Calculate your total Zakat (2.5%) on cash, savings, gold, silver, trade assets, and receivables, minus due debts, compared against the gold or silver Nisab threshold.
🕌 Featured ToolsEverything runs locally in your browser — no sign-up required, and no data is ever sent anywhere.
Zakat is an obligatory annual act of worship — distinct from voluntary charity (Sadaqah) — due at 2.5% on qualifying wealth held for a full lunar (Hijri) year, known as Hawl. This calculator adds cash, savings, the market value of gold and silver (excluding jewelry kept purely for personal daily wear, per the view many scholars follow), trade goods, and money owed to you, then subtracts debts due now. The result is compared against the Nisab threshold — the minimum wealth level below which Zakat is not obligatory, traditionally set at the value of 85 grams of gold or 595 grams of silver. This dual-standard Nisab is documented in classical Fiqh sources and modern references such as the AAOIFI Shari'a Standards on Zakat. If total zakatable wealth meets or exceeds the chosen Nisab, 2.5% of the full amount becomes due, not merely the portion above the threshold. The Hawl condition means a snapshot of wealth on a single day is not enough on its own — the amount must have remained at or above the Nisab continuously throughout the lunar year for Zakat to apply, which is why many people fix one recurring date, often in Ramadan, to review their accounts and settle the calculation consistently every year.
Zakat is one of the five pillars of Islam, and calculating it correctly matters both for religious obligation and for peace of mind. Many people find the process confusing because wealth today is spread across several forms: a bank balance, a savings account, some gold jewelry, a portfolio of stocks, or a small trading business. This Zakat calculator was built to bring all of those sources together into a single, transparent calculation.
The first step in practice is timing. Zakat becomes due once a specific amount of wealth has been in your possession continuously for one full Hijri year — this is the concept of Hawl. Many people choose a fixed date each year, often during Ramadan, to review their finances and pay Zakat, which makes it easier to remember and track from one year to the next.
The second step is totaling every zakatable asset: cash on hand, money in bank accounts, gold and silver you own beyond what is worn daily, the market value of any goods held for trade, and money that others owe you and that you are confident you will receive. From this total, subtract debts that are currently due, such as a bill or a loan installment owed right now — long-term debts not yet due are generally not subtracted in full.
The third step is comparing the net figure against the Nisab. Two traditional standards exist: 85 grams of gold or 595 grams of silver. Because gold and silver prices move independently, the two standards can give different thresholds at any given time; some scholars recommend the silver standard because it is lower and therefore benefits more recipients of Zakat, while others prefer the gold standard for consistency with how Zakat has historically been discussed. This calculator lets you pick either one.
Finally, if your wealth meets or exceeds the Nisab, the Zakat rate is a straightforward 2.5% of the entire zakatable amount — not just the portion above the threshold. Keeping a simple annual record of the numbers you enter here also makes next year's calculation faster, and helps you see how your Zakat obligation changes as your savings, investments, and gold holdings evolve over time.
Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes obligatory. It is traditionally set at the value of 85 grams of gold or 595 grams of silver — whichever standard you select in this calculator.
This is a point where scholars differ. Many hold that jewelry used for regular personal wear is exempt, while others include it. This calculator asks for gold not kept for daily personal use; if you follow the view that includes worn jewelry, simply add its weight to the gold field.
Money you have lent that you genuinely expect to be repaid is generally counted as part of your zakatable wealth and should be included in the receivables field.
The standard rate is 2.5% (1/40) of the total amount held for a full lunar year, once that amount is at or above the Nisab threshold.
If your due debts bring your net zakatable wealth below the Nisab threshold, Zakat is not obligatory for that year. Enter your outstanding debts in the debt field so the calculator can subtract them automatically.