Zakat Calculator
Zakat is 2.5% of your zakatable wealth, owed once your net assets exceed the nisab threshold for one lunar year. Today's nisab, using the silver standard, is $1,134.16 USD. Enter your cash, gold, silver, investments, business assets, and debts below to see whether you owe Zakat and how much.
All figures are in US dollars — convert your local currency before entering amounts.
Today's Nisab, Explained
Most scholars recommend using the lower (silver) threshold by default, since it brings more wealth into zakat eligibility — more generous to those who receive it. If your zakatable wealth is entirely gold, some scholars prefer the gold threshold instead.
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Calculate Your Zakat
Your result
Remember: Zakat is only obligatory once this level of wealth has been held for one full lunar (Hijri) year (a Hawl) — this calculator shows a snapshot, not a Hawl tracker.
What counts as zakatable wealth?
- Cash and bank balances: All cash on hand, in current and savings accounts, in any currency you hold.
- Gold and silver: Jewellery, coins, and bullion — most contemporary scholars include gold and silver jewellery in Zakat, though some classical Hanafi opinions exempt jewellery in regular personal use. If in doubt, ask a local scholar.
- Investments: Stocks, shares, and investment funds, generally valued at current market price (with some scholarly nuance on shares in non-liquid business assets).
- Business assets: Stock-in-trade and inventory held for resale, valued at current market price — not fixed assets like equipment or premises.
- Debts owed to you: Money you are confident you will recover is usually included; money unlikely to be repaid generally is not.
What is generally not zakatable
Your primary residence, personal-use vehicles, everyday household items, and business fixed assets (equipment, premises) are generally excluded from Zakat calculations.
What is the Zakat nisab and how is it calculated?
Nisab is the minimum threshold of wealth a Muslim must hold before Zakat becomes obligatory. It is defined as the value of 87.48 grams of gold or 612.36 grams of silver — fixed weights established in the earliest Islamic sources — converted to today's market price. This tool fetches a live gold and silver spot price, computes both thresholds in US dollars, and refreshes them automatically, so the figure is always current.
Which nisab standard does this calculator use — gold or silver?
By default, this calculator uses the silver nisab, which is almost always the lower of the two figures and therefore brings more wealth into Zakat eligibility — the position most scholars recommend as more generous to those who receive Zakat. You can switch to the gold standard using the toggle if you prefer to follow that view, or if your zakatable wealth is entirely gold.
How is the 2.5% Zakat rate applied?
Once your net zakatable wealth (assets minus debts due) meets or exceeds the nisab threshold, and you have held that level of wealth for one full lunar year (a Hawl), Zakat is calculated as 2.5% of the net amount — not just the amount above nisab. This calculator shows a point-in-time snapshot; it does not track your Hawl for you.