Zakat Calculator
Calculate your annual Zakat obligation
Nisab Threshold
Nisab values are approximate. Update them with current market prices.
Your Assets (USD)
Liabilities (deducted)
This calculator provides an estimate. Consult a qualified scholar for your specific situation.
Who Can Receive Zakat?
“Zakat is only for the poor, the needy, those who administer it, those whose hearts are to be reconciled, to free those in bondage, to help those in debt, in the cause of Allah, and for the stranded traveller.” — Quran 9:60
What Is Zakat?
Zakat (Arabic: زَكَاة) is the third pillar of Islam — an obligatory annual charity paid on wealth that has exceeded the nisab threshold and been held for a full lunar year (hawl). The word itself means both "purification" and "growth," reflecting the belief that giving cleanses the remaining wealth of spiritual impurity and earns divine increase. The Quran commands: "Take from their wealth a charity by which you purify them and cause them to increase." (9:103). Zakat is mentioned alongside Salah over 80 times in the Quran, making it the inseparable companion of prayer in Islamic practice.
Understanding the Nisab Threshold
The nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. There are two nisab measures: the gold nisab (equivalent to 85 grams of pure gold) and the silver nisab (equivalent to 595 grams of pure silver). Because gold and silver prices diverge significantly in modern markets, choosing between them matters. The silver nisab is currently much lower in monetary value, which means more people fall within the obligation — many scholars recommend it as the more socially beneficial and cautious choice. If your total zakatable assets meet or exceed the nisab and have been in your possession for a full lunar year, 2.5% is due.
What Assets Are Subject to Zakat?
Zakat applies to: cash and bank balances, gold and silver (including jewellery held for investment), stocks and shares, business inventory, agricultural produce (at different rates), and money owed to you that you expect to receive. It does not apply to your primary home, personal vehicle, household furniture, or professional tools. Debts you owe can be deducted from your zakatable total — only your net zakatable wealth is assessed.
Common Mistakes When Calculating Zakat
The most frequent errors include: forgetting to include all forms of savings (including foreign currency accounts), not deducting genuine debts, mixing up Zakat on gold jewellery with trade gold, and calculating based on the Gregorian year instead of the lunar hawl. Zakat al-Fitr — a separate, smaller obligation due before Eid al-Fitr — is distinct from annual Zakat al-Mal and must be calculated and paid separately. Always use the nisab value at the time your hawl completes, not the value at the time you first accumulated the wealth.