This zakat calculator works out your annual zakat — the obligatory 2.5% charitable giving on qualifying wealth — from your cash, gold, silver, investments and debts, checked against the nisab threshold.

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Zakat = 2.5% of Net Zakatable Wealth, if Above Nisab

The classical framework: gather liquid and investment wealth (cash, precious metals, trade goods, investments, recoverable loans), subtract debts due, and if the remainder meets the nisab — classically the value of 85 g of gold (or 595 g of silver) — and has been held a lunar year, 2.5% is due to eligible recipients. Your home, car and personal effects are not zakatable. Part of our Everyday Life Calculators collection.

Worked Example (Verified)

  • Cash 15,000 + investments 10,000 − debts 2,000 = 23,000 net (defaults), nisab at gold 130/g = 85 × 130 = 11,050 → above nisab → zakat = 575
  • Gold holdings example: 100 g of gold jewelry/coins at 130/g adds 13,000 to the base — many schools count gold above personal-use allowances, some count all gold held; the input exists so you can apply your school’s view
  • Retirement accounts divide scholars (some zakat the accessible portion yearly, others on withdrawal) — a calculator gives arithmetic; your tradition’s scholarship gives the ruling
  • The rate on agricultural produce (5%/10%) and livestock follows different classical schedules — this tool covers monetary wealth, the most common case

Getting the Inputs Right

  • Prices move: refresh the gold price (per gram, your currency) on your zakat date — nisab moves with it.
  • Business owners: inventory at current sale value counts; equipment and premises don’t.
  • Many pay in Ramadan for multiplied reward, but the obligation keys to your own hawl (anniversary of reaching nisab), not the calendar month.
  • Recipients are defined categories (the poor, the indebted, and others in Qur’an 9:60) — most give via trusted local funds or charities.

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Frequently Asked Questions

How is zakat calculated?

Total your zakatable wealth (cash, gold, silver, investments, trade inventory, loans likely repaid), subtract debts due now, and if the net is at or above the nisab, pay 2.5%. The worked example: 23,000 net → 575 zakat. Wealth must also have been held for a full lunar year (hawl).

What is the nisab?

The minimum wealth that triggers zakat: the value of 85 grams of gold (20 mithqal) classically, or 595 grams of silver. At a gold price of 130 per gram the gold nisab is 11,050 in that currency. Because silver is far cheaper per gram, the silver nisab is much lower — scholars differ on which standard governs cash, and the calculator lets you price either metal.

Is zakat due on my house, car or salary?

Your home, car, furniture and personal items are not zakatable. Salary is not taxed as income — but savings from salary that remain above nisab at your zakat date are, because zakat is on held wealth, not earnings. Rental property: the building isn’t zakatable, its accumulated rent income is.

Do I pay zakat on gold jewelry?

Schools differ: the Hanafi school generally includes gold jewelry; others exempt jewelry in personal use within custom. The calculator includes a gold-value field so you can apply your school’s position — enter 0 if you follow the exemption view, or the value if you don’t.

When is zakat due?

Once your wealth has remained at or above nisab for one full lunar year (354 days) — that anniversary becomes your annual zakat date. Many choose Ramadan for its rewards, aligning their hawl to it deliberately. If wealth dips below nisab mid-year, most schools restart the count.

Is this zakat calculator free?

Yes — free, instant, no sign-up. It performs the standard arithmetic; for rulings on complex assets, consult qualified scholarship in your tradition.