Skip to content
RoomCalcs

Zakat calculator

Add up your zakatable wealth — gold and silver, cash and bank savings, business stock and money owed to you — take off debts you owe, and this works out the nisab in your own currency and the 2.5% zakat due if your wealth has stayed above it for a full lunar year.

1Nisab (the threshold)

Most scholars recommend the silver nisab, because its lower threshold means more people give and more reaches those in need.

Today's price of one tola (11.6638 g) of silver, in your currency. The silver nisab is 52.5 tola.

2Your zakatable wealth

Money in hand, in bank accounts, and in savings committees — anything you can access.

The market value of all your gold — jewellery, coins and bars — at today's price.

The sale value of stock-in-trade and goods bought to resell. Not the shop, tools or fixtures you keep.

Loans you gave and payments due that you expect to get back.

The current value of investments held for growth or trade.

3Debts you owe

Money you owe that is due — unpaid bills, this period's instalments, borrowings. Subtracted from your wealth.

Your results

Your results appear here

Type your measurements in the empty boxes. Still needed:

  • Silver price per tola
  • Free
  • No sign-up
  • PDF & CSV

How to calculate your zakat

  1. 1Choose whether to work out the nisab from silver (recommended) or gold.
  2. 2Enter today's price of one tola of that metal in your currency.
  3. 3Add your cash and bank savings, the value of your gold and silver, business stock, money owed to you and investments.
  4. 4Enter any debts and bills due now — they are subtracted from your wealth.
  5. 5Read the nisab, your net zakatable wealth, and the 2.5% zakat due if you are at or above the nisab.

How zakat is calculated (nisab and 2.5%)

  1. 01Nisab = 7.5 tola of gold, or 52.5 tola of silver (1 tola = 11.6638 g)
  2. 02Nisab value = tola of nisab × today's price per tola
  3. 03Net wealth = cash + gold + silver + business stock + money owed to you + investments − debts due
  4. 04Zakat = 2.5% of net wealth, if net wealth ≥ nisab and held for one lunar year
  5. 05If net wealth is below the nisab, no zakat is due

Zakat is one of the five pillars of Islam: a yearly due of 2.5% on the wealth a Muslim has held, above a minimum called the nisab, for one full lunar year. It is paid on wealth that grows or can be spent — gold, silver, cash, savings, business stock and money owed to you — not on things you use, like your home, car or everyday furniture.

The nisab is a fixed weight of precious metal: 87.48 g (7.5 tola) of gold, or 612.36 g (52.5 tola) of silver. To turn it into money in your currency, multiply the weight by today's price per tola. Most scholars recommend using the silver nisab, because its lower value means more people reach it and more zakat reaches those in need — especially when your wealth is mostly cash.

Add up everything zakatable, subtract debts that are due now, and if the result is at or above the nisab, zakat is 2.5% of it (one-fortieth). If it is below the nisab, no zakat is due. The lunar year matters: you owe zakat on wealth you have held for about 354 days above the nisab, so many people fix one date a year — often in Ramadan — and pay on whatever they hold that day.

Zakat calculation example

With silver at 4,200 a tola, the nisab is 220,500.

On 1,000,000 of cash and savings, your net zakatable wealth is 1,000,000, so the zakat due is 25,000 — one-fortieth, or 2.5%.

Good to know

  • Use the silver nisab if your wealth is mostly cash — it is the lower threshold, so it is the more cautious and generous choice.
  • Pick a fixed date each year (many choose a date in Ramadan) and pay zakat on whatever you hold that day; it keeps the lunar-year rule simple.
  • Count gold and silver at today's selling price, not what you paid for it.
  • Only subtract debts that are actually due now — not the whole of a long-term loan you are repaying over years.
  • Business stock is counted at its sale value; the shop, shelving and tools you keep are not zakatable.

Zakat calculator — common questions

How much zakat do I have to pay?

Zakat is 2.5% (one-fortieth) of your net zakatable wealth — cash, gold, silver, savings, business stock and money owed to you, minus debts due — provided that wealth has stayed at or above the nisab for one full lunar year.

What is the nisab?

The nisab is the minimum wealth on which zakat becomes due: 87.48 g (7.5 tola) of gold, or 612.36 g (52.5 tola) of silver. In money, it is that weight times today's price per tola. If your wealth is below the nisab, no zakat is due.

Should I use the gold or silver nisab?

Both are valid. Most scholars and zakat charities recommend the silver nisab because it is the lower threshold, so more people are liable and more reaches the needy — especially if your wealth is mainly cash. The gold nisab gives a higher threshold.

Do I pay zakat on the gold jewellery I wear?

Scholars differ. Many hold that all gold and silver above the nisab is zakatable, including worn jewellery; others exempt jewellery in regular personal use. This calculator counts the gold you enter; follow the view you take guidance on from a scholar.

Is zakat due on money I lent to someone?

Yes, if you expect it back. Money owed to you that is likely to be repaid is part of your zakatable wealth. A debt you have little hope of recovering is usually counted only when it is actually repaid.

Do I subtract my home loan or long-term debt?

Only the amount due now — for example this period's instalment or bills you must pay — is subtracted. You do not deduct the entire outstanding balance of a long-term loan from your zakatable wealth.

When is zakat due?

When your wealth has stayed at or above the nisab for one full lunar (Hijri) year, about 354 days. Many people choose a fixed date each year, often in Ramadan, and pay on the wealth they hold that day.

Sources

Formulas last reviewed: September 30, 2026 ·How we check our formulas

Related tools