How this is calculated
Zakatable assets (cash, gold and silver at today's market value, investments at market value, business inventory and receivables, other monetary assets) are summed; debts due now are deducted to give net zakatable wealth. The nisab threshold is 595 g of silver or 85 g of gold multiplied by the price per gram you enter. If net wealth is at or above the nisab, zakat due is 2.5% of the full net amount. Worked example: 10,000 cash + 50 g gold at 100/g (5,000) = 15,000 in assets; minus 1,000 in due debts = 14,000 net; with silver at 1/g the nisab is 595, so zakat is 14,000 × 2.5% = 350. All figures round to two decimals.
Disclaimer: This calculator provides educational estimates only and is not financial, tax, or investment advice. Figures are simplified and may not reflect your full situation — consult a qualified professional before making financial decisions.
Enter your cash, gold, silver, investments, and business assets — in any currency — and see
your net zakatable wealth, today’s nisab threshold from the metal price you enter, and the
2.5% zakat due, computed live. The full method and worked example are on this page, and your
figures never leave your browser.
How to use it
- Enter each asset in your own currency; grams for gold and silver, plus today’s per-gram
price (any bullion site lists it).
- Add debts that are due — they reduce your zakatable wealth.
- Pick the nisab standard (silver is the cautious, widely recommended default) and read off
the result: above nisab → 2.5% of your net wealth.
Understanding the calculation
Zakat applies to monetary wealth held over a lunar year: cash in every form, the two precious
metals, assets held for trade, and investments at what they’d fetch today. Personal-use
property — home, car, clothing — is outside it entirely. The threshold exists so zakat only
falls on genuine surplus: below the value of 595 g of silver (or 85 g of gold, if you follow
that standard), nothing is due. At or above it, the rate is a flat 2.5% of the whole net
amount, not just the part above the line — a common point of confusion this calculator gets
right.
Fiqh positions vary on pensions, long-term debt, and jewelry in personal use. This calculator
takes the mainstream contemporary positions used by major zakat institutions: investments at
market value, debts deducted only as they fall due, and both nisab standards offered with
silver as default. For rulings specific to your school or circumstances — retirement accounts
especially — the right move is a question to a qualified scholar, with these numbers in hand.
The percentage calculator helps with any 2.5%
cross-checks, and the compound interest calculator
shows the year’s growth that next year’s zakat will include.
Private by design
Zakat calculation means listing everything you own. That list never leaves your device here —
the math is JavaScript in your browser, with nothing transmitted or retained.
Frequently asked questions
- What is nisab and which standard should I use?
- Nisab is the minimum wealth at which zakat becomes due: classically 85 grams of gold or 595 grams of silver. Because silver's threshold is much lower, many scholars and zakat bodies recommend it as the cautious default — more people qualify to give, which benefits the poor. This calculator defaults to silver and lets you switch.
- Why do I have to enter the gold and silver price myself?
- Prices move daily and differ by currency and market. Entering today's local price makes the nisab exact for you right now, instead of relying on a stale feed. Any reputable bullion or finance site lists per-gram prices.
- Which assets count, and which don't?
- Counted: cash and bank balances, gold and silver, shares and funds at market value (the common contemporary treatment), business inventory and receivables, and money reliably owed to you. Not counted: your home, car, furniture, and other personal-use possessions. Pension treatment varies by scheme and opinion — ask a scholar for yours.
- Do I deduct my mortgage or long-term loans?
- Opinions differ. The position used here deducts debts due now (or within the coming year), not the entire principal of long-term financing. Many zakat bodies advise deducting only the coming 12 months of installments — a scholar can confirm what applies to your madhhab and situation.
- When during the year do I calculate?
- On your zakat anniversary: one full lunar year (hawl) after your wealth first reached nisab, and annually on that date thereafter. Many people fix it in Ramadan for the ease of remembering and the added reward of giving then.
- Is my financial information stored or sent anywhere?
- No. Everything you enter stays in your browser — nothing is uploaded, logged, or stored.