Zakat Calculator
Add up your cash, gold, silver, and investments, subtract what you owe, and see instantly whether you’ve reached Nisab and exactly how much Zakat is due — all worked out on your own screen.
- Gold & silver Nisab standards, both built in
- 2.5% Zakat rate, correctly applied
- Privacy focused — runs in your browser
- Download or print your result
- No sign-up required
This calculator runs entirely in your browser. Nothing you enter is sent anywhere or stored on our servers.
Calculate your Zakat
Enter what you own below. This tool totals your zakatable assets, subtracts short-term debts, compares the result to the current Nisab threshold, and works out what’s due at 2.5%.
Cash & Savings
Gold, Silver & Business
What Is a Zakat Calculator?
A Zakat calculator is a tool that totals your zakatable wealth — cash, gold, silver, business stock, and eligible investments — subtracts any short-term debts you owe, and checks the result against the Nisab: the minimum amount of wealth a Muslim must hold before Zakat becomes obligatory.
Zakat is the third pillar of Islam: a fixed 2.5% share of qualifying wealth given annually once that wealth has been held for one full lunar year (the hawl) and meets or exceeds Nisab. Getting the arithmetic right matters — this tool handles the addition, the Nisab comparison, and the 2.5% calculation so you can focus on which assets to include.
- Enter your assets. List cash, savings, gold and silver weight, investments, and business inventory above.
- Subtract short-term debts. Deduct only debts and bills due now — not long-term loans like a mortgage balance.
- Compare to Nisab. Your net wealth is checked against the gold or silver Nisab threshold you select.
- See what’s due. If your wealth meets or exceeds Nisab and has been held for one lunar year, the 2.5% rate is applied and the exact amount owed is shown.
- Save your result. Copy, print, or download it for your own records.
How This Zakat Calculator Works
Not sure what to enter?
Tap any situation below for a quick answer on where it goes in the calculator above.
“I have gold jewelry”
Weigh it and enter the total grams in the Gold field. Some scholars exempt jewelry worn for personal use rather than held as savings — see the FAQ below if that applies to you.
“I own business stock or inventory”
Enter its current market value (what it would sell for today, not what you paid) in the Business inventory field.
“I have a loan or debt”
Only enter debts and bills due right now in the Short-term debts field — not the full remaining balance of a mortgage or long-term loan.
“I have money invested in stocks or funds”
Enter the current market value of halal-compliant holdings in the Investments field.
“Someone owes me money”
If you genuinely expect to collect it, enter it in the “Money owed to you” field. Money you don’t expect to recover is typically left out until it’s actually received.
What Should a Zakat Calculation Include?
- Cash at home and in bank accounts
- Savings and fixed deposits
- Gold and silver, by weight (jewelry rules vary by school)
- Halal stocks, funds, and investment accounts
- Business inventory and trade goods at market value
- Money owed to you that you expect to collect
- Short-term debts and bills due right now (subtracted)
- One full lunar year of continuous ownership (hawl)
Worked Example
Here’s how the logic plays out for someone with mixed assets, using the silver Nisab.
| Item | Value |
|---|---|
| Cash & savings | $8,000 |
| Gold (20g at $85/g) | $1,700 |
| Investments | $3,000 |
| Less: short-term debts | −$500 |
| Net zakatable wealth | $12,200 |
| Silver Nisab (612.36g at ~$1.05/g) | ≈ $643 |
| Zakat due (2.5% of $12,200) | $305.00 |
Zakat Calculator by Situation
Salaried individuals
Mostly cash and savings — the simplest case. Just total your bank balances and subtract any bills due.
Business owners
Add inventory at current market value, plus receivables you genuinely expect to collect, before applying the 2.5% rate.
Gold & jewelry owners
Enter total grams owned. Note that some schools exempt personal-use jewelry — check the FAQ below before including it.
Best Practices for Calculating Zakat
Use a consistent Nisab standard every year rather than switching between gold and silver to reduce what you owe. Value gold, silver, and investments at their price on your Zakat due date, not the price when you acquired them. If you’re unsure which fiqh position applies to your situation — particularly around jewelry, retirement accounts, or receivables — the Assembly of Muslim Jurists of America publishes detailed, scholar-reviewed answers on Zakat on gold and silver that are worth reading before you finalize your calculation.
Methodology: calculations follow the standard 2.5% Zakat rate applied to net zakatable wealth at or above Nisab, using the widely accepted 87.48g gold / 612.36g silver thresholds. Reviewed for calculation accuracy by the IslamicEduHub team.
Last updated: September 2026. This tool does not issue independent fiqh rulings — see the FAQ and linked scholarly resources above for questions on jewelry, madhhab differences, and other fiqh-sensitive details.
Common Zakat Calculation Mistakes
- Assuming the hawl always restarts the same way. If your wealth drops below Nisab during the year, most scholars hold that the one-year clock restarts once you’re back above it — but rulings differ on the details. Confirm with a qualified scholar if this applies to your situation.
- Deducting long-term debts in full. Only the portion due within the year is subtracted, not the full mortgage or loan balance.
- Using outdated gold or silver prices. Nisab moves with the market — recalculate the gram value close to your Zakat due date.
- Applying Nisab per category instead of combined. Cash, gold, silver, and business assets are added together first, then compared once to Nisab.
- Skipping business inventory. Trade goods held for resale are zakatable at their current market value, not their purchase cost.
Frequently Asked Questions
How accurate is this Zakat calculator?
It applies the standard 2.5% rate and the widely accepted gold (87.48g) and silver (612.36g) Nisab weights to the figures you enter. Accuracy depends on entering correct current gold/silver prices and asset values — the arithmetic itself is performed exactly as specified.
Should I use the gold or silver Nisab?
Most contemporary scholars and fatwa bodies recommend the silver Nisab for cash and savings, since it’s the lower threshold and ensures more zakatable wealth reaches those in need. Some scholars prefer the gold Nisab as a more conservative standard. You can toggle between both above.
Does the toggle above follow a specific madhhab?
No — the toggle switches which Nisab standard (gold or silver) is used, which is a choice available across schools of thought, not a full madhhab-specific rule set. Differences between the Hanafi, Shafi’i, Maliki, and Hanbali schools on questions like personal jewelry or business assets aren’t automated here; where those differences matter to your situation, the FAQ below flags it and a qualified scholar can confirm which view to follow.
Does it include personal jewelry?
By default, all gold and silver you enter is treated as zakatable. Some scholars exempt jewelry worn for personal use rather than held as savings — if that applies to you, you may choose to exclude it before entering your gold weight.
What debts can I subtract?
Only short-term debts and bills currently due — not the full balance of a long-term loan or mortgage. The debts field is meant for immediate liabilities only.
Is my data saved when I use this tool?
No. Everything runs entirely in your browser using local JavaScript. Nothing you type is transmitted, logged, or stored on any server.
Do I need to hold my wealth for a full year first?
Yes. Zakat is due only once your net zakatable wealth has remained at or above Nisab for one full lunar year (the hawl). This shows what would be owed on the figures you enter; you still need to confirm your own hawl date separately.
Related Reading
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