Zakat Calculator
Estimate zakat on cash, gold, silver, investments, business assets & more using reference spot rates and clear fiqh-sensitive options.
This Zakat calculation tool is part of our Islamic calculators hub. For other obligations, you may also find our Zakat al-Fitr calculator or the Islamic inheritance calculator useful.
Zakat Inputs
Gold Jewellery
Custom purity gold (optional)
Other Gold / Investment Gold (bars, coins, savings gold)
Custom purity gold (optional)
Silver
Silver jewellery custom purity (optional)
Other silver custom purity (optional)
Cash & Balances
Money Owed to You (Receivables)
Investments (Stocks, Crypto, Mutual Funds)
Retirement / Pension
Business Assets
Property Held for Resale
Liabilities (Deductions)
Results
Assumptions & Warnings
📊 Assets Breakdown
📈 Net Assets vs Active Nisab
📋 View detailed breakdown
| Category | Amount |
|---|---|
| Gold total | — |
| Silver total | — |
| Cash & balances | — |
| Receivables | — |
| Investments | — |
| Retirement / pension | — |
| Business assets | — |
| Resale property | — |
| Total assets | — |
| Total liabilities | — |
| Net assets | — |
How to Use This Zakat Calculator
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, Pakistan, the UK, Canada, and the USA with country-based currency settings and reference spot rate pricing architecture.
- Step 1: Select your country (sets currency + default weight unit).
- Step 2: Choose your nisab basis (silver or gold).
- Step 3: Choose your zakat year basis: Hijri (2.5%) or Gregorian (2.577%).
- Step 4: Choose whether to include personal jewellery (fiqh difference of opinion).
- Step 5: Enter assets and immediate liabilities due now.
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.
Understanding the Nisab Threshold
Nisab is the minimum amount of wealth above which zakat becomes obligatory (after deducting eligible liabilities). This calculator shows both:
- 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 produces a lower threshold and is often treated as a more cautious approach. Respected scholars also use the gold nisab in some contemporary contexts. For transparency, this calculator displays both values and clearly indicates which nisab basis is active in your result.
What Assets Are Subject to Zakat?
Zakat is generally calculated on qualifying wealth owned and held above nisab for one zakat year (hawl). Common examples include:
- Cash & savings: cash in hand, bank balances, cash-equivalents.
- Gold & silver: valued by weight and purity (karat / purity).
- Investments: stocks, crypto, mutual funds (enter zakatable value if known).
- Business assets: inventory held for sale and business cash.
- Resale property: only if acquired with the intention of resale or trade.
Note: This calculator is designed for Zakat al-Mal (monetary wealth, investments, and trade goods). It does not calculate Zakat on agricultural harvest (Ushr) or grazing livestock (An’am), as those categories have entirely different nisab thresholds, rates, and calculation timelines.
Deducting Immediate Liabilities
This calculator is designed to deduct immediate liabilities due now (for example, 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.
Hijri vs Gregorian Zakat Calculation (2.5% vs 2.577%)
The classical zakat rate is 2.5%, based on the Hijri lunar year. If you calculate based on the Gregorian solar year, many scholars use an adjusted rate of approximately 2.577% 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 faraid calculator.
About the Gold and Silver Rates Used
This calculator uses reference spot rates for gold and silver. These are benchmark market rates used for calculation and may differ from local jeweller, retail, or city-specific prices shown in Google search results.
If you wish to calculate based on a local jeweller’s quoted rate, you may compare your result manually. For consistency and transparency, this calculator uses benchmark reference rates and shows the update time clearly.
Frequently Asked Questions
The FAQs below are provided for general guidance. For complex cases, consult a qualified Islamic scholar.
Q1: What is the nisab in zakat?
Nisab is the minimum amount of wealth above which zakat becomes obligatory. This calculator shows both the silver nisab and the gold nisab. The silver nisab is based on 612.36 grams of pure silver, while the gold nisab is based on 87.48 grams of pure gold.
Q2: Which nisab should I use: silver or gold?
Many scholars and zakat institutions use the silver nisab because it creates a lower threshold and is treated as the more cautious approach. Others prefer the gold nisab in some modern circumstances. This calculator shows both and lets you choose the one you follow.
Q3: How much zakat do I pay?
The standard zakat rate is 2.5% of your net zakatable wealth when using the Hijri lunar year. If you calculate on the Gregorian solar year, many scholars use approximately 2.577% to account for the longer year.
Q4: Do I pay zakat on personal jewellery?
Scholars differ on this issue. The Hanafi school generally includes personal gold and silver jewellery in zakat, while other Sunni schools often exempt lawful jewellery in regular personal use. This calculator includes a toggle so you can choose the view you follow.
Q5: Do I pay zakat on cash and bank savings?
Yes. Cash in hand, bank balances, savings, and similar cash-equivalent holdings are commonly included in zakatable wealth, provided your net wealth remains at or above nisab for a full zakat year.
Q6: Can I deduct my mortgage or student loan?
This calculator is designed for immediate liabilities due now, such as bills, taxes, wages payable, and short-term amounts currently outstanding. It does not deduct the full balance of long-term debts such as mortgages, student loans, or car finance.
Q7: Do I pay zakat on pensions or retirement accounts?
This depends on access and the type of scheme. In this calculator, you should enter only the amount that is currently accessible or the amount you consider zakatable after taxes or penalties, if applicable. If your pension is complex, consult a qualified scholar.
Q8: Is my home or car included in zakat?
No. Your personal home, personal vehicle, clothes, household furniture, and similar personal-use items are generally not zakatable. Property is usually only entered if it was acquired for resale or trading.
Q9: Does this zakat calculator work for India, Pakistan, UK, USA, and Canada?
Yes. The calculator supports India, Pakistan, the UK, the USA, and Canada, with country-based currency settings and default weight units suited to each region.
Q10: Is this zakat calculator a fatwa?
No. This tool provides an estimate based on the figures and options you enter. It is designed as a practical calculator, not a religious ruling. For complex or uncertain cases, please consult a qualified Islamic scholar or your local Islamic authority.
Sources & Further Reading
Reference spot rates by GoldAPI.io Exchange rates by ExchangeRate-API.com Islamic Relief – Nisab Explanation National Zakat Foundation – Zakat Knowledge Base Zakat Foundation of America – Learn About Zakat AMJA – Assembly of Muslim Jurists of AmericaExplore other Islamic financial obligations with our Fitrana estimation tool, or calculate inheritance distribution according to faraid. All tools are available in our Islamic calculators directory.