Annual Zakat on cash, gold, silver & savings (2.5%)
Calculators
Zakat Calculator
Annual Zakat on cash, gold, silver & savings (2.5%)
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Nisab (): Your net wealth:
Nisab standard
Cash & savings
Gold & silver
Tip: Use the carat-pure weight (e.g. for 22K jewellery, multiply weight × 22/24). Schools differ on jewellery worn for personal use — Hanafis include all; Maliki/Shafi'i/Hanbali generally exempt personal-wear items.
Investments & business
Immediate debts
Don't deduct long-term debts (e.g. a 30-year mortgage). Most contemporary scholars only allow deducting the current month's instalment and other immediate obligations.
About this tool
Zakat is the third pillar of Islam — an annual obligatory charity of 2.5% on qualifying wealth that has been in your possession for one full lunar year. This calculator handles cash, gold and silver (with both nisab standards), business stock, investments, money owed to you, and immediate debts. Everything updates live as you type; results stay in your browser, and the Share button copies a URL so you can revisit or send the calculation.
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Formula
Net Zakatable wealth = Total assets − Immediate debts
Silver nisab = 612.36 g × silver price per gram
Gold nisab = 87.48 g × gold price per gram
Zakat (if net ≥ nisab) = Net Zakatable wealth × 2.5% (1/40)
How to use
1Pick the silver nisab (recommended — more inclusive) or the gold nisab.
2Enter your cash on hand, bank balances and mobile-wallet funds.
3Enter gold and silver by weight in grams. Adjust the per-gram price if needed.
4Add investments, business stock and money owed to you.
5Deduct only immediate debts — not long-term mortgages or multi-year loans.
6If your net wealth is ≥ nisab, the calculator shows the Zakat due (2.5%).
Examples
$10,000 cash + 50g gold (≈$4,250) − $1,000 debts
Net $13,250 · above silver nisab · Zakat ≈ $331.25
$500 cash + 10g gold + $200 debts (silver nisab)
Below nisab · No Zakat due this year
$25,000 savings + $5,000 shares − $2,000 bills
Net $28,000 · Zakat ≈ $700
Frequently asked questions
2.5% (one-fortieth, or 1/40) of your net Zakatable wealth, calculated once per lunar year (Hawl).
Most contemporary scholars and major Zakat institutions recommend the silver nisab because it is lower in modern terms and benefits more of the poor. Some scholars permit using the gold nisab for cash. This calculator shows both — pick the one your scholar or community follows.
Schools differ. The Hanafi school requires Zakat on all gold and silver, including jewellery worn personally. The Maliki, Shafi'i and Hanbali schools generally exempt jewellery worn for personal use. Follow your madhhab or local scholar.
No — your primary residence, personal vehicle, clothing and household items are not Zakatable. Zakat applies to wealth held as a store of value, not to items you use personally.
Most contemporary scholars say no — only short-term debts and the current month's instalment are deductible. Deducting the full mortgage would mean almost no homeowner ever pays Zakat. Follow your scholar.
Generally Zakatable on the portion you can withdraw (after taxes / penalties) if you treat it as accessible wealth. Some scholars allow deferring Zakat on locked retirement funds until withdrawal. Ask your scholar.
Crypto held for investment or trading is treated like cash — Zakatable at 2.5% of market value on your Zakat date.
At its current market sale value on your Zakat date — not the cost you paid. Raw materials, finished goods and work-in-progress all count. Business fixed assets (machinery, buildings) are not Zakatable.
It is the lunar-year anniversary of the day your wealth first reached nisab. Many Muslims align it with Ramadan to multiply the reward — both choices are valid.
Inputs live only in your browser — nothing is uploaded. The Share button copies a URL containing your numbers; only share it with people you trust to see those figures.
Educational tool, not a religious ruling. Gold and silver prices are indicative spot rates (updated daily) and not a substitute for a jeweller's appraisal. Schools of fiqh differ on items like jewellery, retirement funds, and long-term debts — when in doubt, ask a qualified scholar (mufti) or your local imam before paying.
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