Zakat is obligatory at 2.5% of your net wealth if it equals or exceeds the Nisab threshold. Nisab is the minimum wealth one must have before Zakat is due, traditionally equivalent to 85g of gold or 595g of silver.
Default based on 85g gold at ~$61/gram. Adjust to your local gold price.
Assets & Wealth
Deductible Liabilities
Zakat is one of the Five Pillars of Islam and is an obligatory form of almsgiving. It requires Muslims who meet the Nisab threshold to donate 2.5% of their qualifying wealth annually. The Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory, traditionally set at the value of 85 grams of gold or 595 grams of silver.
Zakatable assets include gold, silver, cash, business inventory, stocks, rental income, and agricultural produce. Deductible liabilities include immediate debts, unpaid bills, and essential expenses. The Zakat year follows the lunar (Hijri) calendar, so ensure you calculate based on one full lunar year of ownership.
This calculator provides a general estimate. For complex financial situations involving partnerships, mutual funds, or multi-currency holdings, it is recommended to consult a qualified Islamic scholar or financial advisor who specializes in Zakat calculation.
Understanding Zakat
Zakat is one of the Five Pillars of Islam — an obligatory annual charity paid by eligible Muslims on wealth that has been held for a full lunar year (Hawl) and exceeds the minimum threshold known as Nisab. Zakat purifies wealth and redistributes it to those in need. It is distinct from Sadaqah, which is voluntary charity, and from Zakat al-Fitr, which is paid at the end of Ramadan.
The standard Zakat rate is 2.5% of eligible wealth. Not all wealth is zakatable — the rules differ depending on whether the wealth is in gold, silver, cash, business inventory, agricultural produce, or livestock.
Nisab Threshold Explained
Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. There are two Nisab standards:
- Gold Nisab: equivalent to 87.48 grams of gold. Zakat is owed if your total zakatable wealth equals or exceeds the current market value of 87.48g of gold.
- Silver Nisab: equivalent to 612.36 grams of silver. This threshold is significantly lower in monetary value than the gold Nisab and is considered by many scholars to be the more appropriate standard in modern times as it includes more people and distributes wealth more broadly.
Scholars differ on which Nisab standard to use. Consult your local scholar or trusted Islamic authority for guidance appropriate to your situation.
What Wealth Is Subject to Zakat?
- Cash and bank balances — all liquid savings held for a full year.
- Gold and silver — whether worn as jewelry or stored as investment.
- Business inventory — goods held for sale at their market value.
- Investments and shares — based on underlying zakatable assets.
- Money owed to you — receivables you reasonably expect to collect.
Personal use items like your home, car, furniture, and clothing are not subject to Zakat. This calculator provides an estimate — always verify with a qualified scholar for complex financial situations.
Knowledge Base
The Zakat Calculator computes the obligatory Zakat amount (2.5% of net qualifying wealth) based on Islamic financial principles. It supports Gold, Silver, Cash, Business Assets, and deductible liabilities with Nisab threshold checking.
- 1Enter the value of your Zakatable assets (Gold, Silver, Cash, etc.).
- 2Enter any deductible liabilities (debts, immediate expenses).
- 3Click 'Calculate Zakat' to see if Zakat is due and the exact amount payable.
Your financial information is processed entirely in your browser with zero server communication. Sensitive wealth data remains completely private, and calculations are instant using the standard 2.5% Zakat rate.
What is the Nisab threshold?
Nisab is the minimum amount of wealth a Muslim must have before Zakat becomes obligatory. It's equivalent to 85 grams of gold or 595 grams of silver. Only wealth above the Nisab is subject to Zakat.
What is the Zakat rate?
The standard Zakat rate is 2.5% (1/40th) of your net Zakatable wealth. This applies to savings, gold, silver, business assets, and investments after deducting immediate liabilities.