Zakat Calculator — Annual Obligatory Almsgiving
Zakat is one of the five pillars of Islam — an annual obligation of 2.5% on savings and assets held above the nisab threshold for a full lunar year. Enter your cash, gold and silver, investments, business assets, receivables and debts to calculate your Zakat due.
Nisab standard
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$
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2.5% of zakatable wealth — above the nisab threshold
Total assets
$17,000Cash & bank
58.8%
Gold & silver
11.8%
Investments
29.4%
- 1
Gross zakatable wealth
10,000 + 2,000 + 5,000 + 0 + 0 = 17,000 - 2
Net zakatable wealth
17,000 − 0 = 17,000 - 3
Zakat due (2.5%)
17,000 × 2.5% = 425
How does this calculator work?
Zakat = 2.5% of net zakatable wealth (cash, gold, silver, investments, business inventory, receivables minus immediate debts) if held above the nisab threshold for one lunar year. Gold nisab ≈ 85g of gold, silver nisab ≈ 595g of silver. Update the nisab with current metal prices for accuracy.
Formula
How this is calculated
Zakat (Arabic: زكاة) is calculated on wealth that has been held above the nisab minimum for one complete lunar year (the hawl). The nisab is the minimum wealth threshold below which Zakat is not obligatory. There are two standards: the gold nisab (85 g of gold, favoured by most contemporary scholars and Islamic finance bodies) and the silver nisab (595 g of silver, which sets a lower threshold). The monetary values used in this calculator are 2025 estimates based on market gold and silver prices — update the nisab field with the current price from a reliable source.
Zakatable assets include cash and bank deposits, gold and silver held as savings or investment (jewellery purely for personal adornment is exempt under many scholarly opinions, though this is debated), tradeable business inventory, shares and equity investments (at market value), and receivables likely to be recovered. Fixed business assets (machinery, property not held for trade), personal residence, furniture, and vehicles for personal use are generally not zakatable. Short-term debts due within the year may be deducted; most scholars do not allow deduction of long-term mortgage balances.
This calculator provides an estimate; individual circumstances vary and Zakat involves nuanced scholarly opinions on many asset types. Consult a qualified scholar or Islamic finance institution for rulings specific to your situation, especially for pensions, trade debts, agricultural income, and shares in mixed businesses.
Frequently asked questions
The gold standard (85g) is used by most contemporary Islamic finance bodies, including AAOIFI and many national Fatwa councils, and results in a higher threshold (less Zakat obligation). The silver standard (595g) is a lower threshold and therefore obligates Zakat on a broader group. In general, using the silver nisab is considered more cautious (more charitable), while the gold nisab is the dominant contemporary scholarly position.
Scholarly opinion varies. Some hold that employer-managed defined-benefit pensions are not zakatable until the funds are accessible. Others say Zakat is owed on the accessible portion each year. For self-managed accounts (like a 401k or SIPP that can be drawn down), many scholars calculate Zakat on the current market value, sometimes discounting for expected taxes. Seek a specific ruling from a qualified scholar.
Your primary residence is not zakatable. Rental property is not directly zakatable (it is a fixed asset), but the rental income received is added to your cash and may be zakatable if you hold it above the nisab for a year. Property held purely for resale (trading) is zakatable as a business asset at market value.
Also known as
TG we-Calculate Editorial Team. (2026). Zakat Calculator — Annual Obligatory Almsgiving [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/zakat-calculator
TG we-Calculate Editorial Team. "Zakat Calculator — Annual Obligatory Almsgiving." TG we-Calculate. 2026. https://we-calculate.com/calculator/zakat-calculator.
TG we-Calculate Editorial Team, "Zakat Calculator — Annual Obligatory Almsgiving," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/zakat-calculator
@misc{wecalculate_zakat_calculator, title = {Zakat Calculator — Annual Obligatory Almsgiving}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/zakat-calculator}}, year = {2026}, note = {TG we-Calculate} }
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