Zakat Calculator 2026 for Gold, Silver, Cash & Savings

For a Hijri lunar year, the standard Zakat rate is 2.5% of net zakatable wealth once the wealth you count has met or exceeded the nisab threshold for the required zakat year. This calculator totals the assets you enter, subtracts eligible immediate liabilities, compares the result with your selected gold or silver nisab, and then estimates the amount due.

Formula used: Net zakatable wealth = zakatable assets − eligible immediate liabilities. If the selected nisab is met, Zakat is calculated at 2.5% (Hijri) or 2.577% (Gregorian option).

This Zakat Calculator helps you estimate zakat on common forms of wealth, including cash, savings, gold, silver, investments, business assets, and property held for resale. It supports India (INR), Pakistan (PKR), the UK (GBP), Canada (CAD), and the USA (USD), with country-based currency settings, local-friendly weight units, and reference spot-rate pricing.

1. Select your country. This sets the currency and default weight unit.
2. Choose your nisab basis. Select silver or gold.
3. Choose your zakat-year basis. Use Hijri (2.5%) or the Gregorian option (2.577%).
4. Choose whether to include personal jewellery. This reflects a recognised fiqh difference of opinion.
5. Enter your assets. Add cash, bank balances, gold, silver, investments, business assets, receivables and other supported wealth.
6. Enter immediate liabilities due now. The calculator subtracts these before comparing your net wealth with nisab.

This tool is part of the Islamic Calculators category on CalcTypes.com. If you also need to estimate Fitrana, use our Zakat al-Fitr calculator.

Nisab is the minimum amount of wealth above which zakat becomes obligatory, subject to the zakat conditions you follow. The Nisab section also works as a practical nisab calculator, showing both the gold and silver thresholds in your selected currency:

• Silver Nisab: based on 612.36 grams of pure silver
• Gold Nisab: based on 87.48 grams of pure gold

The default setting uses silver nisab because it creates a lower threshold and is often treated as a cautious or more inclusive approach. Other respected scholarly approaches use the gold nisab in some circumstances. For transparency, this nisab calculator displays both values and clearly identifies which basis is active in your result.

Pakistan weight reference: the calculator supports tola input as well as grams. India, UK, Canada and USA: you can switch between grams, tola and troy ounces where useful.

Zakat is generally calculated on qualifying wealth owned and held according to the zakat conditions you follow. For zakat on cash and savings, the calculator combines cash in hand, bank balances, savings and other supported cash-equivalent holdings with the other zakatable assets you enter. Common categories include:

• Cash & savings: cash in hand, bank balances, savings and cash equivalents.
• Gold & silver: jewellery, bars, coins and investment metals, valued by weight and purity.
• Investments: stocks, shares, crypto, mutual funds and ETFs — enter the zakatable value you follow.
• Receivables: money owed to you that you reasonably expect to recover.
• Business assets: business cash and inventory or stock held for sale.
• Retirement / pension: enter only the accessible or otherwise zakatable portion you follow.
• Resale property: property acquired with the intention of resale or trade.

Gold jewellery is one of the most common reasons people use a zakat calculator. The gold section works as a practical gold zakat calculator for estimating zakat on gold held as jewellery, bars, coins or savings gold. It accepts common karats including 24K, 22K, 21K, 20K, 18K and 14K, plus a custom purity option, and converts the entered weight into its pure-gold equivalent before applying the reference gold price.

For example, 22K gold is approximately 91.67% pure and 18K gold is 75% pure. You can enter the weight in grams, tola or troy ounces using the unit selector. The personal-jewellery toggle lets you include or exclude jewellery in regular personal use according to the scholarly view you follow.

This calculator is designed to deduct immediate liabilities due now, such as bills, taxes due, wages payable and short-term payable balances. It is not designed to deduct the full outstanding balance of long-term debts such as mortgages, car finance or student loans.

If you have complex long-term debt questions, treat the result as an estimate and consult a qualified scholar for personal guidance.

The classical zakat rate is 2.5% when calculated on the Hijri lunar year. If you calculate using a Gregorian solar-year cycle, an adjusted rate of approximately 2.577% is used by some scholars to account for the longer year.

This calculator lets you switch between both approaches and clearly shows the active rate. For questions about inheritance share distribution, visit our Islamic inheritance (faraid) calculator.

This calculator uses daily reference spot rates for gold and silver and daily reference foreign-exchange data for currency conversion. The calculator fetches provider data through the CalcTypes WordPress backend, caches successful results, and can temporarily use the last-known-good provider result if a refresh fails. These benchmark rates may differ from local jeweller, retail or city-specific prices shown elsewhere.

For consistency and transparency, the calculator shows separate gold, silver and FX reference timestamps. If the latest refresh fails, the page labels last-known-good data as stale. If no usable provider data is available, metal-derived Nisab and the final Zakat verdict are paused rather than calculated from made-up placeholder prices. If your scholar or local institution asks you to use a specific local market rate, compare the reference value with that rate before making your final payment decision.