العربية

Zakat calculator

Add up your zakatable wealth, compare it with the nisab at today’s gold or silver price, and see the 2.5% due.

Nisab based on

Result

Enter your numbers to see the result.

Scholars differ on some items, such as jewellery worn for personal use and long-term debts. This tool uses the common method; ask a trusted scholar about your own case.

How to use it

  1. Pick the currency you keep your savings in.
  2. Enter what you own: cash, gold and silver, investments, business stock and money owed to you. Then enter debts you must pay now.
  3. Choose gold or silver for the nisab. The price per gram is filled in from reference data; replace it with your local price if you prefer.

The formula

Zakat = 2.5% × (Assets − Debts due), if Assets − Debts ≥ Nisab

Nisab is the value of 85 g of pure gold or 595 g of pure silver. Zakat is due on wealth at or above the nisab that you have held for a full lunar year (hawl).

Worked example

You have 20,000 in cash, gold worth 5,000 and shares worth 10,000, and you owe 3,000 due now.

Net zakatable wealth: 20,000 + 5,000 + 10,000 − 3,000 = 32,000.

If 24k gold costs 70 per gram, the nisab is 85 × 70 = 5,950. Your wealth is above it, so zakat is 32,000 × 2.5% = 800.

Assumptions

  • The rate is 2.5% (one fortieth) of net zakatable wealth.
  • The gold and silver reference prices are derived from central-bank and official data via Frankfurter, and refreshed at most hourly.
  • Only debts you must pay now are subtracted; the calculator leaves the scholarly detail on long-term debts to you.

Common mistakes

  • Using the price of 21k or 18k gold for the nisab. The nisab is defined in pure (24k) gold.
  • Counting your home, car or personal belongings. Items for personal use are not zakatable wealth.
  • Forgetting the lunar year. Zakat is due when the hawl completes, not on the day wealth first reaches the nisab.

Questions

Gold or silver nisab — which should I use?

Both are classical measures. The silver nisab is much lower, so more people pay zakat under it; many scholars recommend it for cash as the more cautious choice. Follow the opinion you trust.

Is jewellery I wear zakatable?

Scholars differ. Some count jewellery worn for personal use, others exclude it. Enter it under gold and silver if you follow the first view.

Is this calculator a fatwa?

No. It applies the common method to the numbers you enter. For your own situation, ask a scholar you trust.

Estimates only. Your actual figures depend on the provider’s terms.