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Zakat calculator

Calculate annual zakat across cash, investments, crypto, pensions, gold, silver, business assets, and liabilities. Everything stays in your browser.

Session only — debts will be cleared when you close this tab.
Cash & bank
Investments

Bonds are conventional debt instruments. Users following Islamic finance principles may prefer to exclude them.

Crypto
Zakat treatment of crypto holdings

Counted 100% at the 2.5% rate. Position held by scholars who classify crypto as stock-in-trade.

Counted 100% at the 2.5% rate. Position held by scholars who classify crypto as currency-equivalent wealth.

Not counted. Position held by scholars who consider crypto outside the categories zakat applies to.

Pensions & retirement
Zakat treatment of pension holdings

Counts both vested and un-vested / defined-benefit values as zakatable.

Counts only the portion you can currently draw (e.g. SIPP, vested employer match).

Counts nothing until pension funds are actually received in hand.

Gold

Update with your current market price

Silver

Update with your current market price

Business assets
Inventory valuation basis

Values inventory at what you paid (purchase price). More conservative.

Values inventory at today's resale value.

Liabilities
Zakat treatment of long-term debts

Deducts immediate debts due within this hawl year. Doesn't deduct long-term outstanding principal.

Deducts immediate debts plus full long-term debt balance (e.g. mortgage principal).

Deducts immediate debts only. Treats long-term debts as separate from zakat calculation.

Nisab basis

612.36 g of silver. Favoured by most contemporary positions because a lower threshold means more people pay, benefiting recipients.

87.48 g of 24k gold. Higher threshold; fewer people above it in absolute wealth terms.

About Zakat

Zakat (Arabic: زكاة) is one of the Five Pillars of Islam. It is an obligatory annual charitable contribution paid by eligible Muslims on wealth that has been held for at least one lunar year (hawl) and exceeds the nisab threshold. Zakat is typically calculated at 2.5% of net zakatable wealth — that is, total zakatable assets minus immediate liabilities.

What counts as zakatable wealth?

  • Cash, savings, and current account balances
  • Gold and silver (at current market value)
  • Stocks, shares, and investment funds
  • Business inventory (goods held for sale)
  • Money owed to you that you expect to be repaid

Property you live in, personal possessions (furniture, clothing, vehicles for personal use), and pension funds that are not accessible are generally not zakatable, though scholarly opinion varies. Consult a scholar for your specific situation.

Understanding the Nisab

Nisab is the minimum threshold of wealth above which Zakat becomes obligatory. It is traditionally defined as the value of 85 grams of gold (gold nisab) or 595 grams of silver (silver nisab). Because precious metal prices fluctuate, the nisab in any currency changes regularly. The calculator uses the lower of the two nisab values (silver nisab) by default — the more conservative and commonly applied standard — but allows you to update the thresholds to match your local zakat authority's current figures.

Important note

This calculator provides estimates for planning purposes only. Zakat rulings can be complex and vary by scholarly tradition and jurisdiction. Always verify your obligation with your local zakat body (e.g., National Zakat Foundation in the UK, Zakat Foundation of America, or your local Islamic authority) or a qualified Islamic scholar before paying.