Zakat Calculator
Enter your zakatable assets below. The calculator checks whether you meet the nisab threshold and works out 2.5% of your net zakatable wealth.
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How zakat is calculated
Zakat is one of the five pillars of Islam — an annual charitable payment of 2.5% on wealth that has been in your possession for one full lunar year (hawl), provided that wealth meets a minimum threshold called the nisab.
The calculation has three steps. First, add up all your zakatable assets: gold, silver, cash in hand and in bank accounts, business inventory held for sale, and investments such as shares or money owed to you that you expect to receive. Second, subtract debts that are currently due. Third, compare the net amount with the nisab — if your wealth is at or above nisab, you pay 2.5% of the full net amount.
What is nisab?
Nisab is the minimum amount of wealth a Muslim must own before zakat becomes obligatory. It is defined in terms of precious metals: 87.48 grams of gold or 612.36 grams of silver. Because gold and silver prices differ, the two standards give different thresholds in currency terms. Many scholars recommend using the silver standard because its lower threshold means more people pay zakat, which benefits the poor.
What counts as zakatable wealth?
- Included: gold and silver (jewellery rulings vary by school — consult your scholar), cash, bank balances, business stock intended for sale, shares and investment funds, money lent to others that you expect back.
- Not included: your home, personal car, furniture, clothing, and tools or equipment used to earn a living.
A worked example
Suppose that on your zakat date you own: cash and bank balance of 300,000; gold jewellery worth 150,000 at today's rate; business stock worth 200,000; and 50,000 that a friend owes you and will repay. That totals 700,000. You also have a credit-card bill of 40,000 due now, which you subtract, leaving net zakatable wealth of 660,000. If this is above your nisab, your zakat is 660,000 × 2.5% = 16,500. The 2.5% figure comes from the Prophetic guidance of one-fortieth (1/40) of qualifying wealth — dividing by 40 gives the same answer.
The eight categories who may receive zakat
The Qur'an (Surah At-Tawbah, 9:60) names eight groups eligible to receive zakat: the poor (al-fuqara), the needy (al-masakin), those employed to collect and administer it, those whose hearts are to be reconciled, freeing captives, those in debt they cannot pay, in the path of Allah, and the stranded traveller. Zakat generally cannot be given to your own dependants you are already obliged to support (such as parents, spouse or minor children), nor — in most views — to the wealthy or to non-Muslims from obligatory zakat. Giving locally and to relatives in genuine need (who aren't your dependants) often carries extra reward.
Gold, silver and tola conversions
In South Asia gold is usually weighed in tola: 1 tola = 11.664 grams. So the gold nisab of 87.48 g is about 7.5 tola, and the silver nisab of 612.36 g is about 52.5 tola. To value your jewellery, multiply its weight by today's per-gram rate for its purity (24k, 22k, etc.), then enter that amount above. Our Unit Converter turns tola into grams instantly, and the zakat on gold guide walks through a full example.
Zakat during Ramadan
Zakat can be paid at any time of year once a lunar year has passed on your wealth, but many Muslims deliberately choose Ramadan because the reward for good deeds is multiplied in this month. If you pick Ramadan as your annual zakat date, simply value your wealth on the same date each year. Note that Zakat al-Fitr — a smaller, separate charity paid per person before Eid prayer — is different from the 2.5% wealth zakat this calculator handles; both are due around the same time but are calculated in completely different ways.
Frequently asked questions
When do I pay zakat?
Zakat is due once your wealth has remained at or above nisab for one complete lunar (Hijri) year. Many people choose a fixed date — often in Ramadan for extra reward — and pay annually on that date.
Do I pay zakat on jewellery I wear?
Scholars differ. The Hanafi school holds that gold and silver jewellery is zakatable even when worn; other schools exempt jewellery in regular personal use. Ask a scholar you trust, and when in doubt, paying is the safer option.
Is zakat due on my salary or my house?
Zakat is not charged on income as it is earned, but on savings that remain after a lunar year. Your primary residence is exempt; property bought for resale or rental income has its own rulings.
Should I use the gold or silver nisab?
If you own only gold, use the gold standard. If your wealth is mixed (cash, gold, silver, business assets), most contemporary scholars recommend the silver standard because it is lower and more cautious.
How much is 2.5% of my wealth?
Multiply your net zakatable wealth by 0.025, or divide it by 40 — they give the same answer. On 660,000 that is 16,500.
Who can I give my zakat to?
To the eight categories named in the Qur'an (9:60) — chiefly the poor and needy. It generally cannot go to your own dependants (parents, spouse, minor children) whom you already support, nor to the wealthy.
How do I convert tola to grams for gold?
1 tola = 11.664 grams. So 7.5 tola ≈ the 87.48 g gold nisab. Multiply your jewellery's gram weight by today's per-gram gold rate to get its value.
Is Zakat al-Fitr the same as this zakat?
No. Zakat al-Fitr is a small fixed charity paid per household member before Eid al-Fitr prayer. This calculator handles the 2.5% annual wealth zakat (Zakat al-Mal), which is separate.