بِسْمِ اللَّهِ الرَّحْمَنِ الرَّحِيمِ

Zakat Calculator

Calculate your Zakat accurately based on authentic Islamic principles from the Quran and Sunnah

Current Nisab Threshold

Gold Nisab (87.48g)
$13,295
~87.48 grams of pure gold
Silver Nisab (612.36g)
$612
~612.36 grams of pure silver
🪙
Gold & Silver
Jewelry, bars, coins & ornaments
0
Note on jewelry: According to the Hanafi school, Zakat is due on ALL gold and silver, including personal jewelry. The Shafi'i, Maliki, and Hanbali schools generally exempt jewelry worn regularly for personal use. Choose the view that aligns with your school of thought.
Exempt from Zakat in Shafi'i/Maliki/Hanbali schools; zakatable in Hanafi school
If you know the cash value instead of weight
💵
Cash & Bank Savings
Cash, accounts, deposits & receivables
0
Include principal only. Interest earned should be given away separately (as it is not halal income).
Include debts owed TO you that you expect will be repaid
📈
Stocks & Investments
Shares, funds, retirement & bonds
0
Actively traded stocks (bought/sold frequently): Zakat on full market value at 2.5%.
Long-term investment stocks (held 1+ year): Scholars recommend 25-30% of value as the zakatable portion (liquid assets of the company), then pay 2.5% on that.
Retirement funds (401k, IRA, pension): Opinions vary. Most scholars say pay on the accessible/withdrawable amount.
2.5% of full market value (treated like trade goods)
Calculator uses 25% of value × 2.5% (IFG method for passive holdings)
25% of value × 2.5% for equity funds; property/sukuk funds — only rental income is zakatable
₿
Cryptocurrency & Digital Assets
Bitcoin, Ethereum, tokens & NFTs
0
Scholarly consensus: Cryptocurrencies like Bitcoin and Ethereum are treated as zakatable wealth (similar to currency or trade goods). Use the market value on your Zakat calculation date. Lost/inaccessible crypto is not zakatable.
Include altcoins, DeFi positions, staked tokens you can access. Exclude utility tokens used only for services.
Only include if held to resell. Personal-use NFTs (art for enjoyment) are generally exempt.
🏢
Business Assets
Inventory, receivables & trade goods
0
Fixed assets (machinery, equipment, vehicles used in business) are NOT zakatable. Zakat applies only to liquid assets: inventory, cash, receivables, and goods for resale. Value inventory at wholesale price on your Zakat due date.
Value at wholesale price, not retail, per majority opinion
🏠
Property & Real Estate
Rental income & property for resale
0
Your personal home is NOT subject to Zakat. Rental property itself is not zakatable — only the net rental income is. Property bought to resell (flipping) is zakatable at full market value like trade goods.
Rental income minus maintenance, mortgage payments, taxes, and other expenses
Only include if you bought the property with the intention to resell for profit
🌾
Agricultural Produce
Crops, grains, fruits — if applicable
0
Agricultural Zakat is different from wealth Zakat. It is due at harvest time (not after a lunar year). The Nisab is 5 Wasaq (~612-653 kg). Rate: 10% for rain-fed crops, 5% for artificially irrigated crops.
Agricultural Zakat is calculated separately and added to your total.
📋
Liabilities & Deductions
Debts, loans & expenses due
0
Deductible debts: Only debts and payments that are immediately due or due within the year can be deducted. Long-term mortgage is generally deducted only for the current year's installments. Personal taxes (income tax, road tax) are NOT deductible.
Only deduct payments due within this Zakat year, not the entire mortgage balance
Utilities, immediate necessary expenses, etc.

Your Zakat Summary

Gold & Silver0
Cash & Savings0
Stocks & Investments0
Cryptocurrency0
Business Assets0
Property & Real Estate0
Agricultural Produce0
− Liabilities Deducted0
Total Zakatable Wealth0
Nisab Threshold Used0
Your Zakat Due (2.5%) 0

About Zakat

"Take from their wealth a charity by which you purify them and cause them increase, and invoke Allah's blessings upon them."
— Quran 9:103

Zakat is one of the Five Pillars of Islam — a mandatory annual obligation for every sane, adult Muslim whose net wealth exceeds the Nisab threshold for one complete lunar year (Hawl). It serves to purify wealth, assist those in need, and strengthen the bonds of the Muslim community.

The rate of Zakat on wealth is 2.5% (1/40th). Agricultural Zakat is 5% or 10% depending on the irrigation method, and is due at harvest rather than after a full year.

Zakat is distributed to eight categories of recipients specified in Surah At-Tawbah (9:60): the poor, the needy, Zakat administrators, those whose hearts are to be reconciled, freeing captives, those in debt, in the cause of Allah, and the stranded traveler.

Important Notes

• Your personal home, car, furniture, and clothing are NOT subject to Zakat.
• Precious stones (diamonds, rubies, etc.) are NOT zakatable unless held for trade.
• Zakat is calculated on a lunar year basis. Many Muslims pay during Ramadan.
• Zakat cannot be given to your spouse, parents, grandparents, or children.
• Always consult a qualified Islamic scholar for complex situations.

Frequently Asked Questions

What is Zakat and who must pay it? ▼
Zakat is one of the Five Pillars of Islam — a mandatory annual charity. Every sane, adult Muslim whose net wealth exceeds the Nisab threshold for one complete lunar year (Hawl) must pay 2.5% of their zakatable wealth. It purifies your wealth and is a right of the poor upon the wealthy.
What is the Nisab threshold for 2026? ▼
Nisab is based on 87.48 grams of gold or 612.36 grams of silver. The cash equivalent fluctuates with market prices. Most scholars recommend using the silver standard as it is more inclusive and cautious.
How do I calculate Zakat on gold jewelry? ▼
Multiply the weight in grams by the karat purity factor (e.g., 21K ÷ 24 = 0.875), then multiply by the current gold price per gram. Zakat is 2.5% of this value. The Hanafi school requires Zakat on all gold including personal jewelry, while other schools may exempt jewelry worn regularly.
Is Zakat due on cryptocurrency like Bitcoin? ▼
Yes. Most contemporary scholars agree that cryptocurrencies are zakatable — treated as wealth similar to currency. Calculate 2.5% of total market value on your Zakat due date. Lost or inaccessible crypto is not zakatable.
Do I pay Zakat on my house or car? ▼
No. Personal-use assets like your home, car, furniture, and clothing are NOT subject to Zakat. However, property purchased to resell for profit is zakatable at full market value.
Can I deduct my debts when calculating Zakat? ▼
Yes, you can deduct debts immediately due or due within the current year. For long-term loans like mortgages, only the installments due within your Zakat year are deductible. The Shafi'i school generally does not allow debt deductions.
How is Zakat calculated on stocks? ▼
Actively traded stocks: 2.5% on full market value. Long-term holdings: many scholars recommend the 25% method — take 25% of portfolio value (approximating liquid assets) and pay 2.5% on that amount.
When should I pay my Zakat? ▼
Zakat is due once a full lunar year (Hawl) has passed since your wealth first exceeded the Nisab. Many Muslims choose Ramadan for increased rewards. Pay on the same Hijri date each year.
What is the difference between Zakat and Sadaqah? ▼
Zakat is obligatory (fard) — a fixed 2.5% paid once a year to specific categories of recipients. Sadaqah is voluntary charity that can be any amount, given at any time, to anyone in need.
What if I missed Zakat for previous years? ▼
You must calculate and pay it retroactively for each missed year. Estimate your wealth at the end of each lunar year and pay 2.5%. Sincere repentance (tawbah) alongside paying the outstanding amount is recommended.
Disclaimer: This calculator is a tool to assist with Zakat estimation based on generally accepted Islamic principles. It should not replace consultation with a qualified Islamic scholar, especially for complex financial situations. Metal prices shown are approximate — please verify with current market rates. Different schools of Islamic jurisprudence may have varying rulings on certain categories.