Zakat Calculator
Add up your zakatable wealth, compare it with the nisab, and get the 2.5% due — all computed on your device. Nothing you type is sent anywhere.
Your assets
Deductions & nisab
- Zakatable wealth
- 0 USD
- Nisab (silver)
- 714 USD
Your wealth is below the nisab — no zakat is due. Voluntary charity (sadaqah) is always rewarded.
Zakat is due after one lunar year (hawl) above the nisab. This calculator covers the common cases; for complex holdings, ask a qualified scholar.
How to calculate your Zakat
Zakat is the third pillar of Islam — an annual act of worship that purifies your wealth and restores the right of the poor within it. This guide explains who pays, on what, and how much.
What is Zakat?
Zakat is an obligatory annual charity of 2.5% on qualifying wealth. The Arabic word carries two meanings — “purification” and “growth” — because giving it purifies the remainder of your wealth and causes it to be blessed.
It is not a tax or an optional donation, but a due that the poor rightfully hold over the wealth Allah has entrusted to you.
Who must pay Zakat?
Zakat is obligatory on every Muslim who is adult, of sound mind, and who owns wealth above the nisab threshold that has been held for one full lunar year (the hawl).
The nisab — the minimum threshold
The nisab is the minimum wealth that makes Zakat obligatory. It equals the value of 85 grams of gold or 595 grams of silver.
Many scholars recommend the silver nisab because it is lower: it means Zakat becomes due on smaller amounts, so more reaches those in need. If your zakatable wealth stays above the nisab for a full lunar year, Zakat is due.
What wealth is zakatable?
Your home, personal car, clothing, furniture and the tools of your trade are not zakatable, because they are for personal use rather than for growth.
- Cash in hand, bank accounts and savings
- Gold and silver — whether jewellery, coins or bullion
- Money in shares, funds or crypto held for growth
- Business inventory, trade goods, and money owed to you
- Agricultural produce and livestock (which have their own separate rules)
How the calculation works
Add up all your zakatable assets, subtract short-term debts that are due now, and compare the total with the nisab. If it meets or exceeds the nisab, your Zakat is 2.5% — one-fortieth — of the total.
Who can receive your Zakat?
The Quran names eight categories of recipients (Surah At-Tawbah 9:60):
- The poor (al-fuqarā’)
- The needy (al-masākīn)
- Those employed to administer it
- Those whose hearts are to be reconciled
- Freeing those in bondage
- Those burdened with debt
- In the cause of Allah (fī sabīlillāh)
- The stranded traveller
Common Zakat questions
Zakat is 2.5% (one-fortieth) of your total zakatable wealth, once it has remained above the nisab for a full lunar year.
Not on income as you earn it, but on the savings you still hold when your Zakat year completes. Whatever you spend or give during the year is not counted — only what remains above the nisab.
Scholars differ. Many hold that gold and silver are always zakatable, even when worn; others exempt jewellery in regular use. Follow the position of a scholar you trust.
Either is valid, but the silver nisab is lower, so using it means Zakat is due on smaller wealth — which benefits the poor. This calculator lets you choose.
Yes — immediate, short-term debts due now are subtracted before comparing with the nisab. Long-term debts such as a mortgage are usually not deducted in full; ask a scholar about your case.