Zakat Calculator
Calculate your annual Zakat obligation based on your total assets and liabilities. Includes nisab threshold check, per-category breakdown, and support for multiple currencies. Your data stays private — everything runs in your browser.
How the Zakat Calculator Works
Zakat is one of the Five Pillars of Islam, requiring every eligible Muslim to donate 2.5% of their qualifying wealth to those in need each year. This calculator helps you determine whether your net assets meet the nisab threshold and, if so, exactly how much Zakat you owe across every asset category. All calculations happen instantly in your browser with zero data sent to any server.
To use the calculator, enter your assets across each category — cash and bank savings, gold, silver, stocks, business inventory, rental income, and any other holdings. Then enter your total liabilities including debts, outstanding loans, and unpaid bills. The calculator subtracts your liabilities from your total assets, compares the result against both the gold-based and silver-based nisab thresholds, and computes your Zakat at the standard 2.5% rate.
Formula
If Net Assets ≥ Nisab Threshold:
Zakat Due = Net Zakatable Assets × 2.5%
If Net Assets < Nisab Threshold:
Zakat Due = 0 (not obligatory)
What Is Nisab and How Is It Calculated
Nisab is the minimum threshold of wealth a Muslim must possess before Zakat becomes obligatory. There are two standards for determining nisab, based on the value of gold or silver. The gold nisab is the market value of 87.48 grams (approximately 3 ounces) of pure gold. The silver nisab is the market value of 612.36 grams (approximately 21.5 ounces) of pure silver. Since gold and silver prices fluctuate, the nisab amount changes accordingly.
Most contemporary scholars recommend using the silver-based nisab because it results in a lower threshold, meaning more people qualify to pay Zakat and more wealth is redistributed to those in need. However, some scholars prefer the gold standard. This calculator displays both thresholds so you can follow the opinion of your preferred school of jurisprudence. If your net assets exceed either threshold, you are encouraged to pay Zakat on your entire net zakatable wealth.
Which Assets Are Zakatable
Not all wealth is subject to Zakat. Zakatable assets include cash in hand and in bank accounts, gold and silver (jewelry, coins, and bars), stocks and investment portfolios at market value, business inventory intended for trade, rental income received, mutual funds, and cryptocurrency holdings. Personal items such as your primary residence, personal vehicle, clothing, furniture, and tools of your trade are generally exempt from Zakat.
Debts you owe to others are subtracted from your total assets before calculating Zakat. This includes outstanding loans, credit card balances, unpaid bills, and any financial obligations due within the year. The remaining amount after deducting liabilities is your net zakatable wealth, and Zakat is calculated at 2.5% of this figure.
When to Pay Zakat
Zakat becomes due once a full lunar year (hawl) has passed since your wealth first reached or exceeded the nisab threshold. Many Muslims choose to calculate and pay their Zakat during Ramadan because rewards for good deeds are multiplied during this blessed month. However, Zakat can be paid at any time of year as long as it is calculated on wealth held for a complete lunar year. Some scholars permit paying Zakat in advance if you anticipate meeting the threshold. It is important to set a consistent annual date for your Zakat calculation to avoid missing the obligation.