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Zakat Calculator.
Calculate your annual Zakat in minutes. Works for cash, gold, silver, investments, and business assets — in any currency. Your data stays in your browser.
خُذْ مِنْ أَمْوَالِهِمْ صَدَقَةً تُطَهِّرُهُمْ وَتُزَكِّيهِم بِهَا
"Take from their wealth a charity by which you purify them and cause them to increase in goodness."
New to Zakat? Read this first ▾
Zakat is one of the five pillars of Islam — an annual obligatory charity of 2.5% of your zakatable wealth, paid once your wealth has stayed above a threshold (the nisab) for one full lunar year (the hawl).
What's zakatable?
- Cash, savings, and bank balances
- Gold and silver (jewelry included)
- Investments — stocks, mutual funds, crypto
- Business inventory at market value
- Money owed to you (likely to be paid)
What's NOT zakatable?
- Your home (primary residence)
- Your personal car
- Furniture and personal belongings
- Tools you use to work
- Money you owe to others (deductible)
Disclaimer: This calculator is an educational aid. For complex situations (business shares, pension funds, inheritance), please consult a qualified scholar.
Detailed breakdown
How your Zakat is calculated.
| 💵 Cash & Bank | $0.00 |
| 🪙 Gold (after karat purity) | $0.00 |
| 🥈 Silver | $0.00 |
| 📈 Investments | $0.00 |
| 🏢 Business assets | $0.00 |
| Total assets | $0.00 |
| − Liabilities | $0.00 |
| Net wealth | $0.00 |
| Nisab threshold (silver) | $0.00 |
| Above nisab? | — |
| Hawl confirmed? | — |
| Zakat due (2.5%) | $0.00 |
Common questions
Zakat explained.
Quick answers to the questions we hear most often.
What exactly is nisab?
Nisab is the minimum wealth threshold below which Zakat is not obligatory. It's defined by the Prophet ﷺ as the value of 87.48 grams of gold OR 612.36 grams of silver. Most contemporary scholars recommend using the silver nisab because it gives a lower threshold, meaning more wealth qualifies for Zakat — and more deserving people receive it.
What is hawl?
Hawl is the requirement that your wealth must stay above the nisab for one full Islamic (lunar) year — roughly 354 days. If your wealth dips below nisab during the year, the clock resets when it goes back above.
Should I use gold or silver nisab?
Most scholars today recommend silver nisab — it leads to a lower threshold and thus more Zakat being paid to those in need, which aligns with the spirit of the obligation. Some scholars (particularly Hanafi) accept gold nisab for someone who has no silver. Use what your trusted local scholar advises.
Is jewelry zakatable?
There is scholarly disagreement. The majority view (Maliki, Shafi'i, Hanbali) is that gold/silver jewelry above personal-use quantity is zakatable. The Hanafi view is that all gold and silver — including all jewelry — is zakatable. This calculator includes all gold/silver weight you enter.
Is my house or car zakatable?
No. Your primary residence, personal car, furniture, clothing, and tools you use to earn a living are not zakatable. Property held with the intention to sell, however, is zakatable at its market value.
What about money owed to me?
If the debt is likely to be repaid (a friend's loan, an invoice from a reliable client), it is zakatable now. Bad debts (unlikely to be recovered) are not — pay Zakat when received.
Can I deduct my mortgage?
Most contemporary scholars allow you to deduct the next 12 months' worth of mortgage payments — not the full outstanding balance. Use that as the figure for "long-term debts" in this calculator.
Are stocks and crypto zakatable?
Yes. For long-term investments, Zakat is on the current market value. For short-term trading, treat it like business inventory — also at market value. The same applies to cryptocurrency.
Is pension money zakatable?
Only the portion you can actually access. If your pension is locked until retirement, most scholars say no Zakat until you can withdraw. If you can access it now (with penalty), it is zakatable.
When should I pay Zakat?
Once your wealth has stayed above nisab for one full lunar year. Many people pick a fixed Islamic date (e.g. 1st Ramadan) each year to make tracking simpler.