakat due. Use the full figure here. The amount above nisab alone is a common calculation mistake. If you live under a state-administered system such as Malaysia's, see our zakat calculator Malaysia by state guide for how official collection and tax-rebate rules differ from this general calculation.

Scholars disagree on this point. This calculator doesn't take a side. The Hanafi school generally holds that gold and silver jewelry is zakatable regardless of whether it's worn, since the underlying material carries zakat by its nature. Many scholars in the Shafi'i, Maliki, and Hanbali schools instead exempt jewelry that's genuinely worn for personal use, treating it more like a personal item than a store of wealth. If jewelry makes up a meaningful share of your assets, confirm which view your local Islamic center or a qualified scholar follows before you decide whether to include it above.

Zakat is generally due from a Muslim adult of sound mind whose net zakatable wealth meets or exceeds the nisab threshold and has been held for one full lunar year. Below nisab, no zakat is owed. If your wealth dips below nisab at any point before that year is up, most scholars restart the clock once you cross the threshold again. A person whose wealth never reaches nisab isn't obligated to pay, though voluntary charity (sadaqah) is still encouraged at any level.

Assuming no debts are subtracted, $200,000 in zakatable savings clears nisab easily under either the gold or silver standard. The math is simple. $200,000 times 2.5% comes to $5,000 in zakat due. Subtract any debts or bills due now from the $200,000 first, if you have them. Zakat is calculated on the amount left after subtracting debts.

Because the nisab is defined as a weight of metal. Gold and silver prices move daily, so a dollar figure fixed at launch is only accurate on the day it was published, and drifts further from correct every day after. Entering today's price per gram, easy to find from a live bullion-price source, keeps the threshold accurate whenever you actually run the numbers.

No. It applies the standard 2.5% rate to the net zakatable wealth and nisab threshold you enter, which covers the arithmetic every school of thought agrees on. Points where scholars genuinely disagree, such as jewelry worn for personal use or how to treat a retirement account you can't access yet, aren't resolved by any calculator. Bring those specific questions to a qualified scholar or your local Islamic center.

Yes, this zakat calculator works in any currency. Rather than hardcoding a fixed dollar threshold, the tool derives your nisab baseline directly from the gold or silver price per gram you enter. The calculation remains accurate for any currency as long as you enter your assets, debts, and metal prices using that same unit consistently. You only need to look up today's local gold or silver price per gram in your own currency, as the calculator does not pull automated exchange rates.

Multiply your weight in tolas by 11.6638 to find the total in grams, since one South Asian tola equals 11.6638 grams. Retail jewelers commonly round this conversion to 11.664 grams for daily transactions. Enter that converted gram figure into our calculator, which evaluates both gold and silver nisab standards to determine your zakat.

Only debts and bills currently due reduce your zakatable wealth. You deduct this month's mortgage payment instead of the full remaining loan balance, because as Islamic scholar Joe Bradford notes, future obligations do not reduce current assets. Treatment for a restricted 401(k) or pension remains an open scholarly debate. One view applying classical ownership principles cited by Bradford holds that zakat is not owed on wealth you cannot access without penalty, while other scholars assess zakat annually on the estimated net balance after taxes and penalties. Our calculator does not provide an automatic restricted-account adjustment, so bring your specific plan details to a qualified scholar to determine which ruling to follow.

No, this calculator does not offer a downloadable Excel spreadsheet or offline template. It runs directly in your browser, with no built-in export, CSV download, or print button. To keep a record of your calculations, use your browser's print function to save the page as a PDF, or copy your asset figures into your own document.

No, you do not owe zakat directly on your salary or income as you earn it. Zakat applies only to accumulated net wealth once your qualifying assets minus immediate debts reach the nisab threshold and you hold that balance for one full lunar year (the hawl). Any portion of your paycheck spent on living expenses during the year is never zakatable. Your earnings only count toward zakat if you save them and that surplus remains part of your accumulated wealth at the one-year mark.

Value business inventory at its current resale value on your zakat due date rather than its original cost. Only goods held for resale count. Equipment, machinery, and fixtures used to run the business remain exempt. Because this calculator does not have a dedicated inventory field, add that total resale figure to your zakatable assets alongside cash and investments.

Calculate missed zakat sequentially year by year, treating each unpaid year's zakat as a debt that reduces your zakatable wealth before you figure the next year's balance. As documented by SeekersGuidance, if you owed zakat on 500 grams of gold, year one requires 2.5% (12.5 grams), leaving 487.5 grams subject to zakat in year two. Because our calculator evaluates one year at a time, you must run it separately for each missed year. Manually deduct the previous year's unpaid zakat from your assets before calculating each subsequent year.